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North Dakota

North Dakota Small Business Health Insurance

There are different North Dakota health insurance laws regarding small businesses or the self-employed. Often these types of health insurance policies are easier to qualify for than an individual health insurance policy, even if you are not in the best of health.

This guide:

  • Describes small business health insurance laws in North Dakota.

  • Briefly explains self-employed North Dakota health insurance.

  • Alerts you to a beneficial tax deduction.

We also have a guide to North Dakota health insurance for families and individuals.


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North Dakota small business health insurance

North Dakota health insurance companies must sell small business health insurance to any small business. Qualifying North Dakota small businesses must be offered the same health insurance sold to other North Dakota small business. To be eligible a small business must have employees totalling between 2 and 50.

Also, employees must meet a minimum level of participation in order to qualify for North Dakota small business health insurance. Depending upon the health insurance company, a percentage of employees must purchase the policy or the North Dakota small business health insurance policy will be terminated.

Also, health insurance companies are allowed to demand that the employer pay a certain amount toward the premiums of employee's policies before selling a North Dakota small business health insurance policy to the group.

If both requirements are met, North Dakota health insurance companies must sell health insurance to any small business that applies.

On a different note, the cost of North Dakota small business health insurance is only slightly limited. The price of North Dakota small business health insurance can fluctuate due to the health status and risk, but within boundaries.

Finally, as with individual health insurance policies, illness can not be used as grounds for terminating an North Dakota small business health insurance policy.

Self- employed North Dakota health insurance

The approach different states take to the issue of how to treat health insurance for the self-employed varies. In North Dakota, the self employed are prohibited from purchasing a small group health insurance policy for yourself if they employ no one else. A self-employed person with any number of employees is permitted to buy California small business health insurance.

Being a self-employed individual buying North Dakota health insurance can be quite costly. However, there is relief from this cost through an itemized tax deduction. A percentage of your annual North Dakota health insurance premiums can be deducted from taxes if you are self-employed and buying your own health insurance.

More ND small business health insurance help

If you want more help getting the a good health insurance policy, read our guide to small business health insurance.

To find out more about ND group health insurance laws and regulations, visit the official website of the North Dakota Department of Insurance.



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This internet site provides information of a general nature for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent insurance professional licensed in your state with respect to your particular situation.