ACA marketplace plans in Billings County, North Dakota (2026)
Billings County, North Dakota has 28 ACA marketplace plans from 3 insurers in 2026, with monthly premiums for a 40-year-old ranging from $374 to $884 and a benchmark (second-lowest-cost silver) plan at $639 per month.
Plan table
| Issuer | Plan | Metal | Age 21 | Age 40 | Age 60 | Deductible | MOOP |
|---|---|---|---|---|---|---|---|
| Blue Cross Blue Shield of North Dakota | BlueEssential Catastrophic 100 HSA Eligible $10600 Deductible | Catastrophic | $292.50 | $373.82 | $793.85 | $10,600 | $10,600 |
| Sanford Health Plan | Sanford Individual Simplicity $10,600 | Catastrophic | $326.18 | $416.87 | $885.26 | $10,600 | $10,600 |
| Blue Cross Blue Shield of North Dakota | BlueCare Bronze HSA Eligible $50 PCP Copay ($5 Value Based Drug List) | Expanded Bronze | $339.60 | $434.01 | $921.67 | $6,000 | $10,150 |
| Blue Cross Blue Shield of North Dakota | BlueValue Bronze HSA Eligible $50 PCP Copay (Standardized plan) | Expanded Bronze | $351.92 | $449.75 | $955.11 | $7,500 | $10,000 |
| Blue Cross Blue Shield of North Dakota | BlueDirect Bronze 100 HSA Eligible ($8000 Deductible / $5 Preventive Drug List) | Expanded Bronze | $360.46 | $460.67 | $978.29 | $8,000 | $8,000 |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $7,500 | Expanded Bronze | $364.91 | $466.36 | $990.36 | $7,500 | $10,000 |
| Sanford Health Plan | Sanford Individual Simplicity $6,500 | Expanded Bronze | $370.99 | $474.12 | $1,006.86 | $6,500 | $9,750 |
| Sanford Health Plan | Sanford Individual Simplicity $7,200 HSA Qualified | Expanded Bronze | $382.11 | $488.33 | $1,037.03 | $7,200 | $7,200 |
| Medica | Medica Individual Choice Bronze Share | Expanded Bronze | $431.65 | $551.64 | $1,171.49 | $8,000 | $10,600 |
| Medica | Medica Individual Choice Bronze $0 Copay PCP Visits | Expanded Bronze | $471.03 | $601.98 | $1,278.37 | $7,500 | $10,600 |
| Medica | Medica Individual Choice Expanded Bronze Standard | Expanded Bronze | $479.41 | $612.69 | $1,301.12 | $7,500 | $10,000 |
| Blue Cross Blue Shield of North Dakota | BlueDirect Gold 90 HSA Eligible ($2600 Deductible / $5 Preventive Drug List) | Gold | $494.59 | $632.09 | $1,342.32 | $2,600 | $4,300 |
| Blue Cross Blue Shield of North Dakota | BlueCare Gold $10 PCP Copay ($5 Value Based Drug List) | Gold | $502.22 | $641.84 | $1,363.03 | $2,000 | $8,000 |
| Blue Cross Blue Shield of North Dakota | BlueValue Gold $30 PCP Copay (Standardized plan) | Gold | $515.82 | $659.22 | $1,399.94 | $2,000 | $8,200 |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $2,000 | Gold | $519.10 | $663.41 | $1,408.83 | $2,000 | $8,200 |
| Sanford Health Plan | Sanford Individual Simplicity $1,750 | Gold | $538.16 | $687.76 | $1,460.55 | $1,750 | $9,000 |
| Medica | Medica Individual Choice Gold $0 Copay PCP Visits | Gold | $661.13 | $844.92 | $1,794.31 | $1,500 | $8,800 |
| Medica | Medica Individual Choice Gold Share | Gold | $675.51 | $863.30 | $1,833.33 | $2,500 | $5,900 |
| Medica | Medica Individual Choice Gold Standard | Gold | $691.66 | $883.94 | $1,877.15 | $2,000 | $8,200 |
| Sanford Health Plan | Sanford Individual Simplicity $3,500 | Silver | $491.60 | $628.26 | $1,334.19 | $3,500 | $9,750 |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $6,000 | Silver | $500.23 | $639.29 | $1,357.61 | $6,000 | $8,900 |
| Sanford Health Plan | Sanford Individual Simplicity $4,750 | Silver | $517.27 | $661.07 | $1,403.86 | $4,750 | $9,750 |
| Blue Cross Blue Shield of North Dakota | BlueValue Silver $40 PCP Copay (Standardized plan) | Silver | $538.14 | $687.74 | $1,460.51 | $6,000 | $8,900 |
| Blue Cross Blue Shield of North Dakota | BlueCare Silver $20 PCP Copay ($5 Value Based Drug List) | Silver | $555.87 | $710.40 | $1,508.63 | $3,500 | $9,500 |
| Blue Cross Blue Shield of North Dakota | BlueDirect Silver 80 HSA Eligible ($3500 Deductible / $5 Preventive Drug List) | Silver | $571.97 | $730.98 | $1,552.33 | $3,500 | $7,500 |
| Medica | Medica Individual Choice Silver $0 Copay PCP Visits | Silver | $655.20 | $837.35 | $1,778.22 | $3,500 | $10,450 |
| Medica | Medica Individual Choice Silver Share | Silver | $673.26 | $860.42 | $1,827.22 | $3,525 | $8,850 |
| Medica | Medica Individual Choice Silver Standard | Silver | $676.87 | $865.04 | $1,837.02 | $6,000 | $8,900 |
Cost-sharing reductions (CSR)
Silver plans in this county carry the standard cost-sharing shown above. If your household income is between 100% and 250% of the federal poverty level, HealthCare.gov automatically applies CSR variants of silver plans that lower deductibles, copays, and the annual out-of-pocket maximum — the plan name stays the same but the numbers on your Summary of Benefits change.
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 (see the Congressional Research Service report R48290 and KFF's 2026 premium tracker). These figures describe the rules; nothing on this page is a recommendation.
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan, premium, deductible, and out-of-pocket figures on this page come from this file.
- HealthCare.gov — official federal marketplace where these plans are sold.