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HomeMedicare SupplementNorth DakotaMedigap in North Dakota for 2027: 24 Insurers and the Plans They Sell

Medicare Supplement

Medigap in North Dakota for 2027: 24 Insurers and the Plans They Sell

FARGO, N.D. — As North Dakotans sort through Medicare choices for 2027, Medicare Supplement insurance — better known as Medigap — remains one of the main ways to pair with Original Medicare. A search of Medicare.gov's Medigap policy finder for ZIP code 58103 returns 24 insurers offering some mix of the federally standardized plan letters A, B, C, D, F, F-HD, G, G-HD, K, L and N.

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Key takeaways

  • Medicare.gov's Medigap policy search for ZIP code 58103 lists 24 insurers in North Dakota, offering plan letters A, B, C, D, F, F-HD, G, G-HD, K, L and N.
  • Your personal six-month Medigap Open Enrollment Period begins when you are 65 or older and enrolled in Part B, and during it insurers cannot use medical underwriting.
  • CMS Landscape files show 11 Medicare Advantage plans offered in North Dakota in 2026 are not returning in 2027, and affected members get a federal guaranteed-issue right to buy certain Medigap plans.
  • Medigap does not include prescription drug coverage, so a stand‑alone Part D plan is chosen separately during Annual Enrollment, which runs October 15 – December 7, 2026 for coverage starting January 1, 2027.
Medicare SupplementNorth Dakota
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·9 min read·✓ Reviewed
Key facts: Medicare in North Dakota
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap and how is it different from Medicare Advantage in North Dakota?

Medigap is private insurance that helps pay some of the out-of-pocket costs — like coinsurance and deductibles — that Original Medicare (Parts A and B) leaves to you. It works alongside Original Medicare, not instead of it. Medicare Advantage (Part C), by contrast, is an alternative way to get your Part A and Part B benefits through a private plan, usually with its own network and rules.

You cannot be enrolled in both a Medicare Advantage plan and a Medigap policy at the same time. Medigap also does not include Part D prescription drug coverage; that is a separate decision.

Which insurers and plan letters does Medicare.gov list for North Dakota in 2027?

For ZIP code 58103, Medicare.gov's Medigap policy search lists 24 insurers. What any one person is offered can vary by ZIP code and by age, sex and tobacco use, and plan details come from each insurer's own documents.

The insurers and the standardized plan letters shown for each are:

Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.

When is my six-month Medigap Open Enrollment Period in North Dakota, and why does it matter?

Your personal Medigap Open Enrollment Period is a one-time, six-month window that starts the month you are both 65 or older and enrolled in Medicare Part B. During that window, an insurer selling Medigap in North Dakota must sell you any policy it offers, cannot turn you down for health reasons, and cannot charge you more because of your health history.

Outside that window, insurers in most situations can use medical underwriting, which may affect whether you can switch policies later. That is why the six-month window carries so much weight.

What happens to my Medigap options in North Dakota if my Medicare Advantage plan is not returning in 2027?

According to the CMS Landscape files, 11 Medicare Advantage plans offered somewhere in North Dakota in 2026 are not being offered anywhere in the state in 2027. If you are enrolled in one of those non-renewing plans, you have a federal guaranteed-issue right to buy certain Medigap policies without medical underwriting.

Guaranteed-issue rights also apply in other specific situations — for example, if you move out of a plan's service area or lose other qualifying coverage. Medicare.gov lists which Medigap plans you can buy under each guaranteed-issue right and the time limits that apply.

Why do North Dakotans need a separate Part D plan with Medigap?

Medigap policies sold today do not include prescription drug coverage, so if you want help paying for medications, you choose a stand‑alone Medicare Part D plan separately. The Annual Enrollment Period for 2027 runs October 15 – December 7, 2026, and choices made in that window take effect January 1, 2027.

For 2027, the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), the most any Part D plan may charge as a deductible is $700, and the Part D base beneficiary premium used in the late-enrollment penalty calculation is $41.33. Actual plan premiums are set plan by plan.

How should I compare Medigap policies in North Dakota for 2027?

Start by comparing the same plan letter across insurers, because benefits inside a given letter are standardized by federal rule. From there, the main differences are price, customer service, how the insurer raises rates over time, and whether discounts (for example, household discounts) are available.

The Medigap policy search at Medicare.gov lets you enter your ZIP code and see every insurer listed for your area along with each plan letter they sell. The Social Security Administration also announced on October 14, 2026 a 3.6 percent cost‑of‑living adjustment for Social Security benefits payable beginning January 2027, which some readers factor into their household budgeting.

Where can North Dakotans get free help with Medigap and Medicare questions?

Free, official help is available from Medicare itself. You can call 1-800-MEDICARE (1-800-633-4227), which is open 24 hours a day, 7 days a week, or use the plan finder and Medigap search tools at Medicare.gov. These are the places to confirm current plan details, premiums and your personal eligibility.

By the numbers

Medicare Part B premium, 2006–2026

The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

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October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

Can an insurer in North Dakota turn me down for a Medigap policy because of my health?
During your six-month Medigap Open Enrollment Period — which starts when you are 65 or older and enrolled in Part B — insurers listed for your area cannot deny you a policy, charge you more, or make you wait for coverage because of health conditions. Outside that window and outside a guaranteed-issue situation, insurers in most cases can use medical underwriting.
If my Medicare Advantage plan is not returning in North Dakota in 2027, what are my Medigap options?
You get a federal guaranteed-issue right to buy certain Medigap policies without medical underwriting. CMS Landscape files show 11 Medicare Advantage plans offered in North Dakota in 2026 are not being offered anywhere in the state in 2027. Medicare.gov lists which Medigap plans qualify and the time limits that apply.
Does Medigap in North Dakota cover prescription drugs for 2027?
No. Medigap policies sold today do not include Part D prescription drug coverage, so you would choose a stand-alone Part D plan separately. For 2027, the Part D out-of-pocket cap is $2,400 and the maximum allowed plan deductible is $700.
When can I make changes for 2027 coverage?
Medicare's Annual Enrollment Period runs October 15 – December 7, 2026, and choices made in that window take effect January 1, 2027. Your personal Medigap Open Enrollment Period is separate and is tied to when you turn 65 and enroll in Part B.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov: Medigap policy search results for ZIP code 58103, including the 24 insurers listed and the plan letters each sells.
  • CMS Landscape Source File: the count of 11 Medicare Advantage plans offered in North Dakota in 2026 that are not offered anywhere in the state in 2027.
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): the standardized plan letters, the six-month Medigap Open Enrollment Period, and federal guaranteed-issue rights.
  • Medicare.gov: the Annual Enrollment Period dates (October 15 – December 7, 2026) and the 2027 Part D figures ($2,400 out-of-pocket cap, $700 maximum deductible, $41.33 base beneficiary premium).
  • Social Security Administration: the October 14, 2026 announcement of a 3.6 percent cost-of-living adjustment effective January 2027.

How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.

By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

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This page was last updated: October 2026.

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