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- About 7, 13 and 19%approved 2027 increases for North Dakota's three carriers
- 0carriers leaving North Dakota for 2027
- Dec 15pick by this date for coverage on January 1
What is happening in North Dakota
No carrier is leaving North Dakota for 2027. In October the North Dakota Insurance Department approved 2027 rates for the individual market, and the three carriers came in far apart: one at about 7 percent, one at about 13 percent, and one at 19 percent.
When carriers move this differently, the plan that was the best value last year may not be this year, and the one that renews automatically is chosen for you based on what you already have. In a market with three carriers, a real comparison is not a big job.
Where carriers are leaving
Carrier exits for 2027 are real, and they are spread across the country. Cigna is leaving the individual market in all 11 states where it sells. Baylor Scott & White is leaving Texas, CareSource is leaving Indiana, Ohio and West Virginia, Medica is leaving Iowa, Kansas and Oklahoma, and several smaller carriers are leaving other states. If you moved recently or have family elsewhere, the all states overview lists them.
What this means for you
If you get a subsidy, the headline increase is not what you pay. Your subsidy is recalculated on your estimated 2027 income, and it usually absorbs much of a price increase. Updating your income estimate matters more than the rate filing.
If you do not get a subsidy, you feel the full increase. This is where it pays to compare more than one kind of coverage. Private major medical plans are priced differently from ACA plans, and for some people who pay full price they can cost less for similar coverage. I compare both, side by side, so you can see the real numbers for your household.
The practical point: if your carrier stays, most plans renew automatically at the new 2027 price. If your carrier leaves, you may be moved automatically into a plan someone else picked. Neither checks whether a different plan now costs less or fits your doctors better. That check takes a few minutes.
The dates that matter in North Dakota
North Dakota uses the federal marketplace at HealthCare.gov, so it follows the federal calendar.
- Fall 2026Renewal notices arrive with your 2027 price. Read it, even if you plan to keep your plan.
- November 1, 2026Open enrollment opens for 2027 coverage on HealthCare.gov.
- December 15, 2026Deadline to pick a plan that starts January 1, 2027.
- January 15, 2027Open enrollment closes. After this you generally need a qualifying life event to change plans.
What to do, in order
Read your renewal or non renewal notice
It shows your 2027 premium and any plan changes. Compare it with what you pay today.
Write down your doctors and your prescriptions
The physicians you want to keep and the exact drugs with dosages. Networks and drug lists change from year to year even when the carrier stays.
Update your income estimate for 2027
Your subsidy is based on your estimated income for the year ahead. If it changed, your real cost changes with it.
Compare before December 15
That is the last day to pick a plan that starts January 1 in North Dakota. Compare on total cost, meaning premium plus deductible plus what you expect to use, and include private options if you pay full price.
Common questions
Is my health insurance company leaving North Dakota in 2027?
No. All three carriers that sold individual plans in North Dakota are back for 2027, with approved increases of about 7, 13 and 19 percent.
Why is my premium changing for 2027?
North Dakota's three individual market carriers were approved for 2027 increases of about 7, about 13 and 19 percent. If you get a subsidy, your net cost depends on your 2027 income.
Do I have to use a broker?
No. You can enroll yourself at HealthCare.gov at no cost. A licensed broker also costs you nothing, because brokers are paid by the carriers and the premium is identical either way. A broker can also show you private plans that are not sold on the marketplace.