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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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ND agents/brokers certified to sell health insurance on the federal Marketplace


For Marketplace assistance, customer service representatives are available by calling 1-800-318-2596 and hearing-impaired callers using TTY/TDD technology can dial 1-855-889-4325 for assistance. Small businesses can call 1-800-706-7893 for federal Marketplace assistance. For assistance navigating the Marketplace or determining eligibility for subsidies and other programs in North Dakota, contact a navigator:
Great Plains Tribal Chairmen's Health Board (GPTCHB)
Tinka Duran
Minot State’s Center for Persons with Disabilities
Neil Scharpe
Minot State University
500 University Avenue West
Minot, ND 58707
(800) 233-1737 or (701) 858-3596

5/2/2014: Hamm extends renewal of cancelled health insurance policies

11/21/2013: Hamm asks companies to renew cancelled health insurance policies

11/8/2013: Insurance Department releases federal Marketplace enrollment numbers

9/30/2013: Hamm urges consumers to be cautious as health insurance changes begin

3/25/2013: NDID releases follow-up comment on Market Rules

3/18/2013: NDID releases comments on Essential Health Benefit and Market Rules

2/20/2013: Federal government suspending enrollment in Pre-existing Condition Insurance Plan (PCIP)

10/1/2012: NDID statement on Essential Health Benefits benchmark plan (see details below)

7/10/2012: HHS issues final determination on North Dakota's external review process

7/3/2012: HHS' response to Commissioner Hamm's March 1 request for benchmark plan deadline extension

3/15/2012: The Health Law And The Supreme Court: A Primer For The Upcoming Oral Arguments via Kaiser Health News

3/1/2012: Commissioner Hamm requests deadline extension for determining North Dakota's benchmark plan

12/30/2011: HHS finds North Dakota's external review process meets temporarily allowed process

12/2/2011: Exchange research consultant HTMS issues final report

7/1/2011: HHS deems North Dakota's rate review process effective in all markets

3/18/11: Click here to see North Dakota's medical loss ratio adjustment application

4/30/10: Hamm: North Dakota elects not to participate at this time in federal government's new temporary high risk health insurance pool

4/7/10: Hamm urges consumers to use caution amid new health care reform scheme


Benchmark plan (Excel file)

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.

Sanford ND 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.

Kaiser Family Foundation implementation timeline
The implementation timeline allows you to show or hide all the changes occurring in a year by clicking on that year. Click on a provision to get more information about it. Customize the timeline by checking and unchecking specific topics.
PPACA implementation timeline

Kaiser Family Foundation implementation timeline

Consumer Reports Health Law Helper

North Dakota Insurance Department
600 E. Boulevard Ave.
Bismarck, ND 58505-0320
Phone 701.328.2440
Toll free 800.247.0560
Fax 701.328.4880

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