Sanford Individual TRUE Standardized $2,000
Gold · HMO · Sanford Health Plan · North Dakota
At age 40 it costs between $471.74 and $550.63 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 | 89364ND0090028 |
|---|---|
| Insurer | Sanford Health Plan |
| Metal level | Gold |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $2,000 |
| Deductible (family) | $4,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,200 |
| Family maximum | $16,400 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | 25% Coinsurance after deductible |
| Inpatient stay | 25% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 |
| Specialty drugs | $250 |
| 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 | $369.13 | $418.96 | $471.74 | $659.26 | $1,001.81 |
| Morton County | $369.13 | $418.96 | $471.74 | $659.26 | $1,001.81 |
| Cass County | $376.38 | $427.19 | $481.01 | $672.21 | $1,021.49 |
| Emmons County | $430.85 | $489.02 | $550.63 | $769.50 | $1,169.33 |
| McIntosh County | $430.85 | $489.02 | $550.63 | $769.50 | $1,169.33 |
| McLean County | $430.85 | $489.02 | $550.63 | $769.50 | $1,169.33 |
| Mercer County | $430.85 | $489.02 | $550.63 | $769.50 | $1,169.33 |
| Oliver County | $430.85 | $489.02 | $550.63 | $769.50 | $1,169.33 |
| Traill County | $430.85 | $489.02 | $550.63 | $769.50 | $1,169.33 |
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.