Health insurance plans in Mercer County, ND (2026)
48 marketplace plans from 3 insurers are offered in Mercer County. The cheapest silver plan is $439 a month for a 40-year-old non-smoker before tax credits.
Cheapest monthly premium by metal level (age 40)
| Metal level | Cheapest premium | Plans |
|---|---|---|
| Bronze | $332 | 15 |
| Silver | $439 | 16 |
| Gold | $472 | 14 |
| Catastrophic | $296 | 3 |
All plans in Mercer County
| Insurer | Plan | Metal | Type | Deductible | Out-of-pocket max | Premium (age 40) |
|---|---|---|---|---|---|---|
| Sanford Health Plan | Sanford Individual TRUE $10,600 | Catastrophic | HMO | — | — | $296 |
| Sanford Health Plan | Sanford Individual TRUE Standardized $7,500 | Bronze | HMO | — | — | $332 |
| Sanford Health Plan | Sanford Individual TRUE $6,500 | Bronze | HMO | — | — | $337 |
| Sanford Health Plan | Sanford Individual TRUE $7,200 HSA Qualified | Bronze | HMO | — | — | $341 |
| Sanford Health Plan | Sanford Individual Simplicity $10,600 | Catastrophic | PPO | — | — | $357 |
| Blue Cross Blue Shield of North Dakota | BlueEssential Catastrophic 100 HSA Eligible $10600 Deductible | Catastrophic | PPO | — | — | $374 |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $7,500 | Bronze | PPO | — | — | $400 |
| Sanford Health Plan | Sanford Individual Simplicity $6,500 | Bronze | PPO | — | — | $406 |
| Sanford Health Plan | Sanford Individual Simplicity $7,200 HSA Qualified | Bronze | PPO | — | — | $418 |
| Medica | Altru Prime by Medica Bronze Share | Bronze | HMO | — | — | $419 |
| Blue Cross Blue Shield of North Dakota | BlueCare Bronze HSA Eligible $50 PCP Copay ($5 Value Based Drug List) | Bronze | PPO | — | — | $434 |
| Sanford Health Plan | Sanford Individual TRUE $3,500 | Silver | HMO | — | — | $439 |
| Blue Cross Blue Shield of North Dakota | BlueValue Bronze HSA Eligible $50 PCP Copay (Standardized plan) | Bronze | PPO | — | — | $450 |
| Sanford Health Plan | Sanford Individual TRUE Standardized $6,000 | Silver | HMO | — | — | $456 |
| Medica | Altru Prime by Medica Bronze $0 Copay PCP Visits | Bronze | HMO | — | — | $457 |
| Blue Cross Blue Shield of North Dakota | BlueDirect Bronze 100 HSA Eligible ($8000 Deductible / $5 Preventive Drug List) · BlueDirect Bronze 100 HSA Eligible $8000 Deductible ($5 Preventive Drug List) | Bronze | PPO | — | — | $461 |
| Medica | Altru Prime by Medica Expanded Bronze Standard | Bronze | HMO | — | — | $465 |
| Sanford Health Plan | Sanford Individual TRUE $4,750 | Silver | HMO | — | — | $471 |
| Sanford Health Plan | Sanford Individual TRUE Standardized $2,000 | Gold | HMO | — | — | $472 |
| Sanford Health Plan | Sanford Individual TRUE $1,750 | Gold | HMO | — | — | $486 |
| Medica | Medica Individual Choice Expanded Bronze Standard | Bronze | HMO | — | — | $512 |
| Sanford Health Plan | Sanford Individual Simplicity $3,500 | Silver | PPO | — | — | $538 |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $6,000 | Silver | PPO | — | — | $548 |
| Blue Cross Blue Shield of North Dakota | DakotaBlue Trinity Gold ($5 Value Based Drug List) | Gold | PPO | — | — | $548 |
| Medica | Medica Individual Choice Bronze Share | Bronze | HMO | — | — | $552 |
| Sanford Health Plan | Sanford Individual Simplicity $4,750 | Silver | PPO | — | — | $566 |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $2,000 | Gold | PPO | — | — | $568 |
| Sanford Health Plan | Sanford Individual Simplicity $1,750 | Gold | PPO | — | — | $589 |
| Medica | Medica Individual Choice Bronze $0 Copay PCP Visits | Bronze | HMO | — | — | $602 |
| Blue Cross Blue Shield of North Dakota | DakotaBlue Trinity Silver ($5 Value Based Drug List) | Silver | PPO | — | — | $604 |
| Blue Cross Blue Shield of North Dakota | BlueDirect Gold 90 HSA Eligible ($2600 Deductible / $5 Preventive Drug List) · BlueDirect Gold 90 HSA Eligible $2600 Deductible ($5 Preventive Drug List) | Gold | PPO | — | — | $632 |
| Medica | Altru Prime by Medica Silver $0 Copay PCP Visits | Silver | HMO | — | — | $636 |
| Medica | Altru Prime by Medica Gold $0 Copay PCP Visits | Gold | HMO | — | — | $641 |
| Blue Cross Blue Shield of North Dakota | BlueCare Gold $10 PCP Copay ($5 Value Based Drug List) | Gold | PPO | — | — | $642 |
| Medica | Altru Prime by Medica Silver Share | Silver | HMO | — | — | $653 |
| Medica | Altru Prime by Medica Gold Share | Gold | HMO | — | — | $655 |
| Medica | Altru Prime by Medica Silver Standard | Silver | HMO | — | — | $657 |
| Blue Cross Blue Shield of North Dakota | BlueValue Gold $30 PCP Copay (Standardized plan) | Gold | PPO | — | — | $659 |
| Medica | Altru Prime by Medica Gold Standard | Gold | HMO | — | — | $671 |
| Blue Cross Blue Shield of North Dakota | BlueValue Silver $40 PCP Copay (Standardized plan) | Silver | PPO | — | — | $688 |
Showing 40 of 48 plans, cheapest first.
How the premium changes with age
Cheapest silver plan by age (the same plan):
| Age | Monthly premium |
|---|---|
| 21 | $343 |
| 40 | $439 |
| 60 | $931 |
About these numbers
Premiums are the CMS-listed rate for a single non-smoking adult, before any premium tax credit. Most marketplace buyers qualify for a credit based on household income — the actual price can be far lower than the list rate, especially for silver plans. Deductibles and out-of-pocket maximums are for in-network care and vary by plan design. Check doctor and hospital networks before enrolling: a cheaper plan that excludes your doctors is not cheaper.
Related
All counties in North Dakota · How to choose a plan · Premium tax credits explained · Metal tiers explained
Frequently asked questions
What is the cheapest health insurance plan in Mercer County County?
The cheapest plan for a 40-year-old non-smoker is $296 a month (Catastrophic metal level) before tax credits, based on 2026 CMS rate filings. The cheapest silver plan, the benchmark for subsidies, is $439.
How much does health insurance cost in Mercer County County?
For a 40-year-old non-smoker the cheapest plans in Mercer County start around $296 a month before subsidies. Silver plans cost from $439; premiums rise with age and tobacco use.
How many insurers offer marketplace plans in Mercer County County?
3 insurers filed 48 plan options for this county in the 2026 CMS file.