What types of health insurance are available?

In North Dakota, there are several different types of health insurance plans that are available to residents. The most common types are employer-sponsored plans, individual plans, and government-sponsored programs. Employer-sponsored plans are provided by an employer and typically cover a wide range of medical services. Employees and their families usually receive coverage for hospital care, doctor visits, emergency care, and more. These plans are typically the most comprehensive and usually require the employee to pay a portion of the premiums. Individual plans are purchased by the person and provide the same types of coverage as employer-sponsored plans, but may not include as many services. This type of plan can be expensive and premiums vary widely based on the coverage selected. Finally, government sponsored programs such as Medicaid, CHIP, and Medicare are options for those who qualify. Medicaid and CHIP provide health care coverage for low-income individuals, while Medicare is available to those who are 65 years of age or older. Overall, North Dakota residents have a variety of health insurance options available to them. Employer-sponsored plans, individual plans, and government-sponsored programs all provide coverage for medical services and can help people stay healthy and avoid high medical bills.

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