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North Dakota

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High-Risk Pools

  • The Comprehensive Health Association of North Dakota became operational in 1982. The pool is financed by assessments on accident and health insurers that write more than $100,000 in premium volume within the state. The premium cap is set at 135 percent of the individual premium rate charged for similar coverage throughout the state.  At the end of 2005, just over 1,730 persons receive coverage from the pool.

Limited-Benefit Plans

  • In 2001, the North Dakota legislature passed HB 1226, The Individual and Small Employer Health Insurance Act, which allows an insurance company to offer a basic health insurance policy to individuals and small businesses with 50 or fewer employees.