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13 qualifying life events that trigger ACA special enrollment
Outside of open enrollment, a special enrollment period allows you to enroll in an ACA-compliant plan (on or off-exchange) if you experience a qualifying life event.

Latest News & Topics

Latest News & Topics


Finalized federal rule reduces total duration of short-term health plans to 4 months
A finalized federal rule will impose new nationwide duration limits on short-term limited duration insurance (STLDI) plans. The rule – which applies to plans sold or issued on or after September 1, 2024 – will limit STLDI plans to three-month terms, and to total duration – including renewals – of no more than four months.
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Who is eligible for Medicaid in North Dakota?

Because North Dakota has expanded Medicaid under the ACA, low-income adults are eligible for coverage even if they don’t have minor children. Medicaid is available to the following legally present North Dakota residents, contingent on immigration guidelines:

  • Adults with household income up to 138% of federal poverty level (income limits for various family sizes are here).
  • Children age 0 – 18 with household income up to 175% of poverty (depending on the child’s age and the household’s income, coverage will either be via Medicaid or CHIP, which is called Healthy Steps in North Dakota)
  • Pregnant women with household income up to 162% of poverty; postpartum coverage now continues for 12 months, instead of ending 60 days after the baby is born.

Enrollment in Medicaid and CHIP continues year-round; there’s no limited enrollment window. North Dakota updates Medicaid eligibility rules on April 1 each year, using the federal poverty level numbers that were published earlier that year, in mid-late January (for the first three months of the year, the prior year’s federal poverty level numbers are used).

Federal poverty level calculator

Apply for Medicaid in North Dakota

Online at or the North Dakota Department of Human Services website. You can also enroll by phone at 1-800-318-2596, or you can apply in person or by mail at your local County Social Services Office.

Eligibility: The aged, blind, and disabled. Also, adults are eligible with household incomes up to 138% of poverty, and pregnant women with incomes up to 147% of poverty. Children are eligible for Medicaid or CHIP with with household incomes up to 170% of poverty.

ACA’s Medicaid eligibility expansion in North Dakota

North Dakota opted to accept federal funding to expand Medicaid under the Affordable Care Act. Medicaid expansion was passed by the North Dakota Legislature and signed into law by former Governor Jack Dalrymple in April 2013. Dalrymple was generally opposed to the Affordable Care Act (ACA), but he was the fourth Republican Governor to throw support behind the expansion of Medicaid in early 2013. Enrollment began in October 2013, with coverage effective January 2014.

Medicaid expansion in North Dakota is managed by Blue Cross Blue Shield of North Dakota (this is as of 2022; prior to that, the managed care contract was with Sanford Health Plan).

The state has also considered the possibility of administering the program itself instead of using the managed care model (as it does for traditional Medicaid), but has not moved forward with this and the managed care model has been reauthorized through March 2024. However, 19- and 20-year-olds have been moved from the managed care Medicaid expansion population to traditional fee-for-service Medicaid in North Dakota.

The state has created a helpful brochure to answer questions and provide information about Medicaid expansion. If you have other questions, you can contact the North Dakota Department of Human Services at 855-794-7308.

  • 110,455 – Number of North Dakotans covered by Medicaid/CHIP as of January 20241
  • 40,475 – Increase in the number of North Dakotans covered by Medicaid/CHIP from late 2013 to January 20242
  • 54,472 – Number of ND residents disenrolled from Medicaid as of April 20243
  • 58% – Increase in total Medicaid/CHIP enrollment in North Dakota since late 20132

North Dakota has accepted federal Medicaid expansion. 110,455 - Number of North Dakotans covered by Medicaid/CHIP as of January 2024. 40,475 - Increase in the number of North Dakotans covered by Medicaid/CHIP from late 2013 to January 2024. 54,472 - Number of ND residents disenrolled from Medicaid as of April 2024. 58% - Increase in total Medicaid/CHIP enrollment in North Dakota since late 2013.


Explore our other comprehensive guides to coverage in North Dakota


Frequently asked questions about North Dakota Medicaid

Frequently asked questions about North Dakota Medicaid

How do I enroll in Medicaid in North Dakota?

Medicaid enrollment is year-round; you do not need to wait for an open enrollment period to apply for Medicaid.

  • North Dakota uses the federal health insurance marketplace, so you can enroll through or use their call center at 1-800-318-2596 (only use this option if you are under 65 and don’t have Medicare)
  • You can use the North Dakota Department of Human Services website to enroll online directly through the state.
  • You can print a paper application and submit it to your local County Social Services Office.
  • You can call or visit your Human Services Zone office (click on your county to see contact information) for in-person or phone assistance with enrollment.

How does Medicaid provide financial assistance to Medicare beneficiaries in North Dakota?

Many Medicare beneficiaries receive Medicaid’s help with paying for Medicare premiums, affording prescription drug costs, and covering expenses not reimbursed by Medicare – such as long-term care.

Our guide to financial assistance for Medicare enrollees in North Dakota includes overviews of these benefits, including Medicare Savings Programs, long-term care coverage, and eligibility guidelines for assistance.

How is North Dakota handling Medicaid renewals after the pandemic?

Throughout the COVID pandemic, the Families First Coronavirus Response Act provided states with additional federal Medicaid funding, but also prevented states from disenrolling anyone from Medicaid. But the continuous coverage requirement ended March 31, 2023, allowing states to begin disenrolling people who are no longer eligible for Medicaid. This will be an ongoing process that lasts for up to 14 months, so some people will not receive eligibility redetermination packets for several months.

North Dakota began the process of redetermining enrollees’ eligibility in April 2023, with the first round of disenrollments coming at the end of May (people who were no longer eligible as well as those who failed to complete their renewal packets). So June 2023 was the first month that total North Dakota Medicaid enrollment dropped, with enrollment declining by about 4,000 people.

North Dakota’s Medicaid partnered with a communications firm to provide outreach and information about the return to regular eligibility renewals. The state Department of Health and Human Services also has a webpage with information for enrollees about what to expect during the unwinding of the continuous coverage rules.

Enrollees need to make sure that their contact information is updated with the state Medicaid office, and watch their mail for any renewal information. If a renewal packet is sent to them requesting more information, they need to reply promptly, as coverage cannot be renewed if the state cannot verify that the person is still eligible for Medicaid.

People who lose Medicaid will need to transition to other health coverage. Many will be eligible for an employer’s plan, and some will be eligible for Medicare. But for those who need to obtain their own replacement coverage, is offering an extended enrollment opportunity, from March 31, 2023 through July 31, 2024, for anyone who loses Medicaid at any time during that window. To avoid a gap in coverage, however, it’s important to sign up for a new plan before the Medicaid coverage ends.

Legislation impacting North Dakota Medicaid

Legislation impacting North Dakota Medicaid

Legislation to extend Medicaid expansion

Medicaid expansion in North Dakota was scheduled to expire at the end of July 2017, based on the initial legislation that state lawmakers passed in 2013. But the state enacted legislation (H.B.1012) in 2017 that extended the program through July 2019, and enacted additional legislation (S.B.2012) in 2019 that extended Medicaid expansion through July 2021. North Dakota enacted legislation (H.B.1012) in 2021 that reauthorized Medicaid expansion through June 2023.

North Dakota Governor Doug Burgum does not support the ACA, but clarified in November 2016 that he would be open to the possibility of extending Medicaid expansion in North Dakota temporarily, although his hope was that a new solution would be devised at the federal level. In late 2017, Burgum and 19 other Republican governors wrote a letter to Congress, urging lawmakers to repeal the ACA. At that point, the replacement bill under consideration (the American Health Care Act, or AHCA) would have resulted in significant federal funding cuts for Medicaid expansion.

Burgum’s first budget proposal, which was unveiled in mid-January 2017, called for continued funding for Medicaid expansion in North Dakota. Democratic-NPL leaders in North Dakota expressed support for Burgum’s inclusion of Medicaid expansion funding in the budget proposal. And, lawmakers have continued to renew the state’s Medicaid expansion.

Medicaid expansion benefits provided by Blue Cross Blue Shield of North Dakota as of 2022

North Dakota allowed private carriers to bid for the job of using federal Medicaid funds to provide health coverage to the newly eligible population. Two carriers — Sanford Health Plan and Blue Cross Blue Shield of North Dakota — placed bids, and Sanford was initially awarded the state contract. But the contract switched to Blue Cross Blue Shield of North Dakota as of 2022.

Residents apply for and enroll in Medicaid expansion coverage through the state; BCBSND does not determine eligibility. Once approved for Medicaid, enrollees can contact BCBSND with questions and use the member portal to learn about benefits, get paid for completing a health assessment, and get in touch with a customer service representative.

North Dakota Medicaid enrollment numbers

From the fall of 2013 to early 2023, total Medicaid and CHIP enrollment in North Dakota increased by 90%, from 69,980 to 133,311 enrollees.

The increase was primarily due to Medicaid expansion and the COVID pandemic. During the pandemic, states received additional federal Medicaid funding, but were not allowed to disenroll anyone from Medicaid. But starting in April 2023, states resumed regular Medicaid eligibility redeterminations, disenrolling people who are not eligible. In North Dakota, the first round of disenrollments came at the end of May 2023, and the state will process eligibility redeterminations for all enrollees over a year-long period. After the first month’s disenrollments in North Dakota, total Medicaid enrollment dropped by about 4,000 people.

Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for


  1. January 2024 Medicaid & CHIP Enrollment Data Highlights”,, Accessed May 2024  
  2. Total Monthly Medicaid & CHIP Enrollment and Pre-ACA Enrollment”,, Accessed May 2024  
  3. Medicaid Renewals Dashboard“, North Dakota Health and Human Services, Accessed May 2024