Sanford Individual Simplicity $3,500 — full price in Burleigh County, North Dakota (2026)
Sanford Individual Simplicity $3,500 (89364ND0120003), a silver plan from Sanford Health Plan in Burleigh County, North Dakota, costs $538.26/month full price for a 40-year-old in 2026 — $1143.05 at 60, with a $3,500 deductible and $9,750 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 89364ND0120003 · Issuer: Sanford Health Plan · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $421.17 |
| 27 | $441.39 |
| 30 | $478.03 |
| 40 | $538.26 |
| 50 | $752.21 |
| 60 | $1143.05 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,500
- Family deductible: $7,000
- Individual out-of-pocket max: $9,750
- Family out-of-pocket max: $19,500
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $456.26/mo. This plan is $538.26/mo at 40 — a difference of $82.00/mo.
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 — how much less depends on income, household size, and county benchmark.
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Other silver plans in Burleigh County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Sanford Individual TRUE $3,500 | Sanford Health Plan | $438.56 |
| Sanford Individual TRUE Standardized $6,000 | Sanford Health Plan | $456.26 |
| Sanford Individual TRUE $4,750 | Sanford Health Plan | $470.82 |
| Essentia Choice Care with Medica Silver $0 Copay PCP Visits | Medica | $543.21 |
| Sanford Individual Simplicity Standardized $6,000 | Sanford Health Plan | $547.70 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 89364ND0120003 in FIPS 38015.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Burleigh County
Reviewed by Jason Burns, Editorial Steward.