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North Dakota Long-Term Care

Explore and learn information about long-term care and insurance for North Dakota residents.

North Dakota Cost of Care Calculator

View the costs of Long-Term Care in your area. Use the slider below to view future costs of care services with inflation.

North Dakota Median
Long-Term Care 2021 2036(+15 Years) 2021 2036(+15 Years)
Homemaker Services $5,302 $8,764(+$43,394) $4,959 $8,196(+$40,581)
Home Health Aide $5,302 $8,764(+$43,394) $4,811 $7,953(+$39,376)
Adult Day Care $2,492 $4,118(+$20,391) $1,774 $2,932(+$14,519)
Assisted Living Facility $3,414 $5,644(+$27,943) $3,657 $6,044(+$29,924)
Semi-Private Room $11,357 $18,772(+$92,946) $12,226 $20,207(+$100,050)
Private Room $12,040 $19,901(+$98,535) $11,592 $19,159(+$94,864)

Care Facilities in North Dakota

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State Information

Federal Partnership Program

The State of North Dakota has been participating in the federal/state long-term care partnership program since 2007. The North Dakota Long-Term Care Partnership Program is a collaboration between the state government and insurance companies. Under this partnership, consumers who purchase qualifying long-term care insurance policies can access Medicaid coverage while retaining assets they would normally first be required to spend on their long-term care.

This is what is referred to as “dollar-for-dollar” asset protection or “asset disregard”. This additional asset protection allows you to keep assets you would normally not be allowed to keep if you didn’t have a policy and had to spend your own assets for care. Even a small policy can provide solid asset protection providing you and your family with additional peace-of-mind.

Policy Example

If your North Dakota Partnership Long-Term Care insurance policy paid $275,000 your estate would be eligible to shelter that same amount. This is above the normal asset allowance. The larger the amount of benefits paid by the policy gives you a larger amount of additional dollar-for-dollar asset protection. The Partnership Program also protects those assets after death from Medicaid estate recovery.


Most states have reciprocity with other states' long-term-care partnership programs including North Dakota. This means if you move from or to North Dakota your partnership asset protection follows you as well.


Long-Term Care Medicaid spend down is $3,000. A spouse’s minimum asset allowance is minimum of $6,076 up to a maximum of one-half of countable assets up to $130,380.   Your spouse’s minimum monthly income allowance is $3,259.50* The home equity limit is $603,000. 

For more information about the Medicaid program visit

Rate Stability Rules

In addition, North Dakota consumers enjoy additional peace-of-mind as the state has adopted Long-Term Care Insurance Rate Stability Rules.  These rules, developed the National Association of Insurance Commissioners, makes it much harder for an insurance company to get an approved rate increase.

Products Approved in North Dakota

A variety of products are approved in North Dakota for Long-Term Care planning. These include tradition long-term care insurance policies in addition to partnership certified plans and asset-based “hybrid” policies.

Tax Incentives

North Dakota Long-Term Care Partnership policies also qualify for an annual $250 North Dakota income tax credit. The tax credit appears on line 16 of Schedule ND-1TC. You are allowed a tax credit for premiums you pay for a partnership long-term care insurance policy that covers you or your spouse, or both. To qualify, you must be a North Dakota resident at the time you pay the premium.

*The federal government sets a new minimum and maximum amounts each year, but states can set their own minimum requirements at any level between the federal limits. This information is based on the best available sources.

State Breakdown
State Partnership Program
State Tax Incentives
Federal Tax Incentives
Rate Stability Rules
Medicaid Spend Down $3,000
Minimum Asset Allowance $130,380
Minimum Monthly Income Allowance $3,259.50
Compare with All States

Long-Term Care Throughout North Dakota


Fargo is the largest metro area in North Dakota and accounts for nearly 17% of the state population. The average cost of a skilled nursing facility runs $9,644 a month. The cost of an Assisted Living Facilityaverages $3,550 a month. Adult Day Care Centers average $1,528 a month. Care at home, based on a 44-hour week, averages $5,100 a month.

More Locations

Other population areas in North Dakota include Bismarck, Grand Forks, and Minot.

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