Sanford Individual TRUE $1,750
Gold · HMO · Sanford Health Plan · North Dakota
At age 40 it costs between $485.87 and $567.12 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 | 89364ND0090018 |
|---|---|
| Insurer | Sanford Health Plan |
| Metal level | Gold |
| Plan type | HMO |
| Deductible (individual) | $1,750 |
| Deductible (family) | $3,500 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,000 |
| Family maximum | $18,000 |
| Primary care visit | No Charge |
| Specialist visit | $60 |
| Emergency room | 35% Coinsurance after deductible |
| Inpatient stay | 35% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 |
| Specialty drugs | 35% Coinsurance 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 | $380.18 | $431.50 | $485.87 | $679 | $1,031.80 |
| Morton County | $380.18 | $431.50 | $485.87 | $679 | $1,031.80 |
| Cass County | $387.65 | $439.98 | $495.42 | $692.34 | $1,052.07 |
| Emmons County | $443.75 | $503.66 | $567.12 | $792.54 | $1,204.34 |
| McIntosh County | $443.75 | $503.66 | $567.12 | $792.54 | $1,204.34 |
| McLean County | $443.75 | $503.66 | $567.12 | $792.54 | $1,204.34 |
| Mercer County | $443.75 | $503.66 | $567.12 | $792.54 | $1,204.34 |
| Oliver County | $443.75 | $503.66 | $567.12 | $792.54 | $1,204.34 |
| Traill County | $443.75 | $503.66 | $567.12 | $792.54 | $1,204.34 |
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.