Health insurance prices in South Dakota (2026)
67 marketplace plans from 3 insurers across 66 counties. Official marketplace: HealthCare.gov.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $406–$718 (typical $539) · Silver $512–$882 (typical $703) · Gold $559–$934 (typical $733) · Catastrophic $291–$469 (typical $394)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 66) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Avera Health Plans | 66 | 35 | $406 | $531 | $687 | $731 | DirectConnect Standard $7500 HSA Eligible HDHP |
| Sanford Health Plan | 66 | 18 | $416 | $569 | $706 | $747 | Sanford Individual TRUE Standardized $7,500 |
| Wellmark Blue Cross Blue Shield (SD)Wellmark (Blue Cross Blue Shield company) | 42 | 14 | $489 | $524 | $730 | $711 | Wellmark Bronze Traditional EPO |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $406 | $539 | $718 | 21 | $7,500 | $9,900 | $15,756 |
| Silver | $512 | $703 | $882 | 22 | $4,875 | $9,325 | $17,471 |
| Gold | $559 | $733 | $934 | 20 | $1,900 | $8,200 | $17,009 |
| CatastrophicUnder 30 or hardship exemption only | $291 | $394 | $469 | 4 | $10,600 | $10,600 | $15,328 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in South Dakota
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Aurora County | 2 | 21 | $533 | $583 | $722 |
| Beadle County | 3 | 28 | $514 | $553 | $724 |
| Bennett County | 3 | 28 | $540 | $622 | $825 |
| Bon Homme County | 2 | 21 | $533 | $583 | $722 |
| Brookings County | 3 | 28 | $514 | $553 | $724 |
| Brown County | 2 | 41 | $426 | $500 | $632 |
| Brule County | 2 | 21 | $533 | $583 | $722 |
| Buffalo County | 2 | 21 | $533 | $583 | $722 |
| Butte County | 3 | 28 | $540 | $622 | $825 |
| Campbell County | 3 | 28 | $514 | $553 | $724 |
| Charles Mix County | 2 | 21 | $533 | $583 | $722 |
| Clark County | 3 | 28 | $514 | $553 | $724 |
| Clay County | 3 | 37 | $416 | $518 | $684 |
| Codington County | 3 | 28 | $514 | $553 | $724 |
| Corson County | 3 | 28 | $514 | $553 | $724 |
| Custer County | 3 | 28 | $540 | $622 | $825 |
| Davison County | 2 | 32 | $423 | $552 | $706 |
| Day County | 3 | 28 | $514 | $553 | $724 |
| Deuel County | 3 | 28 | $514 | $553 | $724 |
| Dewey County | 3 | 28 | $514 | $553 | $724 |
| Douglas County | 2 | 21 | $533 | $583 | $722 |
| Edmunds County | 3 | 28 | $514 | $553 | $724 |
| Fall River County | 3 | 28 | $540 | $622 | $825 |
| Faulk County | 3 | 28 | $514 | $553 | $724 |
| Grant County | 3 | 28 | $514 | $553 | $724 |
| Gregory County | 2 | 21 | $533 | $583 | $722 |
| Haakon County | 3 | 28 | $540 | $622 | $825 |
| Hamlin County | 3 | 28 | $514 | $553 | $724 |
| Hand County | 2 | 21 | $533 | $583 | $722 |
| Hanson County | 2 | 32 | $423 | $552 | $706 |
| Harding County | 3 | 28 | $540 | $622 | $825 |
| Hughes County | 2 | 21 | $533 | $583 | $722 |
| Hutchinson County | 2 | 32 | $423 | $552 | $706 |
| Hyde County | 2 | 21 | $533 | $583 | $722 |
| Jackson County | 3 | 28 | $540 | $622 | $825 |
| Jerauld County | 2 | 21 | $533 | $583 | $722 |
| Jones County | 3 | 28 | $540 | $622 | $825 |
| Kingsbury County | 3 | 28 | $514 | $553 | $724 |
| Lake County | 3 | 28 | $489 | $531 | $695 |
| Lawrence County | 3 | 28 | $540 | $622 | $825 |
| Lincoln County | 2 | 41 | $406 | $476 | $611 |
| Lyman County | 2 | 21 | $533 | $583 | $722 |
| Marshall County | 3 | 28 | $514 | $553 | $724 |
| McCook County | 3 | 39 | $406 | $518 | $679 |
| McPherson County | 3 | 28 | $514 | $553 | $724 |
| Meade County | 3 | 28 | $540 | $622 | $825 |
| Mellette County | 3 | 28 | $540 | $622 | $825 |
| Miner County | 2 | 21 | $533 | $583 | $722 |
| Minnehaha County | 2 | 41 | $406 | $476 | $611 |
| Moody County | 3 | 28 | $489 | $531 | $695 |
| Oglala Lakota County | 3 | 28 | $540 | $622 | $825 |
| Pennington County | 3 | 28 | $540 | $622 | $825 |
| Perkins County | 3 | 28 | $540 | $622 | $825 |
| Potter County | 3 | 28 | $514 | $553 | $724 |
| Roberts County | 3 | 28 | $514 | $553 | $724 |
| Sanborn County | 2 | 21 | $533 | $583 | $722 |
| Spink County | 3 | 28 | $514 | $553 | $724 |
| Stanley County | 2 | 21 | $533 | $583 | $722 |
| Sully County | 2 | 21 | $533 | $583 | $722 |
| Todd County | 3 | 28 | $540 | $622 | $825 |
| Tripp County | 2 | 21 | $533 | $583 | $722 |
| Turner County | 3 | 37 | $416 | $518 | $684 |
| Union County | 3 | 37 | $416 | $518 | $684 |
| Walworth County | 3 | 28 | $514 | $553 | $724 |
| Yankton County | 2 | 32 | $423 | $552 | $706 |
| Ziebach County | 3 | 28 | $540 | $622 | $825 |
To compare insurance plans side by side (or with health sharing), open your county.