ACA plans available
28
Plan year
2026 data Public-data reference. official source
Wells, North Dakota Health Insurance
Open-data reference.
28 ACA plans from 3 issuers — Plan year 2026
Wells, North Dakota offers 28 ACA marketplace plans from 3 issuers for plan year 2026. Silver plans start at $515/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$603
Avg Silver Premium/mo
$524
Benchmark Premium/mo
+26.1%
Year-over-Year Change
$5,126
Avg Deductible
What the Numbers Say About Wells
Wells, North Dakota has 28 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $603/mo for a 27-year-old non-tobacco user, with the lowest Silver at $515 and the highest at $709.
The benchmark (second-lowest Silver) premium is $524/mo, the figure the IRS uses to calculate your Advance Premium Tax Credit. Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $5,126 and the average out-of-pocket maximum is $8,950 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Wells shifted by +26.1%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 3 issuers active in Wells, consumers have some competitive choice, though narrower than the most competitive counties. This page is informational only and is not insurance, medical, or tax advice — verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Silver
9 plans$603/mo avg
$515 — $709
Gold
8 plans$602/mo avg
$518 — $725
Catastrophic plan available: avg $324/mo (2 plans) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Wells is $524/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. The higher the benchmark, the larger the potential subsidy.
Issuers in market
3
Some competition
Benchmark Silver
$524 /mo
Sets your subsidy ceiling
Avg deductible
$5,126
Across all metal tiers
Wells ACA plans by premium and deductible
Each marker is the Wells average for one metal tier (and the local Bronze low / Silver high extremes where data is available). The dashed line marks the federal out-of-pocket-maximum ceiling.
Source: CMS Marketplace PUF for Wells, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Wells
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross Blue Shield of North Dakota | 10 | $474/mo |
| Medica | 9 | $631/mo |
| Sanford Health Plan | 9 | $467/mo |
All Plans in Wells
| 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 |
| 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 |
| BlueCare Silver $20 PCP Copay ($5 Value Based Drug List) Blue Cross Blue Shield of North Dakota | Silver | PPO | $582.55 | $710.40 | $3,500 | $9,500 |
| 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 |
| 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 |
| BlueCare Gold $10 PCP Copay ($5 Value Based Drug List) Blue Cross Blue Shield of North Dakota | Gold | PPO | $526.33 | $641.84 | $2,000 | $8,000 |
| 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 | $454/mo | $425 | $523 | 8 | 3 |
| 2024 | $467/mo | $412 | $541 | 9 | 3 |
| 2025 | $533/mo | $483 | $585 | 9 | 3 |
| 2026 | $603/mo | $515 | $709 | 9 | 3 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Related Health & Cost Data
Find Doctors
PlainDoctor — Healthcare providers in North Dakota
Hospital Quality Ratings
PlainHospital — CMS star ratings and safety scores
Medicare Plans
PlainMedicare — Medicare Advantage and Part D data
Community Health Data
PlainHealth — CDC community health indicators
Health Access Metrics
PlainHealthAccess — Uninsured rates and provider shortages
Cost of Living
PlainCost — BEA regional price parities
Homeowners Insurance
PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Wells, ND?
There are 28 ACA marketplace plans available in Wells from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Wells?
Silver plans in Wells start at $515/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Wells?
The benchmark (second-lowest Silver) premium in Wells is $524/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Wells?
Average premiums in Wells changed by +26.1% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Wells?
The average annual deductible across all plans in Wells 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 Wells?
There are 3 insurance issuers offering ACA marketplace plans in Wells, 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.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
