Health insurance prices in Minnehaha County, SD (2026)
41 marketplace plans from 2 insurers. Cheapest plan $406/mo; typical Silver $611/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
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). Rating Area 2.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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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–$577 (typical $476) · Silver $512–$747 (typical $611) · Gold $559–$751 (typical $658) · Catastrophic $291–$386 (typical $377)
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.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Sanford Health Plan | 18 | $416 | $489 | $611 | $650 | Sanford Individual TRUE Standardized $7,500 | |
| Avera Health Plans | 23 | $406 | $476 | $616 | $658 | DirectConnect Standard $7500 HSA Eligible HDHP |
All 41 plans in Minnehaha County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Sanford Health Plan | Sanford Individual TRUE $10,600 | Catastrophic | HMO | $291 | $10,600 | $10,600 | $14,088 | |
| Sanford Health Plan | Sanford Individual Simplicity $10,600 | Catastrophic | PPO | $377 | $10,600 | $10,600 | $15,129 | |
| Avera Health Plans | ConnectPlus $10,600 HSA Eligible HDHP | Catastrophic | PPO | $386 | $10,600 | $10,600 | $15,235 | |
| Avera Health Plans | DirectConnect Standard $7500 HSA Eligible HDHP | Expanded Bronze | HMO | $406 | $7,500 | $10,000 | $14,877 | |
| Avera Health Plans | DirectConnect $6500 HSA Eligible HDHP | Expanded Bronze | HMO | $412 | $6,500 | $10,600 | $15,549 | |
| Sanford Health Plan | Sanford Individual TRUE Standardized $7,500 | Expanded Bronze | HMO | $416 | $7,500 | $10,000 | $14,992 | |
| Sanford Health Plan | Sanford Individual TRUE $6,500 | Expanded Bronze | HMO | $433 | $6,500 | $9,750 | $14,949 | |
| Sanford Health Plan | Sanford Individual TRUE $7,200 HSA Qualified | Expanded Bronze | HMO | $438 | $7,200 | $7,200 | $12,458 | |
| Avera Health Plans | DirectConnect $7500 HSA Eligible HDHP | Expanded Bronze | HMO | $440 | $7,500 | $7,500 | $12,778 | |
| Avera Health Plans | DirectConnect Standard $6000 | Silver | HMO | $512 | $6,000 | $8,900 | $15,043 | |
| Avera Health Plans | ConnectPlus Standard $7500 HSA Eligible HDHP | Expanded Bronze | PPO | $512 | $7,500 | $10,000 | $16,144 | |
| Avera Health Plans | DirectConnect $4500 | Silver | HMO | $514 | $4,500 | $10,150 | $16,322 | |
| Sanford Health Plan | Sanford Individual TRUE Standardized $6,000 | Silver | HMO | $516 | $6,000 | $8,900 | $15,091 | |
| Avera Health Plans | ConnectPlus $6500 HSA Eligible HDHP | Expanded Bronze | PPO | $531 | $6,500 | $10,600 | $16,971 | |
| Avera Health Plans | DirectConnect MyWeighForward $6000 | Silver | HMO | $534 | $6,000 | $8,900 | $15,305 | |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $7,500 | Expanded Bronze | PPO | $540 | $7,500 | $10,000 | $16,483 | |
| Sanford Health Plan | Sanford Individual TRUE $3,500 | Silver | HMO | $549 | $3,500 | $9,750 | $16,334 | |
| Avera Health Plans | DirectConnect $0 Silver | Silver | HMO | $557 | $0 | $10,600 | $17,286 | |
| Sanford Health Plan | Sanford Individual TRUE $4,750 | Silver | HMO | $558 | $4,750 | $9,750 | $16,445 | |
| Avera Health Plans | ConnectPlus $7500 HSA Eligible HDHP | Expanded Bronze | PPO | $558 | $7,500 | $7,500 | $14,197 | |
| Sanford Health Plan | Sanford Individual TRUE Standardized $2,000 | Gold | HMO | $559 | $2,000 | $8,200 | $14,905 | |
| Sanford Health Plan | Sanford Individual Simplicity $6,500 | Expanded Bronze | PPO | $563 | $6,500 | $9,750 | $16,502 | |
| Sanford Health Plan | Sanford Individual TRUE $1,750 | Gold | HMO | $575 | $1,750 | $9,000 | $15,901 | |
| Sanford Health Plan | Sanford Individual Simplicity $7,200 HSA Qualified | Expanded Bronze | PPO | $577 | $7,200 | $7,200 | $14,128 | |
| Avera Health Plans | DirectConnect $1800 | Gold | HMO | $579 | $1,800 | $9,000 | $15,950 | |
| Avera Health Plans | DirectConnect Standard $2000 | Gold | HMO | $583 | $2,000 | $8,200 | $15,198 | |
| Avera Health Plans | DirectConnect MyWeighForward $2000 | Gold | HMO | $600 | $2,000 | $8,200 | $15,397 | |
| Avera Health Plans | DirectConnect $0 Gold | Gold | HMO | $605 | $0 | $8,500 | $15,757 | |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $6,000 | Silver | PPO | $664 | $6,000 | $8,900 | $16,866 | |
| Avera Health Plans | ConnectPlus Standard $6000 | Silver | PPO | $675 | $6,000 | $8,900 | $17,002 | |
| Avera Health Plans | ConnectPlus $4500 | Silver | PPO | $679 | $4,500 | $10,150 | $18,293 | |
| Avera Health Plans | ConnectPlus MyWeighForward $6000 | Silver | PPO | $695 | $6,000 | $8,900 | $17,235 | |
| Sanford Health Plan | Sanford Individual Simplicity $3,500 | Silver | PPO | $704 | $3,500 | $9,750 | $18,195 | |
| Sanford Health Plan | Sanford Individual Simplicity $4,750 | Silver | PPO | $709 | $4,750 | $9,750 | $18,261 | |
| Avera Health Plans | ConnectPlus $1800 | Gold | PPO | $711 | $1,800 | $9,000 | $17,534 | |
| Avera Health Plans | ConnectPlus Standard $2000 | Gold | PPO | $723 | $2,000 | $8,200 | $16,878 | |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $2,000 | Gold | PPO | $726 | $2,000 | $8,200 | $16,908 | |
| Avera Health Plans | ConnectPlus MyWeighForward $2000 | Gold | PPO | $744 | $2,000 | $8,200 | $17,130 | |
| Avera Health Plans | ConnectPlus $0 Silver | Silver | PPO | $747 | $0 | $10,600 | $19,560 | |
| Avera Health Plans | ConnectPlus $0 Gold | Gold | PPO | $750 | $0 | $8,500 | $17,501 | |
| Sanford Health Plan | Sanford Individual Simplicity $1,750 | Gold | PPO | $751 | $1,750 | $9,000 | $18,013 |
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 | $476 | $577 | 12 | $7,350 | $9,875 | $14,971 |
| Silver | $512 | $611 | $747 | 14 | $4,750 | $9,750 | $16,934 |
| Gold | $559 | $658 | $751 | 12 | $1,900 | $8,350 | $16,414 |
| CatastrophicUnder 30 or hardship exemption only | $291 | $377 | $386 | 3 | $10,600 | $10,600 | $15,129 |
* 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.