Health Sharing Plans in North Dakota (2026)
Health sharing is legal in North Dakota with no state-specific restrictions. 6 plans are currently vetted and available in ND.
This guide covers the legal status of health sharing in North Dakota, which plans are available to ND residents, 2026 pricing, and what North Dakota residents should consider before choosing health sharing over ACA marketplace coverage.
Is Health Sharing Legal in North Dakota?
Health sharing is legal in North Dakota with no state-specific restrictions.
North Dakota has no individual mandate.
Health Sharing Plans Available in North Dakota
6 plans are currently vetted and accepting new members in ND. Pricing shown is the starting individual monthly cost for 2026.
Zion HealthShare
No faith requirement
Zion HealthShare is a modern health sharing ministry founded in 2017, based in Denver, CO, with 50,000+ members. Monthly contributions start at $185 for individuals and $555 for families, with unlimited sharing cap and no faith requirement. Includes telehealth, prescriptions, maternity, mental health, preventive care, emergency, and surgery with a PPO network of 950,000+ providers.
CrowdHealth
No faith requirement
CrowdHealth is a healthcare crowdfunding platform (NOT health sharing or insurance) founded in 2021, headquartered in Austin, TX, with 17,000+ members. Uses peer-to-peer crowdfunding where members contribute to fund each other's medical bills. Monthly advocacy fee $60 plus variable crowdfunding costs (avg $140/mo for individuals under 55). No coverage caps, no faith requirement, any doctor, month-to-month flexibility.
CHM (Christian Healthcare Ministries)
Active Christian required
CHM (Christian Healthcare Ministries) is the most affordable health sharing ministry, founded in 1981, with 300,000+ members based in Barberton, OH. Monthly contributions start at $115 for individuals and $345 for families, with unlimited sharing cap and strict Christian faith requirement including church attendance. Covers maternity, preventive, emergency, and surgery with any doctor — no network.
Medi-Share
Christian faith required
Medi-Share is the largest health sharing ministry with 400,000+ members, founded in 1992 and based in Atlanta, GA. Monthly contributions range from $227 to $405 for individuals and up to $1,215 for families, with a sharing cap of $250,000. Requires Christian statement of faith, has 12-month waiting period for pre-existing conditions, and covers telehealth, maternity, preventive, emergency, and surgery.
Samaritan Ministries
Active Christian required
Samaritan Ministries is an established health sharing ministry founded in 1994, based in Lancaster, PA, with 230,000+ members. Monthly costs range from $220-$495 for individuals with unlimited sharing cap. Requires strict Christian faith and church attendance.
Sedera
No faith requirement
Sedera is a secular health sharing option founded in 2010, headquartered in Austin, TX, with 50,000+ members. Monthly contributions range from $199 to $379 for individuals and up to $1,137 for families, with unlimited sharing cap and no faith requirements. Covers telehealth, prescriptions, maternity, mental health, preventive, emergency, and surgery with flexible provider choice.
What North Dakota Residents Should Consider
Individual Mandate
North Dakota has no individual mandate.
Self-Employed and Freelancers
Self-employed individuals and freelancers often find health sharing significantly more affordable than ACA marketplace plans, especially outside of subsidy eligibility.
Not Insurance
Health sharing plans are not insurance and are not regulated by state insurance commissions. Members agree to share each other's eligible medical expenses — there is no guarantee of payment. Read the ministry guidelines carefully before enrolling.
Common Questions — North Dakota
Is health sharing legal in North Dakota?
Health sharing is legal in North Dakota with no state-specific restrictions.
Does North Dakota have an individual mandate?
North Dakota has no individual mandate.
Can I use health sharing instead of ACA insurance in North Dakota?
Yes, North Dakota residents can choose health sharing instead of ACA marketplace coverage. Health sharing plans are not insurance and do not fulfill ACA requirements, but unless your state has an individual mandate, there is no penalty for choosing health sharing. Compare your options carefully — ACA plans may be more affordable if you qualify for subsidies.
Find the Right Plan for North Dakota
Our 6-question quiz filters plans by state availability, faith requirement, and budget to show you the best fit.