# What ACA marketplace plans are available in Richland County, North Dakota in 2027?

Richland County, North Dakota has 25 ACA marketplace plans from 3 insurers for 2027, with full-price monthly premiums for a 40-year-old ranging from $476 to $863 and a benchmark (second-lowest-cost silver) plan at $679 per month, before any premium tax credit, per HealthCare.gov plan data.

_Last updated 2026-11-01 · Published by Private Health Insurance Direct Answers · Updated November 1, 2026 with 2027 plan data from HealthCare.gov_

## 2027 plan table

| Issuer | Plan | Metal | Age 40 | Deductible | MOOP |
|---|---|---|---|---|---|
| Medica | Essentia Choice Care with Medica Bronze Share | Bronze | $476.30 | $8,000 | $12,000 |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $7,500 | Bronze | $502.69 | $7,500 | $12,000 |
| Medica | Essentia Choice Care with Medica Bronze Standard | Bronze | $506.98 | $7,500 | $12,000 |
| Sanford Health Plan | Sanford Individual Simplicity $6,500 | Bronze | $508.42 | $6,500 | $11,500 |
| Blue Cross Blue Shield of North Dakota | BlueCare Bronze HSA Eligible $50 PCP Copay | Bronze | $523.97 | $6,000 | $12,000 |
| Sanford Health Plan | Sanford Individual Simplicity $8,000 HSA Qualified | Bronze | $529.98 | $8,000 | $8,000 |
| Blue Cross Blue Shield of North Dakota | BlueValue Bronze HSA Eligible $50 PCP Copay | Bronze | $530.84 | $7,500 | $12,000 |
| Blue Cross Blue Shield of North Dakota | BlueDirect Bronze 100 HSA Eligible $8100 Deductible | Bronze | $566.91 | $8,100 | $8,100 |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $6,400 | Silver | $664.71 | $6,400 | $10,300 |
| Sanford Health Plan | Sanford Individual Simplicity $5,000 | Silver | $678.51 | $5,000 | $10,000 |
| Sanford Health Plan | Sanford Individual Simplicity $4,000 | Silver | $696.92 | $4,000 | $9,750 |
| Sanford Health Plan | Sanford Individual Simplicity $2,000 | Gold | $698.05 | $2,000 | $10,500 |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $2,500 | Gold | $700.79 | $2,500 | $8,600 |
| Blue Cross Blue Shield of North Dakota | BlueCare Gold $10 PCP Copay | Gold | $742.54 | $2,000 | $8,000 |
| Blue Cross Blue Shield of North Dakota | BlueDirect Gold 90 HSA Eligible $2600 Deductible | Gold | $746.03 | $2,600 | $4,300 |
| Blue Cross Blue Shield of North Dakota | BlueValue Gold $30 PCP Copay Standardized plan | Gold | $752.55 | $2,500 | $8,600 |
| Medica | Essentia Choice Care with Medica Silver Standard | Silver | $773.42 | $6,400 | $10,300 |
| Medica | Essentia Choice Care with Medica Silver Share | Silver | $790.67 | $3,525 | $9,300 |
| Medica | Essentia Choice Care with Medica Gold Share | Gold | $792.20 | $2,600 | $6,000 |
| Medica | Essentia Choice Care with Medica Gold Standard | Gold | $793.10 | $2,500 | $8,600 |
| Medica | Essentia Choice Care with Medica Gold HSA | Gold | $795.43 | $3,500 | $4,700 |
| Medica | Essentia Choice Care with Medica Silver HSA | Silver | $798.60 | $4,200 | $8,700 |
| Blue Cross Blue Shield of North Dakota | BlueValue Silver $40 PCP Copay | Silver | $818.62 | $6,400 | $10,300 |
| Blue Cross Blue Shield of North Dakota | BlueCare Silver $35 PCP Copay | Silver | $846.24 | $3,500 | $10,600 |
| Blue Cross Blue Shield of North Dakota | BlueDirect Silver 80 HSA Eligible $4000 Deductible | Silver | $863.30 | $4,000 | $8,000 |

Premiums are full price for one 40-year-old non-smoker, before any premium tax credit.

## Questions about 2027 plans in Richland County

### How many ACA plans are available in Richland County for 2027?

Richland County, North Dakota has 25 ACA marketplace plans from 3 insurers for 2027, per HealthCare.gov plan data.

### What is the 2027 benchmark (second-lowest-cost silver) premium in Richland County?

The 2027 benchmark (second-lowest-cost silver) premium in Richland County is $679 per month for a 40-year-old before tax credits.

### What is the cheapest 2027 plan in Richland County?

The cheapest 2027 plan in Richland County is Essentia Choice Care with Medica Bronze Share from Medica, a Bronze plan at $476 per month for a 40-year-old before tax credits.

### When is Open Enrollment for 2027 coverage?

In states that use HealthCare.gov, Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027.

### How do I get help choosing or enrolling?

You can enroll at HealthCare.gov or call the HealthCare.gov call center at 1-800-318-2596.

## Sources

- HealthCare.gov plan data (CMS Marketplace API) — https://www.healthcare.gov/see-plans/ (retrieved 2026-11-12)
- HealthCare.gov — https://www.healthcare.gov

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