ICHRA in North Dakota.
The ICHRA itself is federal — a fixed, tax-free monthly allowance your employees use to buy their own individual plans. What's local is the market underneath it. Here is what that market looks like in North Dakota.
The North Dakota market underneath it.
North Dakota buys marketplace plans on HealthCare.gov across 53 counties and 4 rating areas. It is one of the country's smallest individual markets — about 41,000 marketplace enrollees across three carriers in 2026 — so per-employee pricing matters more than averages.
Where employees buy plans
HealthCare.gov — the federal exchange, or directly from carriers off-exchange.
How premiums are set
Premiums vary by age (up to a 3:1 ratio), by rating area, and by tobacco use (federal default, up to 50% more) across 53 counties and 4 rating areas.
What we price here
Every individual plan in our live 2026 artifact for North Dakota — 53 counties across 4 rating areas, from government rate filings.
2027 Open Enrollment
North Dakotans buy 2027 plans on HealthCare.gov November 1, 2026 – January 15, 2027; enroll by December 15, 2026 for coverage starting January 1. (A federal rule that would have shortened the window was vacated by a federal court in June 2026; CMS confirmed the January 15 end date in July 2026 while its appeal is pending.)
Legislation watch
No ICHRA-specific statute, credit, or pending bill as of August 2026 (the legislature meets only in odd-numbered years).
North Dakota questions.
Is an ICHRA legal in North Dakota?
Yes. The ICHRA is a federal arrangement under a 2019 federal rule and works identically in North Dakota; employees buy on HealthCare.gov from the state's three marketplace carriers.
Why do North Dakota ICHRA budgets depend on ZIP code?
North Dakota has 4 rating areas, and with only three carriers the plan lineup shifts by county — Medica, for example, is absent in some counties. We price from your actual census, not a state average.
See your North Dakota team's number.
Insurf, Inc. is not a licensed insurance agency, does not sell insurance, and receives no commissions; enrollment applications are submitted by an individually licensed insurance producer. This page is an educational overview — not an offer of coverage, not a recommendation to buy any plan, and not financial, tax, legal, medical, coverage, or insurance advice.