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Community Resources
Marketplace Insurance
Enrolling in health insurance is a proactive way to take the first step towards better health and well-being. With the help of a trained individual, you can receive free support in finding a plan that fits you and your needs through the health insurance Marketplace.
The annual open enrollment period is November 1 – January 15. If you qualify for a special enrollment period (SEP) because of a life change like getting married, having a baby, losing other coverage, or moving, you may apply for coverage outside of open enrollment.
What is Health Insurance?
Health insurance is a contract between you and an insurance company. You buy a plan, and the company agrees to pay part of your medical costs when you get sick or hurt.
All plans offered in the Marketplace cover these 10 essential health benefits:
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Ambulatory patient services (outpatient care you get without being admitted to a hospital)
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Emergency services
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Hospitalization (like surgery and overnight stays)
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Pregnancy, maternity and newborn care (both before and after birth)
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Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
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Prescription drugs
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Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
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Laboratory services
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Preventive and wellness services and chronic disease management
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Pediatric services, including oral and vision care (but adult dental and vision care aren’t essential health benefits)
For assistance applying for Marketplace Insurance in North Dakota, please visit ndcpd.org/NDnavigator/marketplace/.
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