North Dakota Health Insurance

North Dakota has more health insurance regulations than most states. So it's important to familiarize yourself with them, so you're more confident and wise in your purchase.

This guide:

  • Describes North Dakota health insurance policy regulations.

  • Lists rules North Dakota health insurance companies follow.

Health insurance policies are regulated by each state's own health insurance laws. North Dakota health insurance companies and policyholders alike must abide by established insurance laws.

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North Dakota health insurance policy provisions

Some of the most important North Dakota health insurance laws are the ones that influence the health insurance policy specifically.

For one, exclusion periods for pre-existing conditions included in North Dakota health insurance policies can only last 12 months. After this time has lapsed, the health insurance policy must cover the pre-existing condition.

The definition of a pre-existing condition varies from state to state. In North Dakota, health insurance laws refer to conditions you received medical treatment for or were diagnosed with in the 6 months prior to the beginning of the plan as pre-existing conditions.

On a different note, at the end of your North Dakota health insurance policy's term, you always have the option of renewing it for another term. This is called the guaranteed renewability provision.

Finally, any parents' individual North Dakota health insurance policy that already covers dependents automatically covers newborns and adopted children for 31 days.

Regulating North Dakota health insurance companies

Understanding the laws limiting North Dakota health insurance companies is especially important in making sure your health insurance company continues to honor your original contract. North Dakota health insurance companies and the cost of health insurance is moderately limited.

For instance, all North Dakota health insurance companies must also offer you two state standardized plan if they are offering you a policy.

Different factors affect the cost and availability of North Dakota health insurance. In North Dakota, insurance companies can use health and age to decide whether or not they want to offer you a policy and what it will cost.

In North Dakota, insurance companies are not strictly limited in how much you can be charged for health insurance. The price can significantly jump due to age.

As mentioned earlier, at no time can your North Dakota health insurance policy be canceled because you have fallen ill.

Temporary North Dakota health insurance

Temporary health insurance in necessary when you have breaks between your group or individual health insurance plans. If you have recently left a fully insured group policy or have lost your coverage because of the death of a spouse, you are eligible for a conversion policy.

The policy premiums for these plans will likely be much more than you were originally paying for your North Dakota health insurance and the coverage may not be the same.

Applications for a conversion policy must be completed and returned within 30 days of the end of your previous North Dakota health insurance policy.

Under conversion policies, you are not required to meet a new pre-existing condition exclusion period and your plan cannot be canceled because you fall ill.

Temporary North Dakota health insurance is also available to anyone who does not meet the requirements for purchasing a conversion policy.

More ND health insurance help

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

Also see the guide to North Dakota small business health insurance.


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

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