North Dakota Insurance Department · October 12, 2026 · Primary source
Godfread announces 2027 health insurance rate changes
Summary
North Dakota Insurance Commissioner Jon Godfread announced approved 2027 ACA premium rate increases for individual and small group market plans in the state. Approved average increases range from approximately 7 percent for Sanford Health Plan's individual products to 19 percent for Blue Cross Blue Shield of North Dakota's individual market plans. The commissioner reduced several insurer-requested rate increases after reviewing financial condition, claims costs, administrative expenses, and profit margins. Open enrollment for 2027 ACA plans runs November 1, 2026 through January 15, 2027.
What this may mean
ACA individual and small group market enrollees in North Dakota face premium increases averaging from roughly 7 percent to 19 percent for plan year 2027, depending on insurer. The approved rates are binding on the four participating carriers: UnitedHealthcare, Blue Cross Blue Shield of North Dakota, Sanford Health Plan, and Medica. No new regulatory obligation or enforcement exposure is created for providers, health systems, or compliance programs.
Informational only. Not legal, medical, financial, or other professional advice. Always consult a qualified professional familiar with your specific facts before relying on any item.
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