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How Does COBRA Insurance Work In North Dakota?

According to North Dakota’s own continuation of health insurance coverage law, those who qualify may choose to keep their group health insurance coverage following a qualifying event, such as losing their job or having their hours reduced. The eligible person must pay for the continued coverage, which is ordinarily available for up to 18 months, and it must be the same as the coverage offered by the employer before the qualifying event.

COBRA Eligibility

North Dakota Allows

COBRA Alternative:
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Continuing Health Insurance Coverage In North Dakota

Please choose:

No Pre-Existing Conditions
Term Medical Gap Coverage

Available in some states, as low as $44/month

Coverage For
Pre-Existing Conditions

$400 – 700/month per individual

Nearing Retirement Age

Learn about Medicare Advantage

North Dakota’s Mini-COBRA Law

North Dakota’s health insurance continuation law and the federal COBRA law both address the issue of continuation of health coverage for employees who lose their job or experience a reduction in work hours. However, there are some differences between the two laws.

North Dakota Code 26.1-36-23 applies to employers with less than 20 employees, while the federal COBRA law applies to employers with 20 or more employees. Under North Dakota law, employers are required to offer continuation of health insurance coverage for up to 12 months to employees who are terminated, laid off, or who experience a reduction in work hours. The employee is responsible for paying the full premium cost for the coverage, including any administrative fees.

In contrast, the federal COBRA law requires employers with 20 or more employees to offer continuation of health insurance coverage for up to 18 months to employees who experience a qualifying event, such as termination, reduction in work hours, or divorce. Employers are allowed to charge up to 102% of the cost of the coverage, which includes both the employer and employee contribution, along with an administrative fee. COBRA also provides additional options for extension of coverage, such as for disability or second qualifying events.

Source: North Dakota Code 26.1-36-23

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Apply For COBRA Health Insurance For Pre-Existing Conditions In North Dakota

As you consider your health insurance options, it’s important to know that COBRA insurance in North Dakota is a great option for those who need temporary coverage. With COBRA insurance, you’ll receive up to 18 months of continuous health care coverage. This allows you to keep your current health plan and maintain relationships with your current doctors as you transition between jobs or experience other changes in your life.

Apply For COBRA

Employer Has 20+ Employees

You may continue your most recent work health insurance for up to 18 months as an employee. Family members may access the plan for up to 36 months.

You sign up for COBRA with your former employer or their third party. The premium will be $400 – 700 / month, per insured person.

Marketplace / Obamacare

A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.

The average Affordable Care Act plan premium in North Dakota is $463/month per person in 2023, according to Kaiser Family Foundation.

View Affordable Care Act Plans

North Dakota Allows Accident-Only Insurance To Bridge A Gap

In the state of North Dakota, you are allowed to enroll in an accident-only major medical insurance plan during periods of transition to new employment.

Accident Only Insurance with Telehealth

Coverage begins as early as midnight tonight.

Pre-existing Conditions Do Not Exclude You From Accident Only Coverage

Plans start at $44/month.
Based on age and state availability

Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.

Includes Telehealth – Access to prescribing  doctors for common issues

Limited Indemnity with Telehealth

Includes Telehealth giving you access to prescribing doctors for common issues.

Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.

Coverage begins as early as midnight tonight.


After your workplace insurance ends, you’ll sign up for Medicare within 8 months.

In general, you can sign up for Part A and Part B starting three months before your 65th birthday and ending three months after your 65th birthday.

Learn more about Medicare deadlines and how Medicare Advantage plans can replace original Medicare at no cost to you.

COBRA Is Available In All 50 States

Employee continuation of health insurance coverage is not required in all states. When a state lacks laws governing the continuation of work-related medical benefits, the federal COBRA Act protects these rights. Find out more about your state.

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