ACA marketplace plans in Grand Forks, North Dakota (2026)
Grand Forks, North Dakota (population 59,042, ACS 2020-2024), covering ZIP codes 58201, 58202, 58203, 58206, 58207 and 1 more sits in Grand Forks County, where 31 ACA marketplace plans from 3 insurers are available in 2026 with a benchmark (second-lowest-cost silver) plan at $604 per month for a 40-year-old. 2027 plans for Grand Forks County are now available.
City stats
- Population: 59,042 (ACS 2020-2024)
- Uninsured rate: 5.0% (ACS 2020-2024, table S2701)
- Median household income: $63,627 (ACS 2020-2024, table B19013)
ZIP codes covered
58201, 58202, 58203, 58206, 58207, 58208
Source: GeoNames US postal 2026-07-22.
Five lowest-cost plans in Grand Forks County (age 40)
- Blue Cross Blue Shield of North Dakota — BlueEssential Catastrophic 100 HSA Eligible $10600 Deductible · Catastrophic · $373.82/mo · deductible $10,600 · MOOP $10,600
- Sanford Health Plan — Sanford Individual Simplicity $10,600 · Catastrophic · $394.52/mo · deductible $10,600 · MOOP $10,600
- Medica — Altru Prime by Medica Bronze Share · Expanded Bronze · $418.75/mo · deductible $8,000 · MOOP $10,600
- Blue Cross Blue Shield of North Dakota — BlueCare Bronze HSA Eligible $50 PCP Copay ($5 Value Based Drug List) · Expanded Bronze · $434.01/mo · deductible $6,000 · MOOP $10,150
- Sanford Health Plan — Sanford Individual Simplicity Standardized $7,500 · Expanded Bronze · $441.35/mo · deductible $7,500 · MOOP $10,000
See the full Grand Forks County plan table with every issuer, metal tier, and cost-sharing figure →
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025, so for plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit at all, and lower-income households pay a larger share of the benchmark plan's premium (Congressional Research Service report R48290; KFF's 2026 premium tracker).
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan and premium figures come from this file.
- American Community Survey 5-Year Estimates, 2020-2024 — U.S. Census Bureau. Population/income/uninsured figures where present.
- ZIP-city association: GeoNames US postal 2026-07-22 — postal geography derived from USPS ZIP city listings.
- Full methodology: how we source and interpret this data →