Medicare Advantage plans in North Dakota for 2027
No HMO anywhere in the state, a third of the open plans built on the older cost-plan model, and one regional insurer behind most of the list.
Cass, North Dakota: plans open to everyone on Parts A and B
14 plans
3 with a $0 premium and drug coverage · out-of-pocket limits $3,900 to $7,150 · best rating 4.5★ · 8 plan IDs of 2026 not renewed here
14 plans shown · monthly premium = Part C + Part D, before your Part B premium · stars: 2027 ratings published October 8, 2026
| Plan | Premium | Drug deductible | Max out of pocket | Stars |
|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO)UnitedHealthcare · PPO · H2001-124-0 | $0 | no drugs | $5,900 | 4.5★ |
| Aetna Medicare Elite (PPO)Aetna Medicare · PPO · H9431-014-0 | $0 | $500 | $5,900 | 2.5★ |
| Aetna Medicare Signature Classic Extra (PPO)Aetna Medicare · PPO · H1608-081-0 | $0 | $400 | $7,150 | 4.0★ |
| Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO · H5521-759-0 | $0 | $400 | $7,150 | 4.0★ |
| AARP Medicare Advantage from UHC FG-0001 (PPO)UnitedHealthcare · PPO · H2001-118-0 · was $41.50 in 2026 | $24.60 | $700 | $7,150 | 4.5★ |
| AARP Medicare Advantage from UHC FG-0002 (PPO)UnitedHealthcare · PPO · H2001-119-0 · was $38 in 2026 | $52 | $685 | $7,150 | 4.5★ |
| Medica Prime Solution Thrift (Cost)Medica · Cost · H2450-030-0 · was $49 in 2026 | $53 | no drugs | $7,150 | 3.0★ |
| Align SecureChoice (PPO)Align powered by Sanford Health Plan · PPO · H8385-005-0 | $60 | $500 | $7,150 | 4.0★ |
| Medica Prime Solution Thrift w/Rx (Cost)Medica · Cost · H2450-007-0 · was $92.80 in 2026 | $91 | $700 | $7,150 | 3.0★ |
| Align SecureChoice Gold (PPO)Align powered by Sanford Health Plan · PPO · H8385-006-0 | $100 | $350 | $6,500 | 4.0★ |
| Medica Prime Solution Core (Cost)Medica · Cost · H2450-034-0 · was $98 in 2026 | $103 | no drugs | $4,900 | 3.0★ |
| Medica Prime Solution Premier (Cost)Medica · Cost · H2450-036-0 · was $217 in 2026 | $227 | no drugs | $3,900 | 3.0★ |
| Medica Prime Solution Standard (Cost)Medica · Cost · H2450-044-0 | n/a | no drugs | $7,150 | 3.0★ |
| Medica Prime Solution Standard w/Rx (Cost)Medica · Cost · H2450-049-0 | n/a | $500 | $7,150 | 3.0★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
North Dakota's 2027 Medicare Advantage list looks unlike almost any other state's. Of the 18 plans open to anyone with Parts A and B, 12 are PPOs, 6 are Medicare cost plans, and none is an HMO. Medica Holding Company files 10 of them, including every cost plan. Only 3 drug-covering plans charge a $0 premium, and the cap on in-network spending sits at $7,150 for most plans, with the lowest at $3,300. The eastern counties along the Red River, Cass among them, carry 14 plans; Ward, Stark and Williams in the west have 6. 10 plans rate four stars or more, the best 4.5. 5 special needs plans exist, 2 of them for people with Medicaid. Below, the county table lists every plan, and 9 stand-alone drug plans are shown for people on Original Medicare or on a cost plan without drugs.
How a North Dakota cost plan works
The 6 cost plans in the state's 2027 file are Medica's Prime Solution plans, and they behave differently from the PPOs next to them. Under federal rules a cost plan must disclose that members may receive services through any Medicare provider and supplier (42 CFR 417.436). It must hold open enrollment for at least 30 consecutive days each contract year (42 CFR 417.426), and it may enroll someone who has Part B without Part A (42 CFR 417.422). For a farmer two hours from Fargo who sometimes sees a doctor across the Minnesota line, that design is the appeal.
With drugs or without
Some Prime Solution plans include Part D, marked "w/Rx" in the name, and some do not. A member of a cost plan without drugs can pair it with one of the stand-alone drug plans sold in the state. The calculator estimates the pharmacy bill under the 2027 standard benefit.
Your 2027 pharmacy bill under the standard benefit
You pay in 2027
$1,575
| Deductible | $700 |
| Coinsurance | $875 |
| Cap reached | no |
Paying more for a lower ceiling
The lowest in-network cap in the state, $3,300, comes with Medica Advantage Preferred (PPO) at $181 a month, which is also the top premium filed here. At the other end, AARP Medicare Advantage Patriot No Rx FG-MA01 (PPO) charges $0 and holds 4.5 stars with a $5,900 cap. Between those two sits most of the market, and the difference in a year with surgery can exceed the whole premium gap.
Red River Valley versus the oil patch
Cass, McLean, Ransom, Traill, Walsh and several neighbors each have 14 open plans. Burleigh, around Bismarck, has 12. Toward the west and the Canadian border, Adams, Benson, Billings, Bottineau and others drop to 6. CVS Health Corporation files 3, UnitedHealth Group, Inc. files 3, Sanford Health files 2. North Dakota had 23 open plans in 2026; Cass County alone lost 8 plan IDs, so check the county page if your plan does not appear.
Every county of North Dakota, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Adams | 6 | 0 | $3,900 | 0 | -5 |
| Barnes | 13 | 3 | $3,900 | 6 | -6 |
| Benson | 6 | 0 | $3,900 | 0 | -9 |
| Billings | 6 | 0 | $3,900 | 0 | -5 |
| Bottineau | 6 | 0 | $3,900 | 0 | -5 |
| Bowman | 6 | 0 | $3,900 | 0 | -5 |
| Burke | 6 | 0 | $3,900 | 0 | -5 |
| Burleigh | 12 | 3 | $3,300 | 10 | -3 |
| Cass | 14 | 3 | $3,900 | 7 | -5 |
| Cavalier | 6 | 0 | $3,900 | 0 | -5 |
| Dickey | 9 | 3 | $3,900 | 2 | -4 |
| Divide | 6 | 0 | $3,900 | 0 | -5 |
| Dunn | 6 | 0 | $3,900 | 0 | -5 |
| Eddy | 9 | 3 | $3,900 | 2 | -4 |
| Emmons | 9 | 3 | $3,900 | 2 | -4 |
| Foster | 9 | 3 | $3,900 | 2 | -4 |
| Golden Valley | 6 | 0 | $3,900 | 0 | -5 |
| Grand Forks | 9 | 3 | $3,300 | 7 | -6 |
| Grant | 9 | 3 | $3,900 | 2 | -4 |
| Griggs | 11 | 3 | $3,900 | 4 | -4 |
| Hettinger | 6 | 0 | $3,900 | 0 | -5 |
| Kidder | 12 | 3 | $3,900 | 5 | -5 |
| LaMoure | 9 | 3 | $3,900 | 2 | -4 |
| Logan | 9 | 3 | $3,900 | 2 | -4 |
| McHenry | 9 | 0 | $3,900 | 3 | -6 |
| McIntosh | 9 | 3 | $3,900 | 2 | -4 |
| McKenzie | 6 | 0 | $3,900 | 0 | -5 |
| McLean | 14 | 3 | $3,900 | 7 | -5 |
| Mercer | 11 | 3 | $3,900 | 4 | -8 |
| Morton | 9 | 3 | $3,300 | 7 | -6 |
| Mountrail | 6 | 0 | $3,900 | 0 | -9 |
| Nelson | 11 | 3 | $3,900 | 4 | -4 |
| Oliver | 11 | 3 | $3,900 | 4 | -8 |
| Pembina | 9 | 0 | $3,900 | 3 | -6 |
| Pierce | 6 | 0 | $3,900 | 0 | -5 |
| Ramsey | 8 | 0 | $3,900 | 2 | -9 |
| Ransom | 14 | 3 | $3,900 | 7 | -5 |
| Renville | 6 | 0 | $3,900 | 0 | -5 |
| Richland | 11 | 3 | $3,900 | 4 | -8 |
| Rolette | 6 | 0 | $3,900 | 0 | -5 |
| Sargent | 9 | 3 | $3,900 | 2 | -4 |
| Sheridan | 9 | 3 | $3,900 | 2 | -4 |
| Sioux | 9 | 3 | $3,900 | 2 | -4 |
| Slope | 6 | 0 | $3,900 | 0 | -5 |
| Stark | 6 | 0 | $3,900 | 0 | -5 |
| Steele | 11 | 3 | $3,900 | 4 | -4 |
| Stutsman | 12 | 3 | $3,300 | 10 | -3 |
| Towner | 6 | 0 | $3,900 | 0 | -5 |
| Traill | 14 | 3 | $3,900 | 7 | -5 |
| Walsh | 14 | 3 | $3,900 | 7 | -5 |
| Ward | 6 | 0 | $3,900 | 0 | -5 |
| Wells | 9 | 3 | $3,900 | 2 | -4 |
| Williams | 6 | 0 | $3,900 | 0 | -5 |
Stand-alone Part D plans in North Dakota
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-158-0 | $5.30 | $5.30 | $700 | $9.60 | 3.0 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-370-0 · Extra Help benchmark | $10.30 | $0 | $700 | $5.30 | 3.0 |
| Wellcare Classic (PDP)Wellcare · S4802-089-0 · Extra Help benchmark | $16.30 | $0 | $700 | $12.70 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-145-0 · Extra Help benchmark | $18.30 | $0 | $700 | $4.70 | 4.5 |
| Humana Value Rx Plan (PDP)Humana · S5884-204-0 | $33.30 | $18.50 | $687 | $20.80 | 4.5 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-043-0 | $117.10 | $92.50 | $700 | new | 2.5 |
| Humana Premier Rx Plan (PDP)Humana · S5884-171-0 | $123 | $98.40 | $350 | $103.70 | 4.5 |
| MedicareBlue Rx Standard (PDP)MedicareBlue Rx · S5743-001-0 | $179.10 | $154.50 | $700 | $101 | 3.0 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-406-0 | $222.90 | $198.30 | $300 | $140.20 | 3.0 |