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Compare private PPO, HMO, and ACA Marketplace health insurance plans in Horace, ND. Coverage available year-round — free guidance from a licensed local agent.
Horace is a community of ~3,100 people in Cass County, North Dakota. Horace's Cass County growing Fargo suburb creates a residential market comparing employer plans from major Fargo area employers with individual North Dakota ACA marketplace options.
Before you choose a plan, it helps to understand how health insurance works in this area — including which carriers are active, what the local provider networks look like, and how North Dakota's insurance market affects your options.
As an independent licensed agency, CoverPath works with all major carriers to help Horace residents find the right coverage. We represent you — not the insurance company. Our consultations are always free.
Horace
City
Cass County
County
~3,100
Population
34
Median Age
North Dakota did not expand Medicaid but has relatively low uninsured rates due to high employment from oil, agriculture, and military. The ACA marketplace covers 35,000+ North Dakotans. Medicare covers 130,000+ residents. The Bakken oil boom and Prairie State military bases create unique employment-based coverage patterns.
Answer a few quick questions and get a personalized recommendation — or book a free call with a licensed agent who knows the Cass County market.
Horace residents in Cass County have access to plans from Blue Cross Blue Shield, UnitedHealthcare, Ambetter, Cigna, Oscar Health, and Molina Healthcare through the ACA Marketplace and as off-marketplace private plans. Plan availability varies by ZIP code within the county. A licensed ND agent can show you every plan available at your address at no cost.
Health insurance premiums in Horace depend on your age, plan type, and whether you qualify for ACA subsidies. Many Horace residents who qualify for premium tax credits pay $0–$100/month for a Silver plan. Without subsidies, individual premiums typically range from $300–$700/month depending on age and plan tier. A licensed ND agent will calculate your exact subsidy amount for free.
Outside of the ACA Open Enrollment Period (November 1–January 15), you can still get coverage if you have a qualifying life event — such as losing a job, getting married, having a baby, or losing other coverage. This triggers a 60-day Special Enrollment Period. A licensed ND agent can confirm whether you qualify and help you enroll quickly.