ACA marketplace plans in Cass County, North Dakota (2026)
Cass County, North Dakota has 40 ACA marketplace plans from 3 insurers in 2026, with monthly premiums for a 40-year-old ranging from $302 to $739 and a benchmark (second-lowest-cost silver) plan at $465 per month.
Updated July 21, 2026 · Reviewed by Jason Burns, Editorial Steward
Plan table
| Issuer | Plan | Metal | Age 21 | Age 40 | Age 60 | Deductible | MOOP |
|---|---|---|---|---|---|---|---|
| Sanford Health Plan | Sanford Individual TRUE $10,600 | Catastrophic | $236.51 | $302.26 | $641.88 | $10,600 | $10,600 |
| Sanford Health Plan | Sanford Individual Simplicity $10,600 | Catastrophic | $284.95 | $364.16 | $773.33 | $10,600 | $10,600 |
| 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 TRUE Standardized $7,500 | Expanded Bronze | $264.58 | $338.14 | $718.07 | $7,500 | $10,000 |
| Sanford Health Plan | Sanford Individual TRUE $6,500 | Expanded Bronze | $268.99 | $343.77 | $730.03 | $6,500 | $9,750 |
| Sanford Health Plan | Sanford Individual TRUE $7,200 HSA Qualified | Expanded Bronze | $272.01 | $347.63 | $738.22 | $7,200 | $7,200 |
| Medica | Essentia Choice Care with Medica Bronze Share | Expanded Bronze | $280.02 | $357.86 | $759.97 | $8,000 | $10,600 |
| Medica | Essentia Choice Care with Medica Bronze $0 Copay PCP Visits | Expanded Bronze | $305.57 | $390.51 | $829.31 | $7,500 | $10,600 |
| Medica | Essentia Choice Care with Medica Expanded Bronze Standard | Expanded Bronze | $311.00 | $397.46 | $844.06 | $7,500 | $10,000 |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $7,500 | Expanded Bronze | $318.78 | $407.39 | $865.15 | $7,500 | $10,000 |
| Sanford Health Plan | Sanford Individual Simplicity $6,500 | Expanded Bronze | $324.09 | $414.18 | $879.56 | $6,500 | $9,750 |
| Sanford Health Plan | Sanford Individual Simplicity $7,200 HSA Qualified | Expanded Bronze | $333.80 | $426.59 | $905.91 | $7,200 | $7,200 |
| 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 |
| Medica | Medica Individual Choice Expanded Bronze Standard | Expanded Bronze | $400.80 | $512.22 | $1,087.76 | $7,500 | $10,000 |
| Sanford Health Plan | Sanford Individual TRUE Standardized $2,000 | Gold | $376.38 | $481.01 | $1,021.49 | $2,000 | $8,200 |
| Sanford Health Plan | Sanford Individual TRUE $1,750 | Gold | $387.65 | $495.42 | $1,052.07 | $1,750 | $9,000 |
| Medica | Essentia Choice Care with Medica Gold $0 Copay PCP Visits | Gold | $428.89 | $548.12 | $1,164.00 | $1,500 | $8,800 |
| Medica | Essentia Choice Care with Medica Gold Share | Gold | $438.22 | $560.04 | $1,189.32 | $2,500 | $5,900 |
| Medica | Essentia Choice Care with Medica Gold Standard | Gold | $448.69 | $573.43 | $1,217.75 | $2,000 | $8,200 |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $2,000 | Gold | $453.47 | $579.53 | $1,230.71 | $2,000 | $8,200 |
| Sanford Health Plan | Sanford Individual Simplicity $1,750 | Gold | $470.12 | $600.81 | $1,275.89 | $1,750 | $9,000 |
| 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 |
| Medica | Medica Individual Choice Gold Standard | Gold | $578.24 | $738.99 | $1,569.34 | $2,000 | $8,200 |
| Sanford Health Plan | Sanford Individual TRUE $3,500 | Silver | $349.90 | $447.17 | $949.63 | $3,500 | $9,750 |
| Sanford Health Plan | Sanford Individual TRUE Standardized $6,000 | Silver | $364.03 | $465.22 | $987.96 | $6,000 | $8,900 |
| Sanford Health Plan | Sanford Individual TRUE $4,750 | Silver | $375.64 | $480.07 | $1,019.49 | $4,750 | $9,750 |
| Medica | Essentia Choice Care with Medica Silver $0 Copay PCP Visits | Silver | $425.04 | $543.21 | $1,153.57 | $3,500 | $10,450 |
| Sanford Health Plan | Sanford Individual Simplicity $3,500 | Silver | $429.45 | $548.83 | $1,165.51 | $3,500 | $9,750 |
| Medica | Essentia Choice Care with Medica Silver Share | Silver | $436.76 | $558.18 | $1,185.36 | $3,525 | $8,850 |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $6,000 | Silver | $436.98 | $558.46 | $1,185.96 | $6,000 | $8,900 |
| Medica | Essentia Choice Care with Medica Silver Standard | Silver | $439.10 | $561.17 | $1,191.72 | $6,000 | $8,900 |
| Sanford Health Plan | Sanford Individual Simplicity $4,750 | Silver | $451.87 | $577.49 | $1,226.36 | $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 |
| Medica | Medica Individual Choice Silver Standard | Silver | $565.88 | $723.19 | $1,535.79 | $6,000 | $8,900 |
| 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 |
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.