Sanford Individual TRUE $10,600 — full price in McIntosh County, North Dakota (2026)
Sanford Individual TRUE $10,600 (89364ND0090015), a catastrophic plan from Sanford Health Plan in McIntosh County, North Dakota, costs $346.01/month full price for a 40-year-old in 2026 — $734.77 at 60, with a $10,600 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 89364ND0090015 · 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 | $270.74 |
| 27 | $283.74 |
| 30 | $307.29 |
| 40 | $346.01 |
| 50 | $483.53 |
| 60 | $734.77 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $10,600
- Family deductible: $21,200
- Individual out-of-pocket max: $10,600
- Family out-of-pocket max: $21,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $532.56/mo. This plan is $346.01/mo at 40 — a difference of $-186.55/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.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other catastrophic plans in McIntosh County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| BlueEssential Catastrophic 100 HSA Eligible $10600 Deductible | Blue Cross Blue Shield of North Dakota | $373.82 |
| Sanford Individual Simplicity $10,600 | Sanford Health Plan | $416.87 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 89364ND0090015 in FIPS 38051.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in McIntosh County
Reviewed by Jason Burns, Editorial Steward.