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Find affordable individual and family plans, small-group, short-term.

View our comprehensive guides to coverage in North Dakota

How Do I Know If I Need Life Insurance?

Losing a loved one can be a difficult time, both emotionally and financially. It can be especially challenging for those who are grieving to gather the necessary funds to cover the expenses associated with burial or final arrangements. To ease this burden, life insurance can be beneficial as it covers medical bills, burial costs, and other debts that may arise after your demise. You may want to consider life insurance if you have any of the following concerns:

  • Age: If you are getting older, you may want to provide for your loved ones after you are gone.
  • Assets: If you want the insurance money to pay off any debts you owe, it can simplify the process of transferring your assets to the intended beneficiaries.
  • Future Financial Support: If others depend on you for financial support, life insurance can provide for their care, maintenance, education, and other expenses even after you are no longer there to support them.

Frequently asked questions about health insurance coverage options in North Dakota

There is no state law mandating health insurance coverage in North Dakota. However, having health insurance is strongly recommended to ensure access to healthcare and protect against high medical costs.

North Dakota offers various health insurance programs, such as Medicaid and the Children’s Health Insurance Program (CHIP), to help eligible individuals and families with low incomes access affordable healthcare coverage.

Yes, North Dakota residents can purchase health insurance through the federal Health Insurance Marketplace, also known as the exchange. It allows individuals and families to compare and purchase health insurance plans that meet their needs and budget.

Medicaid is a joint federal and state program that provides health insurance coverage to eligible low-income individuals and families. North Dakota has expanded Medicaid, which allows more people to qualify based on income and other criteria.

Yes, under the Affordable Care Act (ACA), health insurance plans cannot deny coverage or charge higher premiums based on pre-existing conditions. This applies to plans purchased through the Health Insurance Marketplace and most private insurance plans.

Plans are available from top health insurance companies and may include:​