# Blue Cross Blue Shield of North Dakota

> A member-governed, not-for-profit health insurer serving North Dakota individuals and employers through medical coverage, Medicare supplements, stop-loss insurance and administration for self-funded plans. BCBSND affiliated with Cambia Health Solutions effective February 1, 2026, combining shared operations with a continuing local identity.

- **Founded:** 1940
- **Headquarters:** Fargo, United States
- **Products:** Individual and family health insurance, Employer health insurance, Self-funded plan administration and stop-loss, Medicare supplement insurance, BCBSND.me
- **Notable:** First-year enrollment of 9,000 in 1940, according to the company history., Company-reported access to all North Dakota hospitals and 99% of state physicians; individual plan network rules still apply., 2025 annual report: 22.2% digital member-experience registration against an initial 10% goal.

## Products & services

- **Individual and family health insurance** — 2026 plan documents include BlueCare, BlueDirect, BlueEssential, BlueValue and DakotaBlue. Benefits and networks vary by plan.
- **Employer health insurance** — Fully insured group coverage and employee health and well-being resources.
- **Self-funded plan administration and stop-loss** — Claims administration for employers funding their own benefits, with stop-loss coverage to manage specified claim risks.
- **Medicare supplement insurance** — Supplemental coverage for people with Original Medicare; distinct from NextBlue Medicare Advantage.
- **BCBSND.me** — Personalized digital navigator developed with apree health, with benefits, claims, provider search and Care Guides; launched January 1, 2025 for commercial and individual members.
- **Well-being and care management** — Resources include Learn to Live, Omada, digital physical therapy, Wellbeats, meQuilibrium and care management; eligibility and extra charges depend on the offering and plan.

## Achievements

- First-year enrollment of 9,000 in 1940, according to the company history.
- Company-reported access to all North Dakota hospitals and 99% of state physicians; individual plan network rules still apply.
- 2025 annual report: 22.2% digital member-experience registration against an initial 10% goal.
- NCQA and URAC accreditations listed on official company and Medicaid pages.
- 2025 United Way workplace giving recognition alongside Noridian.

## Latest updates

- **2026-10** — October 12: state regulators approved a 19.00% average 2027 ACA individual rate increase, below the requested 21.40%; the small-group approved average was 9.50%.
- **2026-02** — Cambia affiliation effective February 1; providers were told there were no immediate changes to contracts, tools or member cards.
- **2026-01** — Lacey Bergh announced as market president; Dan Conrad to become Cambia chief administrative officer upon the affiliation.

## Links

- Website: https://www.bcbsnd.com
- LinkedIn: https://www.linkedin.com/company/blue-cross-blue-shield-of-north-dakota
- Twitter/X: https://twitter.com/BCBSND
- YouTube: https://www.youtube.com/user/BlueCrossND
- Instagram: https://www.instagram.com/bluecrossblueshieldnd/
- Facebook: https://www.facebook.com/bcbsnd

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Last updated: 2026-10-16