Sanford Individual TRUE $10,600
Catastrophic · HMO · Sanford Health Plan · North Dakota
At age 40 it costs between $296.44 and $346.01 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 89364ND0090015 |
|---|---|
| Insurer | Sanford Health Plan |
| Metal level | Catastrophic |
| Plan type | HMO |
| Deductible (individual) | $10,600 |
| Deductible (family) | $21,200 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | No Charge after Deductible |
| Specialist visit | No Charge after Deductible |
| Emergency room | No Charge after Deductible |
| Inpatient stay | No Charge after Deductible |
| Generic drugs | No Charge after Deductible |
| Preferred brand drugs | No Charge after Deductible |
| Specialty drugs | No Charge after Deductible |
| Adult dental included | No |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-800-752-5863 · TTY 1-877-652-1844 |
Where it is sold, and what it costs there
9 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Burleigh County | $231.95 | $263.27 | $296.44 | $414.26 | $629.51 |
| Morton County | $231.95 | $263.27 | $296.44 | $414.26 | $629.51 |
| Cass County | $236.51 | $268.44 | $302.26 | $422.41 | $641.88 |
| Emmons County | $270.74 | $307.29 | $346.01 | $483.53 | $734.77 |
| McIntosh County | $270.74 | $307.29 | $346.01 | $483.53 | $734.77 |
| McLean County | $270.74 | $307.29 | $346.01 | $483.53 | $734.77 |
| Mercer County | $270.74 | $307.29 | $346.01 | $483.53 | $734.77 |
| Oliver County | $270.74 | $307.29 | $346.01 | $483.53 | $734.77 |
| Traill County | $270.74 | $307.29 | $346.01 | $483.53 | $734.77 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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When this plan’s price or benefits change.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.