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Home : Consumers : Health care reform
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Health care reform
The Patient Protection and Affordable Care Act (PPACA) was signed into law on March 23, 2010. Learn how the health care reform law is impacting consumers and businesses.
If you have a question that is not answered here, please contact us at 1.800.247.0560 or insurance@nd.gov.
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Essential Health Benefits
The following links include all documents submitted by North Dakota for its Essential Health Benefits (EHB) benchmark health plan submission sent to U.S. Department of Health and Human Services (HHS) Secretary Sebelius on Sept. 28, 2012. The information provided in these documents represents general benefit information included in the Sanford Health Plan, which was the recommended benchmark plan.
Benchmark plan (Excel file)
Sanford policy
Sanford summary of coverage
CHIP vision plan
CHIP dental plan
Drug formulary (Excel file)
North Dakota also supplemented this plan with the North Dakota Children's Health Insurance Plan's (CHIP) pediatric and dental benefits.
Additionally, because HHS has not issued a final rule on EHB or how the benchmark choices made by states might be applied to plans after 2014, the Insurance Department cannot guarantee how the current benefits set forth in this plan will be applied to other plans or how any suggested substitutions will be treated. HHS has stated the state choices will be announced in proposed rule form and will be open for comment prior to the Secretary making the final decision for each state. No specific timelines have been provided for this process.
The North Dakota Insurance Department will continue to review and provide prior approval to any health insurance policy forms or premium rates sold in the state.
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