Medicare Advantage Plans in North Dakota 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
North Dakota has one of the lowest Medicare Advantage penetration rates in the country. Fargo, Bismarck, and Grand Forks have modest plan availability. Most of rural North Dakota has very few options, and some counties have no Advantage plans at all.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in North Dakota.
Rural Coverage Note
Parts of North Dakota have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a North Dakota Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in North Dakota
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in North Dakota
Medigap is a common choice in North Dakota. The state's rural geography and limited MA plan market mean many beneficiaries rely on Medigap to get predictable coverage while retaining the ability to see any Medicare provider.