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.

What each type of care costs in North Dakota

Assisted living is only one of the settings people use. Median monthly costs across the main care types in North Dakota:

Source: SeniorLiving.org Cost of Care Research (2026)

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 North Dakota treats LTC premiums at tax time

North Dakota offers a state income tax credit, not merely a deduction, for premiums paid on a qualifying Long-Term Care Partnership Plan policy covering the taxpayer, the taxpayer's spouse, or both. The credit equals the premiums paid during the tax year, capped at $250 per qualified individual, and the covered individual must be a North Dakota resident when the premiums are paid. Only policies certified under North Dakota's Partnership Program qualify; an ordinary, non-Partnership long-term care policy does not earn this credit.

Source: North Dakota Office of State Tax Commissioner (2026)

This is general information, not tax advice. Confirm your own situation with a tax professional licensed in North Dakota.

Medicaid long-term care in North Dakota

North Dakota Medicaid, administered by the ND Department of Health and Human Services, covers long-term nursing facility care through its Aged, Blind and Disabled (ABD) eligibility group. To qualify, an individual must hold less than $3,000 in countable assets ($6,000 for a couple, plus $25 per additional household member) and meet an income limit of $1,197 a month for a single person, 90% of the federal poverty level effective April 1, 2026. A home, one vehicle, home furnishings, and irrevocable burial plans are excluded from the asset count. Some coverage groups are subject to Medicaid Estate Recovery after age 55.

Source: Health and Human Services North Dakota (2026)

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: August 22, 2026