We know how important it is to understand what the Affordable Care Act offers. There are new benefits, rights and protections that affect you, your family and your business. For this reason, we want to provide a comprehensive guide that will assist you in further understanding what the bill offers, so you can make well-informed decisions.


ObamaCare helps consumers obtain health insurance by offering new coverage options, helping those who can’t afford it and putting in place strong protections.


New reforms include:


  • Young adults can stay on their plans until 26.
  • Insurance companies cannot drop you when you are sick.
  • There can be no gender discrimination in costs.
  • Insurance companies must cover people with pre-existing conditions.
  • There are no annual or lifetime dollar limits.
  • And more…


The official ObamaCare enrollment period ended on March 31, 2014. Important Notice: Its urgent, to avoid future fines and penalties, to sign up for health insurance under the Affordable Health Care Act.


North Dakota Individuals & Families: Find out the most cost efficient healthcare insurance for you.




You have access to these benefits through the Health Insurance Marketplace, which offers federally regulated and subsidized health insurance.


The Marketplace can help if you don’t have coverage now or if you have it but want to look at other options. For the state of North Dakota, you can visit HealthCare.gov to access yours!


The Marketplace or Exchange gives consumers the opportunity to compare prices and plans before applying. When you follow the application process, you can also learn if you can get lower costs based on your income while comparing your coverage options side-by-side. Thanks to this system, you can choose the combination of price and benefits that fits your budget and meets your needs. Enrolling through the Exchange is easy and fast.


If you have any questions or concerns, take advantage of this free Obama Care Guide.





ObamaCare has already produced major changes in the state of North Dakota.


  • Thanks to the Affordable Care Act, the 88% of North Dakotans who have insurance have more choices and stronger coverage than ever before and for the 12% of North Dakotans who don’t have insurance, or North Dakota families and small businesses who buy their coverage but aren’t happy with it, have better options.
  • 59,106 (86%) of North Dakota’s uninsured and eligible population may qualify for lower costs on coverage in the Marketplace, including through Medicaid.
  • North Dakota has received $1,000,000 in grants for research, planning, information technology development, and implementation of its Health Insurance Marketplace.
  • Under the health care law, if your plan covers children, you can now add or keep your children on your health insurance policy until they turn 26 years old. Thanks to this provision, 5,000 young adults in North Dakota.
  • As many as 275,556 non-elderly North Dakotans have some type of pre-existing health condition, including 33,573 children.
  • North Dakota has received $1,000,000 under the new law to help fight unreasonable premium increases. Since implementing the law, the fraction of requests for insurance premium increases of 10 percent or more has dropped dramatically, from 75 percent to 14 percent nationally.
  • Already, 253,000 people in North Dakota, including 93,000 women and 66,000 children, are free from worrying about lifetime limits on coverage.
  • In 2011 and 2012, 71 million Americans with private health insurance gained preventive service coverage with no cost-sharing, including 180,000 in North Dakota.
  • Approximately 47 million women, including 110,215 in North Dakota will now have guaranteed access to additional preventive services without cost-sharing.
  • Health Center grantees in North Dakota have received $4,223,629 under the health care law to support ongoing health center operations and to establish new health center sites, expand services, and/or support major capital improvement projects.


ObamaCare By State