Health Insurance

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North Dakota Health Insurance Risk Pool

North Dakota CHAND Website

Plans

  • Option 1 - $1,000 deductible with 20% coinsurance and $3,000 maximum out-of-pocket expense includes deductible
  • Option 2 - $500 deductible with 20% coinsurance and $3,000 maximum out-of-pocket expense expense includes deductible


Standard Eligibility

  • North Dakota resident for 183 days or more
  • Denied health care insurance coverage for health reasons, or
  • Offered coverage with substantially restrictive conditions, or
  • Offered coverage at a rate exceeding the CHAND rate, or
  • Diagnosed with a CHAND qualifying condition
  • Ineligible for North Dakota's medical assistance program


HIPAA Eligibility

  • Uninsured North Dakota resident
  • Prior group health insurance coverage for a minimum of 18 months and
  • Applied for CHAND within 63 days of the termination of prior coverage and
  • Exhausted COBRA coverage is available
  • Ineligible for coverage under Medicare or Medicaid
  • Ineligible for coverage under the medical assistance program of North Dakota


TAARA Eligibility

  • North Dakota resident
  • Ineligible for Federal Trade Adjustment Assistance
  • Prior insurance coverage of at least three months and
  • Applied for CHAND within 63 days of the termination of prior coverage and


Contact

Comprehensive Health Association of North Dakota
4510 13th Avenue S.
Fargo, North Dakota 58121-0001
(701)277-2271

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