What health insurance costs without a subsidy in Morton County, North Dakota (2026)
In Morton County, North Dakota, the benchmark silver plan costs $456.26/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $296.44 to $730.98. A 60-year-old pays at least $629.51/month, a 21-year-old at least $231.95. 2 insurers offer 28 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $231.95/mo
- Age 40 — starting at $296.44/mo
- Age 60 — starting at $629.51/mo
Cost by metal level (age 40, 2026)
- Silver — starting at $438.56/mo
- Gold — starting at $471.74/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $1,750 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Blue Cross Blue Shield of North Dakota, Sanford Health Plan
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
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Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Morton County (FIPS 38059).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in North Dakota
- Adams County — $639.29/mo benchmark
- Barnes County — $639.29/mo benchmark
- Billings County — $639.29/mo benchmark
- Bowman County — $639.29/mo benchmark
- Dickey County — $639.29/mo benchmark
Plans available in this county (28)
- Sanford Individual TRUE $10,600 — Catastrophic · $296.44/mo @ 40
- Sanford Individual Simplicity $10,600 — Catastrophic · $357.15/mo @ 40
- BlueEssential Catastrophic 100 HSA Eligible $10600 Deductible — Catastrophic · $373.82/mo @ 40
- Sanford Individual TRUE Standardized $7,500 — Expanded Bronze · $331.62/mo @ 40
- Sanford Individual TRUE $6,500 — Expanded Bronze · $337.15/mo @ 40
- Sanford Individual TRUE $7,200 HSA Qualified — Expanded Bronze · $340.93/mo @ 40
- Sanford Individual Simplicity Standardized $7,500 — Expanded Bronze · $399.54/mo @ 40
- Sanford Individual Simplicity $6,500 — Expanded Bronze · $406.20/mo @ 40
- Sanford Individual Simplicity $7,200 HSA Qualified — Expanded Bronze · $418.37/mo @ 40
- BlueCare Bronze HSA Eligible $50 PCP Copay ($5 Value Based Drug List) — Expanded Bronze · $434.01/mo @ 40
- BlueValue Bronze HSA Eligible $50 PCP Copay (Standardized plan) — Expanded Bronze · $449.75/mo @ 40
- BlueDirect Bronze 100 HSA Eligible ($8000 Deductible / $5 Preventive Drug List) — Expanded Bronze · $460.67/mo @ 40
- Sanford Individual TRUE Standardized $2,000 — Gold · $471.74/mo @ 40
- Sanford Individual TRUE $1,750 — Gold · $485.87/mo @ 40
- Sanford Individual Simplicity Standardized $2,000 — Gold · $568.37/mo @ 40
- Sanford Individual Simplicity $1,750 — Gold · $589.23/mo @ 40
- BlueDirect Gold 90 HSA Eligible ($2600 Deductible / $5 Preventive Drug List) — Gold · $632.09/mo @ 40
- BlueCare Gold $10 PCP Copay ($5 Value Based Drug List) — Gold · $641.84/mo @ 40
- BlueValue Gold $30 PCP Copay (Standardized plan) — Gold · $659.22/mo @ 40
- Sanford Individual TRUE $3,500 — Silver · $438.56/mo @ 40
- Sanford Individual TRUE Standardized $6,000 — Silver · $456.26/mo @ 40
- Sanford Individual TRUE $4,750 — Silver · $470.82/mo @ 40
- Sanford Individual Simplicity $3,500 — Silver · $538.26/mo @ 40
- Sanford Individual Simplicity Standardized $6,000 — Silver · $547.70/mo @ 40
- Sanford Individual Simplicity $4,750 — Silver · $566.36/mo @ 40
- BlueValue Silver $40 PCP Copay (Standardized plan) — Silver · $687.74/mo @ 40
- BlueCare Silver $20 PCP Copay ($5 Value Based Drug List) — Silver · $710.40/mo @ 40
- BlueDirect Silver 80 HSA Eligible ($3500 Deductible / $5 Preventive Drug List) — Silver · $730.98/mo @ 40
Reviewed by Jason Burns, Editorial Steward.