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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.
HHS issued a final rule on EHB in February 2013.
The North Dakota Insurance Department will continue to review and provide prior approval to most health insurance policy forms and premium rates sold in the state.

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