North Dakota long-term care insurance: cost & coverage

Who regulates long-term care insurance in North Dakota

Long-term care insurance policies sold in North Dakota are regulated by the North Dakota Insurance and Securities Department. If you have a complaint about an agent, carrier, or policy, you can file it with the regulator directly.

What long-term care costs in North Dakota

Median assisted living cost in North Dakota vs. the national median:

Source: SeniorLiving.org median assisted living costs, 2026. See costs for all 50 states for the full table.

North Dakota's LTC Partnership program

North Dakota has an active LTC Partnership program. North Dakota has participated in the federal/state LTC Partnership program since 2007, covering policies issued after Jan. 1, 2007; note the regulator itself was renamed from "North Dakota Insurance Department" to "North Dakota Insurance and Securities Department" in 2025 following a merger with the state Securities Department (per SB 2214).

A Partnership-qualified policy lets you keep an extra dollar of assets, protected from Medicaid spend-down, for every dollar your policy pays out in benefits — see the note above for this state's current status. Learn more about how Partnership programs work.

How to compare quotes in North Dakota

• Confirm any agent or carrier you talk to is currently licensed to sell in North Dakota — the North Dakota Insurance and Securities Department can confirm licensing status.
• Ask which products a carrier is actively writing in North Dakota today — availability changes state by state and year to year. See carriers we compare.
• If a Partnership-qualified policy matters to you, confirm with the carrier or agent whether a policy is currently certified as Partnership-qualified in North Dakota — see this state's Partnership status above.
• Compare traditional and hybrid options side by side — see traditional vs. hybrid coverage.
• Get quotes from more than one carrier; pricing for the same coverage can vary significantly.

Please note: Regulator names, complaint channels, and Partnership-program status can change. Confirm current details with the North Dakota Insurance and Securities Department or a licensed agent before making any decision. LongTermCareInsurance411 is not a government agency and does not administer North Dakota's insurance regulations or Medicaid program.

Last updated: July 30, 2026