The Department of Insurance regulates monitors and oversees all hospitals, health care providers and insurance providers in the state of North Dakota.

The following is a brief description of available plans for residents of North Dakota.

According to North Dakota law individuals can be denied health coverage depending on current health status, coverage may still be available under HIPPA if:

Individual held coverage for a continuous 18 month period as well as having used all available contributions under COBRA.

Comprehensive Health Association of North Dakota (CHAND)

Offered by the state of North Dakota the CHAND plan is coverage available to individuals which are unable to acquire insurance via the standard insurance companies due to a pre-existing medical condition.

Programs and Plans for Children:

Healthy Step: North Dakota offers children of low to modest income family insurance coverage.

Caring for Children Program
Additional program geared at providing children with primary, preventive and dental care if their families can not afford traditional insurance coverage.
Medicaid
The Medicaid Program is administered by the state and is available to low to moderate income families and children under 19, the elderly and those with disabilities that meet income eligibility requirements.

The following is a comprehensive list of insurance companies that are authorized to sell insurance in the state of North Dakota. (Listed in alphabetical order)

Individual Plans are available from the following companies:

American Family Mutual
Assurant Health Insurance
Blue Cross/Blue Shield
Companion Life
Guarantee Trust Life Insurance Company
Heart of America Health Plan
World Insurance Company

Companies which sell to businesses with 2-50 Employees:

American Medical Security Life Insurance Company
Blue Cross/Blue Shield
Guarantee Trust Life Insurance Company
Heart of America Health Plan
Madison National Life Insurance Company
Medica Health Plans (HMO)/Medica Insurance Company
United HealthCare Insurance Company

Companies which sell to businesses with over 51 employees

Aetna Life Insurance Company
Blue Cross/Blue Shield
Connecticut General Life Insurance Company
Guarantee Trust Life
Heart of America Health Plan
Assurant
Medica Health PlansMedica Insurance Company
Mutual of Omaha/United of Omaha Life Insurance Company
Trustmark Insurance Company
Unicare Life & Health Insurance Company
United HealthCare Insurance Company