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North Dakota Health Insurance (ND)Choose from the list below to learn more about specific health insurance providers in North Dakota. Read on to learn about health insurance regulations in your state. Or enter your zip code in the box to the right to request a health insurance quote.
Get a quote for North Dakota health insurance now >> Health Insurance Providers in North Dakota (ND)Individual Health Insurance in North Dakota (ND)Individual insurers are allowed to deny coverage if you have a health problem. If you have been refused, however, you can buy individual insurance from Comprehensive Health Association of North Dakota (CHAND). The same is true of HIPAA eligible individuals. North Dakota requires individual insurance companies to offer basic and standard health plans. If it is determined that you have a pre-existing condition, elimination riders may be attached to policies. Also, exclusion periods of no more than 12 months are allowed. Although your insurance cannot be cancelled due to your illness, there are no limitations on the cost of an individual policy. Get a quote for health insurance now.>> Group Health Insurance in North Dakota (ND)North Dakota regulations provide that group health coverage cannot be refused to qualified individuals even if they have a health problem, nor can they be charged more than others for the coverage. If you have life changes related to children, marriage, family problems or job loss, you may be entitled to special opportunities for group health insurance. Newborns, adopted, and disabled children have special regulations in the state as well. A new employer is allowed to wait before offering group coverage. HMOs are also allowed to impose an affiliation period before coverage begins. Pre-existing conditions have several limitations for protection in North Carolina. The last six months before coverage begins is the look back period for insurance companies to review your medical history for pre-existing conditions. If one exists, they can impose an exclusion period of no more than 12 months for coverage. If you have had continuous coverage with no breaks longer than 63 days, you are entitled to creditable coverage for the condition. Small Business Health Insurance in North Dakota (ND)Small employers of two to 50 cannot be refused small group health insurance in North Dakota and insurance companies must offer standardized plans. Your insurance cannot be cancelled due to illness within your insured group. Businesses with two to 25 employees have limits on the variances of their premiums. For groups of over 25, there are no limitations. Get a quote for health insurance now.>> Self-Employed Health Insurance in North Dakota (ND)The self-employed are not allowed small group health insurance. For rules governing professional or trade associations which have group health coverage, it is recommended you contact the North Dakota Department of Insurance. North Dakota Department of Insurance North Dakota Programs (ND)The Comprehensive Health Association of North Dakota (CHAND) provides health insurance to HIPAA eligible persons and to residents who have been turned down for insurance. There are several programs in South Dakota for low income residents, such as Medicaid, Healthy Steps and Caring Program for Children.
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Key Facts... From 1999 to 2009, employer-sponsored family health insurance premiums increased 131% and the average annual cost of coverage went from $5,791 to $13,375. You may be able to lower costs by switching to a private plan. Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2009. The Recession of 2008-2009 meant that 6.9 million people lost their employer-sponsored insurance. Of those, 3 million became uninsured. Source: Based on John Holahan and Bowen Garrett, "Rising Unemployment, Medicaid, and the Uninsured." Among 300 million Americans, 15% are uninsured, 52% have coverage through an employer, 27% are covered under Medicare/Medicaid, and only 5% have private non-group coverage. Are you insured? If not, then request a quote today. Source: Kaiser Commission on Medicaid and Uninsured/Urban Institute analysis of March 2009 CPS. Average premiums for health insurance coverage range widely from state-to-state. In New York, annual premiums are an average of $6,630, while in Iowa they are $2,606. Find out how much you can save by requesting a quote. Source: AHIP Center for Policy and Research. "Individual Health Insurance 2009." |
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