500 University Avenue West, Minot, ND
800-233-1737

North Dakota Navigator

Health Insurance Information:
Roadmap to Better Care
The Value of Health Insurance

Healthcare Insurance Marketplace Resources
Healthcare.Gov (Health Insurance Marketplace)
Marketplace Application Checklist
Special Enrollment Periods

Medicaid/CHIP Resources
www.ApplyForHelp.ND.Gov (ND Medicaid)

Native American/Alaskan Native
Healthcare off the Reservation
10 Important Facts about IHS and Health Insurance

ND Navigator Information
Printable Brochure
ND Navigators Regional map
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Agencies can email cheryl.coyle@minotstateu.edu to set up outreach or enrollment events.

DO YOU NEED HEALTH COVERAGE? OPEN ENROLLMENT BEGINS NOVEMBER 1!

Open enrollment is a time when everyone can apply for coverage on the Health Insurance Marketplace. For plan coverage starting January 1, 2023, you should complete your enrollment by December 15, 2022. Open enrollment continues through January 15, 2023, for plan coverage starting February 1, 2023.

Having health insurance coverage lets you visit the doctor without worrying about paying expensive medical bills. All Marketplace plans include preventative care such as annual checkups with your doctor, age-based screenings, certain vaccines, mental health services, and more.

For more information about affordable healthcare plans or to request enrollment assistance, contact one of our local ND Navigators at 1-800-233-1737 or 701-858-3580. You may also send an email to NDNavigators@MinotStateU.edu or complete our Contact Form to connect with a Navigator in your region.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace, or just Marketplace, can be found at: healthcare.gov. The Marketplace lets you compare health insurance plan options from various companies and complete an application for healthcare coverage. Most people use the Marketplace when they don’t have coverage through a job or the plan their company offers is too expensive.

You may be able to apply if you are a/an:

  • unemployed or part-time employee,
  • nonprofit employee,
  • self-employed,
  • contractor,
  • bartender/server
  • gig worker,
  • artist,
  • or otherwise without affordable health benefits.

Members of enrolled Native American tribes can get coverage and still maintain use of Indian Health Services (IHS). Some families may qualify for zero or low-cost-share plans as well as year-round enrollment options. Members living outside an IHS coverage area may consider a Marketplace plan to gain access to additional care closer to home.

What is the enrollment process?

When you apply for a plan on the Marketplace, you will need to enter your household income. If your income is low enough, you may qualify for Medicaid. If it’s higher, you will be shown available Marketplace plans. Your income data will determine how much you could get in Premium Tax Credits (PTCs). These tax credits make the monthly cost of a health insurance plan (your Premium) more affordable.

To see what you may qualify for, try our income calculator below.

What if I qualify for Medicaid?

North Dakota Medicaid is a program to help pay healthcare costs for eligible individuals and families. Details for the ND Medicaid program can be found here: (www.applyforhelp.nd.gov). ND Navigators can assist with the Medicaid enrollment application. Sometimes only part of your household qualifies for Medicaid. If this happens, the other members of your household may still qualify to enroll in a separate Marketplace plan. Our team can talk you through the options to help decide what works best for you.

Throughout the COVID-19 public health emergency, some households got coverage through Medicaid. They may still have this coverage even if income and households have changed. ND Medicaid will begin sending information to Medicaid enrollees to update account information and send renewals. Log in to your account to update your contact information. This way, you will receive important updates about coverage updates and Medicaid plan renewal information.

Contact the ND Medicaid office at 1-844-854-4825 if you have questions or are not sure how to update your contact information online. You can also call a ND Navigator for questions about health insurance, including Medicaid.

What is a Children’s Health Insurance Plan (CHIP)?

CHIP is for children under age 18 who do not have health insurance coverage. The household income levels are higher for CHIP than for Medicaid. Income guidelines can be found here: www.nd.gov/dhs/services/medicalserv/chip. CHIP is intended to meet the needs of working families, who cannot afford health insurance coverage for their children, yet earn too much to qualify for Medicaid. Coverage is available for uninsured children age 18 and younger who live in families with qualifying incomes. Single 18-year-olds with eligible incomes may also apply.

What is a Special Enrollment Period?

After Open Enrollment, you can still enroll in coverage if you have a qualifying life change that will give you a special enrollment period (SEP). These changes include things like the birth or adoption of a child, losing your job-based coverage, moving to a new coverage area, or getting married. If your household is considered low-income (below 150% federal poverty level), you may enroll in Medicaid or the Marketplace at any time of year.

ND Health Insurance Navigators are here year-round to answer questions and provide enrollment assistance for the Marketplace, Medicaid, or CHIP. If you don’t have affordable health insurance coverage, contact us, and we can review your options.

Looking for Medicare? (Usually for individuals age 65 and older)

For assistance with Medicare, including questions and concerns about Medicare fraud, visit the Senior Medicare Patrol. This is another grant program located at the ND Center for Persons with Disabilities on the Minot State University campus.

For more information about affordable health insurance plans or to request enrollment assistance, contact one of our local ND Navigators at 1-800-233-1737 or 701-858-3580. You may also send an email to NDNavigators@MinotStateU.edu or complete our Contact Form to be connected to a Navigator in your region.

Where are we located?

We are located at the North Dakota Center for Persons with Disabilities at Minot State University.

Minot State University
Memorial Hall 203
500 University Avenue West
Minot, ND 58707
1-800-233-1737

North Dakota Navigator Staff

North Dakota Navigators Banner

This grant is supported by the Centers for Medicare and Medicaid Services (CMS) of the U.S. Department of Health and Human Services (HHS) as part of a financial assistance award totaling $1,049,472 with 100 percent funded by CMS/HHS. The contents are those of the author(s) and do not necessarily represent the official views of, nor an endorsement, by CMS/HHS or the U.S. Government.