ACA plans available
31
Plan year 2026
CMS Marketplace county · plan year 2026
Grand Forks, North Dakota ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $543
- Silver avg/mo
- 31
- ACA plans
- 3
- Issuers
- +13.9%
- YoY premium
Silver avg $543/mo
Grand Forks, North Dakota has 31 ACA marketplace plans from 3 issuers (plan year 2026). Average Silver premium is $543/mo; Bronze averages $379/mo and Gold $541/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1694 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $495/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Grand Forks, North Dakota ranks #1,694 of 2,055 counties by listed Silver average ($543/mo) and #1,508 of 2,055 by plan count (31 plans).
- #1,694 of 2,055
- Silver average among 2,055 counties
- $543
- Listed Silver average /mo
- #1,508 of 2,055
- Plan count among 2,055 counties
- 31
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Grand Forks, North Dakota offers 31 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $343/mo and Silver plans start at $488/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$543
Avg Silver Premium/mo
$495
Benchmark Premium/mo
+13.9%
Year-over-Year Change
$5,130
Avg Deductible
Lower-premium band
Grand Forks in the lower-premium third
$543/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1694 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $488–$681/mo. Plan book is thin (31 plans) relative to other tracked counties. PPO is the most common network type in Grand Forks, with HMO rounding out the alternatives.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
10 plans$379/mo avg
$343 - $482
Silver
10 plans$543/mo avg
$488 - $681
Gold
9 plans$541/mo avg
$449 - $696
Catastrophic plan available: avg $315/mo (2 plans) - only for individuals under 30 or with a hardship exemption.
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Grand Forks is $495/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference.
Issuers in market
3
Some competition
Benchmark Silver
$495 /mo
Sets your subsidy ceiling
Avg deductible
$5,130
Across all metal tiers
C-
Marketplace Access Score
52/100
Grand Forks
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability A-
$495/mo
Benchmark Silver premium; rank #1694 of 2055 tracked counties (cheapest first)
Plan Choice F
31 plans
ACA marketplace plan count; rank #1508 of 2055 tracked counties (most first)
Issuer Competition D
3 issuers
Distinct marketplace issuers; rank #1186 of 2055 tracked counties (most first)
Cost Predictability F
$5,130
Average deductible across tracked plans; rank #803 of 2055 tracked counties (lowest first)
Grand Forks ACA plans by premium and deductible
Each marker is the Grand Forks average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Grand Forks ACA marketplace plans: premium vs deductible
How Grand Forks's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Grand Forks vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$543 1694th of 2055 higher than 361 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Issuers in Grand Forks
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Medica | 12 | $514/mo |
| Blue Cross Blue Shield of North Dakota | 10 | $458/mo |
| Sanford Health Plan | 9 | $442/mo |
All Plans in Grand Forks
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| BlueEssential Catastrophic 100 HSA Eligible $10600 Deductible Blue Cross Blue Shield of North Dakota | Catastrophic | PPO | $306.54 | $373.82 | $10,600 | $10,600 |
| Sanford Individual Simplicity $10,600 Sanford Health Plan | Catastrophic | PPO | $323.51 | $394.52 | $10,600 | $10,600 |
| Altru Prime by Medica Bronze Share Medica | Expanded Bronze | HMO | $343.39 | $418.75 | $8,000 | $10,600 |
| BlueCare Bronze HSA Eligible $50 PCP Copay ($5 Value Based Drug List) Blue Cross Blue Shield of North Dakota | Expanded Bronze | PPO | $355.90 | $434.01 | $6,000 | $10,150 |
| Sanford Individual Simplicity Standardized $7,500 Sanford Health Plan | Expanded Bronze | PPO | $361.92 | $441.35 | $7,500 | $10,000 |
| Sanford Individual Simplicity $6,500 Sanford Health Plan | Expanded Bronze | PPO | $367.95 | $448.70 | $6,500 | $9,750 |
| BlueValue Bronze HSA Eligible $50 PCP Copay (Standardized plan) Blue Cross Blue Shield of North Dakota | Expanded Bronze | PPO | $368.81 | $449.75 | $7,500 | $10,000 |
| Altru Prime by Medica Bronze $0 Copay PCP Visits Medica | Expanded Bronze | HMO | $374.72 | $456.96 | $7,500 | $10,600 |
| BlueDirect Bronze 100 HSA Eligible ($8000 Deductible / $5 Preventive Drug List) Blue Cross Blue Shield of North Dakota | Expanded Bronze | PPO | $377.76 | $460.67 | $8,000 | $8,000 |
| Sanford Individual Simplicity $7,200 HSA Qualified Sanford Health Plan | Expanded Bronze | PPO | $378.97 | $462.14 | $7,200 | $7,200 |
| Altru Prime by Medica Expanded Bronze Standard Medica | Expanded Bronze | HMO | $381.38 | $465.09 | $7,500 | $10,000 |
| Medica Individual Choice Expanded Bronze Standard Medica | Expanded Bronze | HMO | $482.42 | $588.29 | $7,500 | $10,000 |
| Sanford Individual Simplicity $3,500 Sanford Health Plan | Silver | PPO | $487.57 | $594.57 | $3,500 | $9,750 |
| DakotaBlue Altru Silver ($5 Value Based Drug List) Blue Cross Blue Shield of North Dakota | Silver | PPO | $495.17 | $603.84 | $3,500 | $9,500 |
| Sanford Individual Simplicity Standardized $6,000 Sanford Health Plan | Silver | PPO | $496.13 | $605.01 | $6,000 | $8,900 |
| Sanford Individual Simplicity $4,750 Sanford Health Plan | Silver | PPO | $513.03 | $625.62 | $4,750 | $9,750 |
| Altru Prime by Medica Silver $0 Copay PCP Visits Medica | Silver | HMO | $521.23 | $635.63 | $3,500 | $10,450 |
| Altru Prime by Medica Silver Share Medica | Silver | HMO | $535.60 | $653.14 | $3,525 | $8,850 |
| Altru Prime by Medica Silver Standard Medica | Silver | HMO | $538.47 | $656.65 | $6,000 | $8,900 |
| BlueValue Silver $40 PCP Copay (Standardized plan) Blue Cross Blue Shield of North Dakota | Silver | PPO | $563.97 | $687.74 | $6,000 | $8,900 |
| BlueDirect Silver 80 HSA Eligible ($3500 Deductible / $5 Preventive Drug List) Blue Cross Blue Shield of North Dakota | Silver | PPO | $599.42 | $730.98 | $3,500 | $7,500 |
| Medica Individual Choice Silver Standard Medica | Silver | HMO | $681.12 | $830.60 | $6,000 | $8,900 |
| DakotaBlue Altru Gold ($5 Value Based Drug List) Blue Cross Blue Shield of North Dakota | Gold | PPO | $449.41 | $548.04 | $2,000 | $8,000 |
| Sanford Individual Simplicity Standardized $2,000 Sanford Health Plan | Gold | PPO | $514.85 | $627.83 | $2,000 | $8,200 |
| BlueDirect Gold 90 HSA Eligible ($2600 Deductible / $5 Preventive Drug List) Blue Cross Blue Shield of North Dakota | Gold | PPO | $518.33 | $632.09 | $2,600 | $4,300 |
| Altru Prime by Medica Gold $0 Copay PCP Visits Medica | Gold | HMO | $525.95 | $641.38 | $1,500 | $8,800 |
| Sanford Individual Simplicity $1,750 Sanford Health Plan | Gold | PPO | $533.74 | $650.88 | $1,750 | $9,000 |
| Altru Prime by Medica Gold Share Medica | Gold | HMO | $537.39 | $655.32 | $2,500 | $5,900 |
| BlueValue Gold $30 PCP Copay (Standardized plan) Blue Cross Blue Shield of North Dakota | Gold | PPO | $540.58 | $659.22 | $2,000 | $8,200 |
| Altru Prime by Medica Gold Standard Medica | Gold | HMO | $550.23 | $670.99 | $2,000 | $8,200 |
| Medica Individual Choice Gold Standard Medica | Gold | HMO | $696.00 | $848.75 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $432/mo | $368 | $466 | 7 | 3 |
| 2023 | $436/mo | $377 | $503 | 11 | 3 |
| 2024 | $447/mo | $391 | $519 | 12 | 3 |
| 2025 | $486/mo | $424 | $561 | 10 | 3 |
| 2026 | $543/mo | $488 | $681 | 10 | 3 |
What this means for Grand Forks
Use Grand Forks's own numbers here, not a national average, before you enroll.
- $543/mo Silver average sits in the bottom third of tracked counties nationally -- a subsidized Silver plan can already beat Bronze on total cost here. See how subsidies work
- 31 plans from 3 issuers puts Grand Forks in the thinnest third of tracked counties -- check the rest of North Dakota for more options. All of North Dakota
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Why is Grand Forks's Silver premium in the lower band?
Grand Forks ranks #1694 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $543/mo. See /methodology#corpus-placement.
Why does Grand Forks carry a thin ACA plan book?
Grand Forks lists 31 marketplace plans from 3 issuers - a bottom-third inventory vs other tracked counties (plan year 2026).
What is the cheapest health insurance plan in Grand Forks?
The lowest-premium plan in Grand Forks starts at $343/mo (Bronze tier, age 27). Silver plans start at $488/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Grand Forks?
The benchmark (second-lowest Silver) premium in Grand Forks is $495/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Grand Forks premiums rise +13.9% year-over-year?
The average age-27 premium in Grand Forks changed by +13.9% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
What is the average deductible and out-of-pocket maximum in Grand Forks?
The average annual deductible across all plans in Grand Forks is $5,130, and the average out-of-pocket maximum is $8,958. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Grand Forks?
There are 3 insurance issuers offering ACA marketplace plans in Grand Forks, including Medica, Blue Cross Blue Shield of North Dakota, Sanford Health Plan. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer
This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Grand Forks, ND's $495/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for Grand Forks, ND, both outside ND so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($495/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (3 here).
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.