Best North Dakota​ Health Insurance

In North Dakota, residents can choose from several types of health insurance plans:

• Employer-Sponsored Plans: Offered through your workplace and often cover a portion of the premium.
• Individual and Family Plans: Available through a Health Insurance Marketplace for those not covered by employers.
• Medicaid: Designed for low-income individuals and families who meet eligibility criteria.
• Medicare: A federal program for people aged 65 and older or those with specific disabilities.

At AHiX, we provide access to all these options, ensuring you find the right coverage.

Applying for health insurance in North Dakota is simple. Visit HealthCare.gov to compare plans, check for subsidies, and enroll during the open enrollment period. If you need guidance, AHiX experts are here to assist you in selecting the right plan for your needs.

Medicaid Expansion extends coverage to adults aged 19 to 64 with incomes up to 138% of the federal poverty level. This allows more low-income individuals access to affordable health care, covering services like doctor visits, hospital care, and prescriptions. If you qualify, AHiX can help you navigate your options.

Since 2019, there is no federal penalty for not having health insurance. However, having a policy protects you from unexpected medical expenses and provides access to necessary care, which is critical for your health and financial security.

Subsidies are available based on your household income and family size. By applying through the Health Insurance Marketplace or with the help of AHiX, you can determine your eligibility for premium tax credits or cost-sharing reductions to lower your insurance costs.

When selecting a plan, it’s important to evaluate:

• Monthly premiums and deductibles.
• Out-of-pocket maximums.
• The network of providers.
• Covered services, including prescriptions.

AHiX helps you compare plans based on your budget and healthcare needs, ensuring you make the best choice.

Yes! Under the Affordable Care Act (ACA), insurers cannot deny coverage or charge higher premiums due to pre-existing conditions. This ensures everyone has access to necessary health care, and AHiX offers plans that comply with these protections.

Short-term health insurance provides temporary coverage for gaps in regular insurance. In North Dakota, these plans are available but limited to a maximum of four months, including renewals. AHiX simplifies the enrollment process, helping you find flexible and affordable short-term options.

The North Dakota Insurance Department ensures health insurance rates are fair by reviewing and approving rate increases from insurers. They analyze premiums and claims to maintain fair pricing. AHiX works with trusted providers to offer competitive rates for our customers.

Yes, under the ACA, young adults can remain on their parent’s health insurance plan until age 26. This applies even if they’re married, financially independent, or living away from their parents. AHiX offers additional options for those transitioning off their family plans.

Seniors in North Dakota can access Medicare, along with Medicare Advantage and Supplement plans for additional coverage. The North Dakota Insurance Department also provides resources to help seniors understand their options. For personalized assistance, AHiX is here to help seniors find the best coverage.

You can verify an insurance company’s licensing status by contacting the North Dakota Insurance Department or visiting their website. This ensures you work with authorized and trustworthy providers. AHiX only partners with reputable and licensed insurers.

For more information, you can contact the North Dakota Insurance Department or visit their website. Additionally, AHiX is always ready to answer your questions and help you find the right health insurance plan for your needs.

Yes, North Dakota offers Medicaid, a program jointly funded by the state and federal government to provide health coverage for low-income individuals and families. Medicaid covers essential services like doctor visits, hospital stays, prescriptions, and preventive care. Under Medicaid Expansion, adults aged 19-64 with incomes up to 138% of the federal poverty level may also qualify. At AHiX, we can help you explore your eligibility and guide you through the enrollment process to ensure you access the care you need.

Health insurance can generally be used in other states, but it depends on your specific plan and provider network. Many plans only cover in-network providers, which are often limited to your home state or region. However, most health insurance plans provide emergency coverage regardless of location. At AHiX, we help you understand your plan’s coverage options, including out-of-state care, so you’re prepared for any situation.