According to State Exchange data aggregated by SteveMorse.org, a 40-year-old resident of East Grand Forks (Polk County) pays $199.59 monthly for a Gold plan, where the cheapest such plan costs $323.04 monthly in Grand Forks.
What’s more, the North Dakota “Gold” plan only pays 70% coinsurance, where the Minnesota plan covers everything after the deductible. Sure, the math for 100% after $2000 is subtly different than the math for 70% after $500, then 100% after $19500 in health costs, but on average, 80% paid out is 80% paid out, and the only real difference between the cost of such plans should be the costs over the entire risk pool. Unless someone has mathematical proof it’s 62% deadlier to be a North Dakotan, we’re getting hosed.
Another hosing: No North Dakota insurer offers a Platinum level plan, which would pay an average of 90% of healthcare costs. In Minnesota, the cheapest such plan would still cost less than a Bronze Plan (the 60% coverage tier) in North Dakota.