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North Dakota health insurance alternatives: There's a few options provided by this state for residents seeking health coverage. One plan is the CHAND, Comprehensive Health Association of North Dakota. It provides insurance to HIPAA-eligible applicants who have been turned down for insurance elsewhere because of pre-existing condtions. There are also low-cost plans available for low-income families, such as Medicaid, Healthy Steps and the Caring Program for Children. Also in North Dakota there is the North Dakota Healthcare Association (NDHA). This organization works with the American Hospital Association to influence decisions on Medicare and Medicaid on the national level, especially for the people of North Dakota. They also work with the health insurance industry to help provide affordable insurance.
If you do not qualify for the low-cost/no-cost health insurance alternatives, you might have to consider a high-deductible/health plan. These are not cushy plans. If you have a health emergency, you will have to pay a high deductible before a coverage kicks in. Before you purchase one, you should try to set up a either a flexible spending account, a health savings account or a health reimbursement account so that you reap whatever tax benefits are available to you for footing the bill for your own insurance. The links are below.
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