The Affordable Care Act (ACA), commonly known as Obamacare, became law in March 2010,
Obamacare makes it possible for families whose income is below the poverty line to afford a health insurance premium.
All states are subject to the ACA but accessibility to plans and coverage options varies from state to state.
So, if you’re in North Dakota, here’s how you can sign up for Obamacare.
North Dakota Obamacare
North Dakota was one of the few states where federal exchange enrollment increased yearly. In 2022, North Dakota saw a record high of 29,873 people enroll through the North Dakota exchange.
Obamacare aims to make healthcare available to all Americans, regardless of their financial situation.
Low-income households benefit from tax credits that reduce health insurance costs if their household income is between 100% to 400% of the federal poverty level. Obamacare is open to American citizens who do not have access to other affordable health insurance.
Non-US citizens may also qualify for Obamacare if they are in the U.S. lawfully. Immigrants can apply for Obamacare if they meet one of the following statuses:
- Lawful permanent resident or green card holder
- Lawful temporary resident
- Non-immigrant status, including those with worker visas and student visas
- Refugee or Asylee
- Battered spouse, child, and parent
- Victim of trafficking
If you want to sign up for Obamacare in North Dakota, you’ll need to enroll during the Open Enrollment Period. This takes place between 1 November and 15 January.
How Does Obamacare Work For The Unemployed In North Dakota?
If you are unemployed or have a meager income, you can get an affordable health insurance plan through the national Marketplace.
You may also qualify for free or low-cost health coverage through the state and federal Medicaid programs.
North Dakota is one of the states that accepted federal funding to expand Medicaid under the Affordable Care Act.
This means that since 2014, low-income adults without child dependents who are legally present in North Dakota have been eligible for Medicaid, including:
- Adults with household income up to 138% of the federal poverty level
- Children aged 0 – 18 with household income up to 170% of poverty.
- Pregnant women with household income up to 157% of poverty.
How To Sign Up For Obamacare In North Dakota
In North Dakota, you can sign up for Obamacare on the national marketplace website ( HealthCare.gov) or use a health insurance broker like Enhance Health.
Trying to decide between the plans and various options can feel overwhelming, especially when navigating the fine print. At Enhance Health, we make it easy to sign up for Obamacare in North Dakota.
If you need help understanding which plan is the best for you, give us a call and chat with an agent.
One of our trained team can help you make sense of each plan and the finer details. This way, you can make an informed decision when choosing health care coverage.
We will take you through the process from beginning to end. This means we will chat with you about your income, household size, and any specific medical needs and then determine the plans that you qualify for.
Once we’ve laid out the plans that meet your needs and what each one entails, you’ll be able to make a more informed decision about your healthcare coverage. And once you’ve decided on the plan that is best suited to your needs, we’ll help you enroll and activate your Obamacare policy.
Our goal is to take all the stress and confusion out of signing up for Obamacare in North Dakota. So, if you’re struggling to make sense of the different plans and the sign-up process, simply give us a call at 877-395-2858. We’re ready to help!
North Dakota Obamacare Premiums
Health insurance plans are organized into “metal tiers,” which determine how much of the premium you pay.
Bronze is the lowest-cost plan with a low monthly premium and the highest cost of care. The average lowest cost of a bronze plan in North Dakota is $296 before subsidies are applied.
Silver, also known as the “benchmark” plan, has moderate monthly premiums and moderate costs when you need care. The lowest average cost of a silver plan before subsidies are applied is $463.
Gold has high monthly premiums but low costs when you need care. The average monthly premium for a gold plan before applied subsidies is $475.
The subsidy you qualify for depends on your income, family size, and household income. Therefore there is no standard subsidy for all. Your monthly premium could be much less, depending on the subsidy you qualify for.
What Do You Need To Sign Up For Obamacare In North Dakota?
To ensure a smooth enrollment process when signing up for Obamacare, you will need the following documents:
- Social Security Numbers
- Last year’s tax information for you and your family.
- Income information for all household members who need health coverage.
- Estimated incomes for this year
- Medical history
- Employer details, including contact details
- Policy numbers for any current health insurance plans covering members of your household.
Obamacare is open to all Americans and aims to make healthcare accessible regardless of their financial situation or health status.
While all ACA-compliant plans must include specific minimum benefits, specific cover in each benefit category may vary between states.
Enhance Health has licensed agents ready to assist you if you need clarity on the coverage available in North Dakota or help signing up for Obamacare.