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Concerns grow in North Dakota about increased insurance costs, medical debt

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Concerns grow in North Dakota about increased insurance costs, medical debt


BISMARCK — North Dakota health care organizations and insurance regulators are sounding a warning about the potential increase in out-of-pocket premium costs for those using the Affordable Care Act marketplace for their health insurance needs.

Some of the concern stems from changes to the ACA marketplace included in the latest version of the “One Big Beautiful Bill” covering enrollment, personal information verification and eligibility requirements.

Another area of concern is that expanded tax credits for those on the ACA marketplace will expire at the end of the year. Talk of an extension of those credits was not included in the latest formulation of the legislation currently being reviewed by the U.S. Senate.

Concerns over rising costs, loss of coverage

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About 50,000 people get their health insurance through the ACA marketplace in North Dakota, according to the state’s Office of the Insurance Commissioner.

Roughly 90% of those individuals are eligible for the expanded tax credits established during the pandemic in 2021.

Loss of these tax credits would lead to ACA insurance premiums rising on average by 75%, according to the health care information nonprofit KFF.

Without those credits, individuals would either need to pay the extra premium cost themselves or possibly lose coverage if they can’t afford the monthly payments.

“We know people are going to lose coverage,” said Tim Blasl, president of the North Dakota Hospital Association. “What that exactly looks like for North Dakota, we’ve got to work through that.”

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People would still get care, Blasl said, but more uninsured means less prevention and more people showing up in emergency rooms.

This increases medical debt for consumers and for hospitals if people can’t pay themselves.

“So, there’s a concern of an increase in bad debt, and how does that impact access to health care long term? How does that impact hospital financials long term? That’s something we are really concerned about,” Blasl said.

The Congressional Budget Office estimates 700,000 people could lose coverage nationally due to changes related to enrollment, and a further 3 million could become uninsured because of increased eligibility requirements.

The CBO said the expiration of the enhanced premium tax credits will lead to 4.2 million more uninsured people nationwide by 2034.

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Roughly 45,000 people in North Dakota on the ACA marketplace would pay higher premiums or drop coverage if they can’t afford it.

On June 20, a statement from the Center for Medicare and Medicaid Services said it is finalizing a rule included in the legislation that would lower the cost of ACA premiums by 5% on average, crack down on improper enrollments and rein in wasteful spending.

The statement said that in 2024, about 5 million people nationwide were potentially improperly enrolled on the ACA marketplace.

U.S. Rep. Julie Fedorchak, R-ND, said of the ACA changes included in the current legislation that, “Change is hard, change is going to require people to pay attention and make sure they’re properly enrolling and following the rules.”

Rep. Julie Fedorchak speaks Friday, Feb. 14, 2025, at Northern Cass High School in Hunter, North Dakota.

Anna Paige / The Forum

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Fedorchak said the program needs to be fixed so it can exist long-term amid federal budget and federal debt constraints.

The legislation could pass the Senate within the next week, then return to the House of Representatives for approval. President Donald Trump is pressing lawmakers to get the final legislation to his desk by July 4.

As for the expanded tax credits, Fedorchak said this may be taken up in another set of legislation in the second half of this year.

“There are concerns about how this will impact people and their insurance and maintaining their insurance, and there are also concerns about the cost to the federal government, which is about $350 billion to extend it in its current form,” Fedorchak said.

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“So it’s about balancing those two concerns and finding the best path forward.” Fedorchak said, “We don’t want a bunch of people going off their insurance and or losing their insurance or choosing not to purchase insurance, because that’s costly to the health care system, but at the same time, you know, some of the program levels are pretty generous.”

Rural impacts, rising medical debt

Impacts from the changes and expiration of tax credits are likely to be felt more acutely in rural parts of North Dakota.

According to 2024 data, nearly 27,000 of those on the ACA in the state lived in rural areas compared to around 16,000 in urban areas.

Brad Gibbens, a board member of the North Dakota Rural Health Association and former director of the Center for Rural Health at the University of North Dakota, said a higher percentage of people in rural areas are not insured through employers.

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Gibbens also said many of those on ACA plans receiving the subsidies are also likely getting food assistance through the Supplemental Nutrition Assistance Program, which is also being reformed and cut in the legislation.

“Both of those programs are being cut back so there’s going to be a profound effect in rural areas,” Gibbens said.

Those cuts will not only impact individuals who lose coverage, but also rural hospitals that treat patients in their ERs.

“They’re going to be coming in through the ERs when they’re sicker, when we would have liked to have seen them earlier to address an issue, rather than when they come back and it’s more acute,” Gibbens said. “There isn’t any money then, to treat them, so that comes back as more bad debt for the hospital.”

Gibbens said the moves are a “real step backwards” and would lead to significant negative impacts on the health of individuals but also on the financial viability of rural hospitals and clinics.

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Centrist think tank Third Way published a report June 23 examining the impacts on health care from changes in the One Big Beautiful Bill and estimated 5.4 million more people would be pushed into medical debt nationwide, increasing total medical debt by $50 billion.

Former Democratic-NPL U.S. congressman for North Dakota and former insurance commissioner Earl Pomeroy said the health care cuts in the One Big Beautiful Bill are a “common budget trick” made to pay for extending prior Trump tax cuts.

“They haven’t lifted a finger to keep health insurance affordable, and as a result, premiums will soar,” Pomeroy said. “Everyone knows higher health insurance premiums really hurt family budgets.”

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At the end of May, the National Association of Insurance Commissioners, currently led by North Dakota Insurance Commissioner Jon Godfread, sent a letter to both U.S. Senate and House majority and minority leaders highlighting changes to the ACA marketplace.

The letter said the potential expiration of the tax credits would have a “negative impact on insurance markets” and the “health care system as a whole.”

The NAIC letter said the rule changes would lead to fewer individuals covered and market disruptions as soon as 2026, and that the changes do not allow sufficient time for insurers, regulators and consumers to prepare.

The letter also stated the new eligibility requirements would prevent many consumers from getting insurance promptly, particularly if they lose jobs or their income changes.

Since 2020, overall enrollment on the ACA marketplace in North Dakota increased by about 87%.

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North Dakota ranks 15th in per capita spending on health care, according to data compiled by KFF.

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Suffolk prosecutors intercept, return scammed cash to North Dakota grandmother

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Suffolk prosecutors intercept, return scammed cash to North Dakota grandmother


An 80-year-old North Dakota grandmother scammed out of $8,500 has her money back after Suffolk County prosecutors and postal inspectors traced the package of cash, which was mailed to a Shirley address, and returned it earlier this week, district attorney’s officials said.

Officials said the woman received a call Dec. 12 from someone pretending to be her granddaughter, saying she had been in a traffic accident in Suffolk County and needed bail money.

The caller said she was charged with three crimes and then handed the phone to a man posing as her lawyer, who gave the grandmother instructions on how to send cash through the mail, district attorney’s officials said.

The grandmother mailed the cash, but the man kept calling, pestering her for more money, prosecutors said. The woman, who eventually realized she had been scammed, called police in Devils Lake, North Dakota, and reported the con.

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Detectives, who made no arrests, tracked the package to Shirley. The Suffolk County Financial Crimes Bureau then worked with inspectors from the U.S. Postal Inspection Service to intercept the package two hours after it arrived on Wednesday and returned the money to the North Dakota woman.

“Our office is dedicated to combating scammers who prey on the senior citizen community, who criminals believe to be easy prey,” Suffolk County District Attorney Raymond Tierney said in a statement. “Bad actors should know that Suffolk County will not be a haven for mailing scams, and that we will do everything within our power to prevent citizens from being swindled by predatory scammers.”



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Bill to improve rural veteran health care sees support from North Dakota providers

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Bill to improve rural veteran health care sees support from North Dakota providers


WASHINGTON, D.C. — North Dakota organizations have submitted letters of support for a federal bill that would improve veterans’ access to local health care options, which has been examined by the Senate Veterans’ Affairs Committee.

The bill – the Critical Access for Veterans Care Act – from Sen. Kevin Cramer and Sen. Tim Sheehy would allow veterans living in the rural United States to seek health care services at their local critical access hospitals or rural health clinics, a press release said.

“The Community Care program literally can be a lifeline,” said Cramer, R-N.D. “(What) prevents it from being a lifeline as often as it ought to be is all of the roadblocks that get put up. After hearing from veterans and rural health care providers and leaders across North Dakota, I proposed a solution with Sen. Sheehy to simplify access to the critical access network, whether it’s a critical access hospital (or) rural health clinic.”

Cramer and Sheehy’s (R-Mont.) bill would amend the VA (Veterans Affairs) MISSION Act of 2018 to make a new category under which “care is required to be furnished through community providers, specifically for care sought by a veteran residing within 35 miles of the critical access hospital or rural health clinic,” the release said.

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The release also said a number of veterans live in rural areas and face major challenges to accessing timely and quality health care. In North Dakota, there are 37 critical access hospitals, but only five of those communities housing them also have a VA community-based outpatient clinic. The state has one VA medical center in Fargo and eight community-based outpatient clinics in total.

The bill has received letters of support from the North Dakota Rural Health Association and a coalition of 22 North Dakota rural health care providers, the release said, who wrote that the legislation will offer a streamlined and practical approach building on existing infrastructure and recognized designations in rural health care. The American Hospital Association, America’s Warrior Partnership and the National Rural Health Association have also voiced support for the bill.

Another letter of support for the bill has come from Marcus Lewis, CEO of the North Dakota Veteran and Critical Access Hospital. A veteran himself, he said he lives more than three hours from the nearest VA hospital and works two hours away from it. However, there are three community health care facilities within 50 miles of his home.

“Despite the availability of this high quality local care, I am currently paying out of pocket for needed therapy because accessing services through the Community Care Network has proven prohibitively difficult,” he wrote.

Cramer said the VA system gives veterans less access to care that is readily available, and the goal of the bill is to give rural veterans access to their local critical access hospitals without strings attached.

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“I worry if the bill is watered down, quite honestly, that we turn the authority back over to the bureaucracy to decide,” he said.

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Amid Rural EMS Struggles, North Dakota Lawmakers Weigh Solutions

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Amid Rural EMS Struggles, North Dakota Lawmakers Weigh Solutions


North Dakota lawmakers are exploring using telemedicine technology to ease staffing strains on rural emergency medical services, a potential solution to a growing shortage of paramedics and volunteer responders across the state.

Though some solutions were floated and passed during the 2025 legislative session, lawmakers are working to understand the scope of the problem before proposing additional legislative changes in 2027.

The state has been facing a societal decline in volunteerism, which strains traditional volunteer firefighter and emergency medical services that support rural communities, said Sen. Josh Boschee, D- Fargo. Adding to pressure, when a rural ambulance service shuts down, the responsibility falls to neighboring ambulance services to answer calls in the defunct ambulance service’s coverage area.

How could telemedicine ease strains on rural EMS staffing?

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One idea presented to the Emergency Response Services Committee on Wednesday to potentially alleviate some of the stress on rural ambulances is expanding access to technology in the field for emergency medical personnel.

Emergency medicine technology company Avel eCare presented to the committee its system, which allows ambulance personnel to be connected by video with emergency medicine physicians, experienced medics or emergency nurses in the field wherever there is cell reception. The company already operates its mobile service in South Dakota, Minnesota, Nebraska and Kansas, according to the company’s presentation.

Avel eCare said this allows medics and paramedics to have any questions they have answered and provides a second person to help document actions taken when there is only one person in the back of an ambulance with a patient, which they say is increasingly common in rural areas. This allows one medic or paramedic to put more focus on the patient.

The company said it is innovating the ability to also bring medical personnel into the call from whatever care center the ambulance is heading to, allowing the care center to better prepare for the ambulance’s arrival.

Lawmakers said they were interested in the system and could see how it would provide a benefit to thinly stretched EMS personnel.

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Boschee said the state should consider funding the system, citing its potential to support local EMS providers and help retain volunteers.

Avel eCare did not provide a cost estimate for North Dakota, but offered South Dakota as an example. That state used general fund dollars to provide the Avel eCare service free of charge to agencies. The state paid $1.7 million in up-front costs for equipment — enough to outfit 120 ambulances — and an annual subscription cost of $937,000 to provide their services to 109 ambulances serving 105 communities in the state.

“I think specifically … how affordable that type of solution is for us to not only support our local EMS providers, but also to keep volunteers longer,” he said. “Folks know that they have that support network when they’re in the back of the rig taking care of a patient. That helps add to people’s willingness to serve longer. And so I think that’s a great, affordable option we have to look at, especially as we start going in the next couple months and continue to talk about rural health care transformation.”

Rural EMS shortages go beyond pay, state officials say

There are 28 open paramedic positions in the state, according to Workforce Services Director Phil Davis’ presentation. The difficulty in filling these positions is not just about money, though that certainly plays a factor in recruiting people, his report said.

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“I’ll just speak from my experience with my own agency,” Davis said. “After 18 years, it’s very hard for us to even recruit individuals into Job Service North Dakota because of the lower wages.”

Davis showed that 2024 salaries for emergency medical technicians were fairly even across the eight regions Workforce Services breaks the state into, with a roughly $6,500 gap between the highest and lowest averages. Law enforcement officer pay varied by about $8,320, while firefighter salaries were the biggest outlier, with a $20,000 difference between regions. While state wages may lag nationally, other factors are making rural recruiting particularly difficult.

Davis said it was largely a lifestyle change; people are not seeking to live rurally as often.

“We’re starting to see the smaller communities, for the most part — not all — starting to lose that population. And it is tougher to get individuals to move there or to be employed there,” Davis said.

Job Service North Dakota is holding job fairs to try to recruit more emergency services personnel, with some success, he said, and has nine workforce centers across the state working directly with small communities to help with their staffing shortages.

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Davis advocated for more education in schools about career paths in emergency services and the openings that are available in the state.

© 2025 The Bismarck Tribune (Bismarck, N.D.). Visit www.bismarcktribune.com. Distributed by Tribune Content Agency, LLC.

 



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