ACA plans available
28
Plan year 2026
CMS Marketplace county · plan year 2026
Towner, 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
- $594
- Silver avg/mo
- 28
- ACA plans
- 3
- Issuers
- +14.9%
- YoY premium
Silver avg $594/mo
Towner, North Dakota has 28 ACA marketplace plans from 3 issuers (plan year 2026). Average Silver premium is $594/mo; Bronze averages $414/mo and Gold $593/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1396 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $515/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Towner, North Dakota ranks #1,396 of 2,055 counties by listed Silver average ($594/mo) and #1,745 of 2,055 by plan count (28 plans).
- #1,396 of 2,055
- Silver average among 2,055 counties
- $594
- Listed Silver average /mo
- #1,745 of 2,055
- Plan count among 2,055 counties
- 28
- 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.
Towner, North Dakota offers 28 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $356/mo and Silver plans start at $495/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$594
Avg Silver Premium/mo
$515
Benchmark Premium/mo
+14.9%
Year-over-Year Change
$5,126
Avg Deductible
Lower-premium band
Towner in the lower-premium third
$594/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1396 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $495–$709/mo. Plan book is thin (28 plans) relative to other tracked counties. PPO is the most common network type in Towner, 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
9 plans$414/mo avg
$356 - $502
Silver
9 plans$594/mo avg
$495 - $709
Gold
8 plans$593/mo avg
$449 - $725
Catastrophic plan available: avg $324/mo (2 plans) - only for individuals under 30 or with a hardship exemption.
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Towner is $515/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
$515 /mo
Sets your subsidy ceiling
Avg deductible
$5,126
Across all metal tiers
D
Marketplace Access Score
42/100
Towner
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 B-
$515/mo
Benchmark Silver premium; rank #1396 of 2055 tracked counties (cheapest first)
Plan Choice F
28 plans
ACA marketplace plan count; rank #1745 of 2055 tracked counties (most first)
Issuer Competition F
3 issuers
Distinct marketplace issuers; rank #1572 of 2055 tracked counties (most first)
Cost Predictability D
$5,126
Average deductible across tracked plans; rank #839 of 2055 tracked counties (lowest first)
Towner ACA plans by premium and deductible
Each marker is the Towner 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.
Towner ACA marketplace plans: premium vs deductible
How Towner's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Towner vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$594 1396th of 2055 higher than 658 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 Towner
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross Blue Shield of North Dakota | 10 | $458/mo |
| Medica | 9 | $631/mo |
| Sanford Health Plan | 9 | $467/mo |
All Plans in Towner
| 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 | $341.84 | $416.87 | $10,600 | $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 |
| 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 |
| 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 Standardized $7,500 Sanford Health Plan | Expanded Bronze | PPO | $382.43 | $466.36 | $7,500 | $10,000 |
| Sanford Individual Simplicity $6,500 Sanford Health Plan | Expanded Bronze | PPO | $388.80 | $474.12 | $6,500 | $9,750 |
| Sanford Individual Simplicity $7,200 HSA Qualified Sanford Health Plan | Expanded Bronze | PPO | $400.45 | $488.33 | $7,200 | $7,200 |
| Medica Individual Choice Bronze Share Medica | Expanded Bronze | HMO | $452.36 | $551.64 | $8,000 | $10,600 |
| Medica Individual Choice Bronze $0 Copay PCP Visits Medica | Expanded Bronze | HMO | $493.64 | $601.98 | $7,500 | $10,600 |
| Medica Individual Choice Expanded Bronze Standard Medica | Expanded Bronze | HMO | $502.42 | $612.69 | $7,500 | $10,000 |
| 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 $3,500 Sanford Health Plan | Silver | PPO | $515.20 | $628.26 | $3,500 | $9,750 |
| Sanford Individual Simplicity Standardized $6,000 Sanford Health Plan | Silver | PPO | $524.24 | $639.29 | $6,000 | $8,900 |
| Sanford Individual Simplicity $4,750 Sanford Health Plan | Silver | PPO | $542.10 | $661.07 | $4,750 | $9,750 |
| 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 $0 Copay PCP Visits Medica | Silver | HMO | $686.65 | $837.35 | $3,500 | $10,450 |
| Medica Individual Choice Silver Share Medica | Silver | HMO | $705.58 | $860.42 | $3,525 | $8,850 |
| Medica Individual Choice Silver Standard Medica | Silver | HMO | $709.36 | $865.04 | $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 |
| 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 |
| BlueValue Gold $30 PCP Copay (Standardized plan) Blue Cross Blue Shield of North Dakota | Gold | PPO | $540.58 | $659.22 | $2,000 | $8,200 |
| Sanford Individual Simplicity Standardized $2,000 Sanford Health Plan | Gold | PPO | $544.02 | $663.41 | $2,000 | $8,200 |
| Sanford Individual Simplicity $1,750 Sanford Health Plan | Gold | PPO | $563.99 | $687.76 | $1,750 | $9,000 |
| Medica Individual Choice Gold $0 Copay PCP Visits Medica | Gold | HMO | $692.86 | $844.92 | $1,500 | $8,800 |
| Medica Individual Choice Gold Share Medica | Gold | HMO | $707.93 | $863.30 | $2,500 | $5,900 |
| Medica Individual Choice Gold Standard Medica | Gold | HMO | $724.86 | $883.94 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $446/mo | $426 | $485 | 6 | 3 |
| 2023 | $446/mo | $377 | $523 | 9 | 3 |
| 2024 | $460/mo | $391 | $541 | 10 | 3 |
| 2025 | $524/mo | $454 | $585 | 9 | 3 |
| 2026 | $594/mo | $495 | $709 | 9 | 3 |
What this means for Towner
Use Towner's own numbers here, not a national average, before you enroll.
- $594/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
- 28 plans from 3 issuers puts Towner 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 Towner's Silver premium in the lower band?
Towner ranks #1396 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $594/mo. See /methodology#corpus-placement.
Why does Towner carry a thin ACA plan book?
Towner lists 28 marketplace plans from 3 issuers - a bottom-third inventory vs other tracked counties (plan year 2026).
What is the cheapest health insurance plan in Towner?
The lowest-premium plan in Towner starts at $356/mo (Bronze tier, age 27). Silver plans start at $495/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Towner?
The benchmark (second-lowest Silver) premium in Towner is $515/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Towner premiums rise +14.9% year-over-year?
The average age-27 premium in Towner changed by +14.9% 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 Towner?
The average annual deductible across all plans in Towner is $5,126, and the average out-of-pocket maximum is $8,950. 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 Towner?
There are 3 insurance issuers offering ACA marketplace plans in Towner, including Blue Cross Blue Shield of North Dakota, Medica, 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 Towner, ND's $515/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 Towner, 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 ($515/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.