The new healthcare premium data is out, and Blue Cross Blue Shield is raising rates on North Dakotans by 12-15% [based on Grand Forks County premiums]. Sanford is up by about 7%. Medica’s plans are holding much steadier with 3% and -0.6% changes.
Most people using the healthcare exchanges receive subsidies. For the median North Dakotan, age 36, the subsidy level is determined by the second-cheapest Silver plan offered for 2015, about $296.17 monthly. If that’s more than 8% of your monthly income, Uncle Sam will chip in to bring it down to a fair rate. If you haven’t got insurance yet, or want to switch your plans, HealthCare.gov is the place to go.