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    Medicare Advantage · North Dakota · enrollment Oct 2026

    Medicare Advantage in North Dakota: 29,591 members, 5 carriers, Medica Holding Company in front.

    Medica Holding Company holds 38.1% of North Dakota’s visible Medicare Advantage members, ahead of Blue Cross Blue Shield of Michigan Mutual Ins. Co. at 21.3% and UnitedHealth at 15.8%. The market shrank −22.3% (−8,478 members) from Nov 2025 to Oct 2026 and stepped −26.0% at the 2026 election period. 35.2% of the state's Medicare beneficiaries are in a Medicare Advantage plan.

    Visible members
    29,591
    Oct 2026
    Carriers
    5
    20 plans with members
    MA penetration
    35.2%
    of 155,405 eligible
    Twelve months
    −22.3%
    −8,478 members
    Election step
    −26.0%
    December to January 2026
    Top three
    75.2%
    HHI 2,482, moderately concentrated

    Every carrier with members in North Dakota

    Ranked by visible members in Oct 2026. The twelve-month change runs Nov 2025 to Oct 2026; the election step is the carrier’s own December-to-January change. Counties led counts counties where the carrier has the most visible members and at least one other carrier is visible. Blue Cross Blue Shield of Michigan Mutual Ins. Co. leads 17 of the 33 counties with a lead. At the election period Medica Holding Company stepped up most (+57.9%) and Blue Cross Blue Shield of Michigan Mutual Ins. Co. stepped down most (−72.8%).

    #CarrierMembersShareTwelve monthsElection stepCounties ledRating$0 premiumPlans
    1Medica Holding Company11,284
    38.1%
    		+60.5%+57.9%4 of 74.0010%5
    2Blue Cross Blue Shield of Michigan Mutual Ins. Co.ends every plan for 20276,314
    21.3%
    		−69.4%−72.8%17 of 513.50–3
    3UnitedHealth4,661
    15.8%
    		+3.1%+5.1%7 of 174.5073%6
    4Sanford Health4,532
    15.3%
    		+28.7%+19.7%2 of 154.00–4
    5Aetna (CVS)2,800
    9.5%
    		+64.4%+40.0%3 of 273.69100%2

    North Dakota county by county

    52 counties with visible members, largest first. A county’s leader is the carrier with the most visible members there; a county with one visible carrier shows no leader, because the others are suppressed, not absent. Penetration is Medicare Advantage members as a share of the county’s Medicare beneficiaries.

    CountyVisible membersCarriersLeaderLeader shareMA penetrationDual eligibles
    Burleigh8,1835Medica Holding Company63.0%40.6%1,853
    Cass5,7615Sanford Health33.7%38.4%3,247
    Grand Forks3,5835Medica Holding Company45.0%29.7%1,356
    Morton3,3275Medica Holding Company63.2%49.4%720
    Stutsman2,6865Medica Holding Company81.9%51.3%642
    Richland8234Blue Cross Blue Shield of Michigan Mutual Ins. Co.51.1%42.3%323
    Ward6972Blue Cross Blue Shield of Michigan Mutual Ins. Co.87.2%32.6%1,201
    Barnes3954Blue Cross Blue Shield of Michigan Mutual Ins. Co.39.2%38.9%270
    Williams3701one visible carrier–25.2%399
    Mercer3514Blue Cross Blue Shield of Michigan Mutual Ins. Co.45.6%38.9%135
    McLean3384UnitedHealth36.4%37.3%147
    Ramsey3293UnitedHealth54.4%26.3%342
    Traill2404Blue Cross Blue Shield of Michigan Mutual Ins. Co.36.3%30.0%130
    Stark2142Blue Cross Blue Shield of Michigan Mutual Ins. Co.93.5%34.2%556
    Pembina1922UnitedHealth56.3%24.9%150
    Walsh1804UnitedHealth46.7%24.3%270
    Mountrail1542UnitedHealth55.8%17.5%82
    McHenry1362UnitedHealth58.8%35.8%93
    Emmons1132Blue Cross Blue Shield of Michigan Mutual Ins. Co.62.8%42.0%65
    Dickey1053Blue Cross Blue Shield of Michigan Mutual Ins. Co.52.4%51.0%97
    Ransom1014Sanford Health34.6%51.1%106
    Nelson813Aetna (CVS)44.4%24.7%77
    Benson792UnitedHealth65.8%25.3%139
    Bottineau751one visible carrier–14.0%132
    Sargent752Blue Cross Blue Shield of Michigan Mutual Ins. Co.68.0%51.0%69
    LaMoure712Blue Cross Blue Shield of Michigan Mutual Ins. Co.63.4%44.9%86
    Logan692Blue Cross Blue Shield of Michigan Mutual Ins. Co.79.7%44.5%37
    McIntosh682Blue Cross Blue Shield of Michigan Mutual Ins. Co.70.6%44.2%73
    Sioux641one visible carrier–21.5%90
    Pierce581one visible carrier–30.0%99
    McKenzie561one visible carrier–10.8%108
    Kidder532Blue Cross Blue Shield of Michigan Mutual Ins. Co.56.6%54.7%45
    Griggs472Blue Cross Blue Shield of Michigan Mutual Ins. Co.70.2%34.7%39
    Renville471one visible carrier–23.8%34
    Rolette471one visible carrier–7.9%425
    Wells422Blue Cross Blue Shield of Michigan Mutual Ins. Co.73.8%21.8%112
    Eddy371one visible carrier–28.5%65
    Grant362Blue Cross Blue Shield of Michigan Mutual Ins. Co.52.8%43.6%59
    Foster322Aetna (CVS)53.1%29.2%55
    Hettinger311one visible carrier–26.3%48
    Dunn301one visible carrier–20.9%48
    Steele302Blue Cross Blue Shield of Michigan Mutual Ins. Co.60.0%32.9%21
    Cavalier281one visible carrier–21.3%49
    Sheridan242Aetna (CVS)54.2%40.7%33
    Oliver211one visible carrier–35.7%24
    Burke201one visible carrier–13.0%21
    Towner201one visible carrier–21.6%38
    Bowman171one visible carrier–25.3%60
    Adams161one visible carrier–29.4%40
    Golden Valley161one visible carrier–17.8%28
    Divide121one visible carrier–11.2%23
    Slope111one visible carrier–32.2%–

    North Dakota's twelve months

    Visible Medicare Advantage members in North Dakota each month, Nov 2025 to Oct 2026. The December-to-January step is the election period; the rest of the year moves on new eligibles, special enrollment and deaths.

    Nov 2025 · 38,069Oct 2026 · 29,591

    What 2027 does to North Dakota

    The fate assigned to every plan for 2027, joined to the members in it today. A plan that ends sends its members to choose again; a plan dropping counties keeps the plan but not every county, and which counties is not stated.

    Plans that end
    10,753

    members in North Dakota are in plans that end for 2027; Blue Cross Blue Shield of Michigan Mutual Ins. Co. ends every plan in the state.

    • Blue Cross Blue Shield of Michigan Mutual Ins. Co. · every plan6,314
    • Sanford Health4,275
    • UnitedHealth164
    Plans dropping counties
    4,549

    members are in plans that keep selling in North Dakota but drop at least one county for 2027.

    • UnitedHealth · 3 plans2,685
    • Medica Holding Company · 2 plans1,864

    The plans on sale in North Dakota for 2027

    Benefit design weighted by each plan’s members today, so a figure is what the market’s members are offered, not a count of plans. The rating is the 2027 overall Star Rating, weighted the same way.

    $0 premium
    39%

    of members are in a plan with no monthly premium

    In-network maximum
    $7,150

    median out-of-pocket maximum, member weighted

    Star Rating
    3.94

    2027 overall, member weighted

    Carrier Command · for Medicare Advantage plans

    The read on every carrier in North Dakota is in Carrier Command.

    A monthly position page for each of the 5 carriers here: risk and rebate against the market, Stars levers, the election-period forecast, county standing and the written read. Launching for Medicare Advantage plans.

    Request early access See Carrier Command

    Other states

    Every state has its own page; the largest carriers have one nationally.

    Medica Holding Company in every state · Blue Cross Blue Shield of Michigan Mutual Ins. Co. in every state · UnitedHealth in every state · All states and carriers

    How these numbers are made

    • Members are visible members: CMS suppresses any plan-county cell of ten or fewer, so small counties undercount. Market share excludes employer group plans.
    • Enrollment is Oct 2026; the twelve months run Nov 2025 to Oct 2026; the election step compares December 2025 with January 2026.
    • Plan fates are the ones assigned for contract year 2027; benefit design is the 2027 filing; the rating is the 2027 overall Star Rating of each carrier's contracts, weighted by members in North Dakota.
    • A carrier is a parent organization; its brands in North Dakota may carry other names. The rank 1st to 5th counts every parent with visible members in 2026.
    • Every figure comes from public CMS data as Livmor reads it, and the page is rebuilt when a new month posts. Livmor Carrier Command, public CMS data.