- Overview Of Health Insurance In North Dakota
- Finding Health Coverage In North Dakota
- North Dakota Medical Insurance Numbers
- Is Health Insurance Mandatory In North Dakota?
Overview Of Health Insurance In North Dakota
North Dakota, also known as the Peace Garden State, which commemorates the International Peace Garden and is located on the border of North Dakota and Canada. North Dakota’s natural resources play a major role in the states economic performance, largely from the oil extraction from Bakken formation. Overall, North Dakota is the 19th largest state by area, yet has the 47th largest population.
The Peace Garden State finds itself in the front half of the states when it comes to health rankings, coming in 17th place. While North Dakota is among the front-runners, there is always room for the residents to improve their health, as well as the rest of the county. If you live in North Dakota, and are looking to have your healthcare needs taken care of, here is what you need to know.
Finding Health Coverage In North Dakota
When you think of what it means to be healthy, most people instantly think of exercising and eating right. While those factors are especially important, they only account for half of the battle. Health insurance is more than a policy that protects you in case of a medical emergency, insurance plays a key role in your health as well.
Many people do not take full advantage of their health insurance plans. When you are enrolled you have access to brilliant primary care physicians who can help you create a preventative plan based off of your medical history to hopefully avoid any illnesses later on in life. If these benefits sound great and you are not enrolled in health insurance, here is how you can find the best coverage in North Dakota.
North Dakota Open Enrollment Dates
The Open Enrollment Period only rolls around once in a year in North Dakota. This is the one time where the health insurance marketplace is open to all residents of the Peace Garden State. When the Affordable Care Act (ACA) was passed, Open Enrollment was created. The ACA gave states the option to participate in the federal marketplace or create their own marketplaces. North Dakota decided to join the federal marketplace, by doing so their Open Enrollment Period runs through the following dates:
- November 1, 2018 - December 15, 2018
One of the best things about the marketplace is you cannot be denied coverage. Even if you have pre-existing or chronic health conditions, you cannot be denied or have your rates raised. So if you have any illnesses, North Dakota’s health insurance marketplace may be the best option for you. On top of receiving insurance, you can also qualify for government subsidies, which can save you even more money.
North Dakota Health Insurance Quotes
Since the Affordable Care Act passed, you will find that millions of Americans do not qualify for subsidies anymore, so they cannot afford the insurance plans. These people have been looking elsewhere for health insurance and you will see that there is a growing trend of individuals and families turning to the private sector to find coverage that fits their budgets.
If you are looking into the private sector, FirstQuote Health can be a great resource for you. FirstQuote Health specializes in finding residents the most affordable health insurance options without compromising the quality of the coverage. We all know how frustrating it can be to search for quotes, especially if you have never looked beforehand. FirstQuote Health can help take the pressure off and complete the search for you.
All you have to do to begin is to enter your zip code, and the website will pull up all the plans that are available to you in your area of North Dakota. The free quoting service will make it easy on you and even give you access to talking to a professional agent who can help with any questions. Enter your zip today to get covered as soon as possible.
Coverage From North Dakota’s Best Health Insurance Companies
If you are content with your current health insurance plan, or have a provider in mind, you can choose to directly enroll through the company. This will save you time and effort, but you may not be choosing the best provider if you did not do research. If you want to go the quick route, here are some of the most popular health insurance providers in North Dakota.
- Noridian Mutual
- Sanford Health
Quick research on the provider you are looking into is a smart idea. You can complete this by searching on the internet for reviews of the provider from current and previous members. This will show you more about the pricing and what they cover so you can get a better feel. Not everyone has the same healthcare needs, but at least you can view what others say.
What works for someone else may not work for you, so it is important to study up before enrolling. The last thing you want to do is end up with a policy that doesn’t cover your medical needs. On top of searching for reviews, you can look into review sites such as FirstQuote Health.
North Dakota Medical Insurance Numbers
Is Health Insurance Mandatory In North Dakota?
No, health insurance is no longer mandatory in the state of North Dakota starting in 2019. Once the ACA (Obamacare) passed, the individual mandate was created. This mandate required all Americans to get health insurance coverage or face a penalty once tax season rolls around. Challengers of President Obama believed the mandate was unconstitutional.
Once President Trump took office, one of his first orders was to end the act, with few attempts, he was not able to make that happen. Instead, he put his focus on the mandate and signed an executive order to eliminate the individual mandate. Some states did not agree with this so they decided to create their own versions, North Dakota was not one of those states.