ACA marketplace plans in Codington County, South Dakota (2026)
Codington County, South Dakota has 28 ACA marketplace plans from 3 insurers in 2026, with monthly premiums for a 40-year-old ranging from $386 to $787 and a benchmark (second-lowest-cost silver) plan at $709 per month.
Plan table
| Issuer | Plan | Metal | Age 21 | Age 40 | Age 60 | Deductible | MOOP |
|---|---|---|---|---|---|---|---|
| Sanford Health Plan | Sanford Individual Simplicity $10,600 | Catastrophic | $302.20 | $386.21 | $820.17 | $10,600 | $10,600 |
| Avera Health Plans | ConnectPlus $10,600 HSA Eligible HDHP | Catastrophic | $317.25 | $405.44 | $861.00 | $10,600 | $10,600 |
| Wellmark of South Dakota, Inc. | Wellmark Bronze Traditional EPO | Expanded Bronze | $401.80 | $513.50 | $1,090.48 | $7,200 | $9,900 |
| Wellmark of South Dakota, Inc. | Wellmark Bronze HDHP EPO HSA Qualified | Expanded Bronze | $410.32 | $524.39 | $1,113.61 | $8,300 | $8,300 |
| Avera Health Plans | ConnectPlus Standard $7500 HSA Eligible HDHP | Expanded Bronze | $420.53 | $537.42 | $1,141.30 | $7,500 | $10,000 |
| Wellmark of South Dakota, Inc. | Wellmark Standard Bronze EPO | Expanded Bronze | $430.87 | $550.65 | $1,169.37 | $7,500 | $10,000 |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $7,500 | Expanded Bronze | $432.57 | $552.82 | $1,173.98 | $7,500 | $10,000 |
| Avera Health Plans | ConnectPlus $6500 HSA Eligible HDHP | Expanded Bronze | $436.08 | $557.29 | $1,183.49 | $6,500 | $10,600 |
| Sanford Health Plan | Sanford Individual Simplicity $6,500 | Expanded Bronze | $450.47 | $575.70 | $1,222.57 | $6,500 | $9,750 |
| Avera Health Plans | ConnectPlus $7500 HSA Eligible HDHP | Expanded Bronze | $458.39 | $585.82 | $1,244.06 | $7,500 | $7,500 |
| Sanford Health Plan | Sanford Individual Simplicity $7,200 HSA Qualified | Expanded Bronze | $462.25 | $590.76 | $1,254.55 | $7,200 | $7,200 |
| Wellmark of South Dakota, Inc. | Wellmark Gold Traditional EPO | Gold | $551.20 | $704.44 | $1,495.97 | $1,750 | $7,500 |
| Wellmark of South Dakota, Inc. | Wellmark Standard Gold EPO | Gold | $561.05 | $717.03 | $1,522.70 | $2,000 | $8,200 |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $2,000 | Gold | $581.01 | $742.53 | $1,576.85 | $2,000 | $8,200 |
| Avera Health Plans | ConnectPlus $1800 | Gold | $584.18 | $746.57 | $1,585.44 | $1,800 | $9,000 |
| Avera Health Plans | ConnectPlus Standard $2000 | Gold | $594.01 | $759.13 | $1,612.12 | $2,000 | $8,200 |
| Sanford Health Plan | Sanford Individual Simplicity $1,750 | Gold | $601.33 | $768.50 | $1,632.00 | $1,750 | $9,000 |
| Avera Health Plans | ConnectPlus MyWeighForward $2000 | Gold | $611.24 | $781.15 | $1,658.88 | $2,000 | $8,200 |
| Avera Health Plans | ConnectPlus $0 Gold | Gold | $616.11 | $787.38 | $1,672.10 | $0 | $8,500 |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $6,000 | Silver | $531.48 | $679.23 | $1,442.44 | $6,000 | $8,900 |
| Avera Health Plans | ConnectPlus Standard $6000 | Silver | $554.59 | $708.76 | $1,505.15 | $6,000 | $8,900 |
| Avera Health Plans | ConnectPlus $4500 | Silver | $557.42 | $712.37 | $1,512.81 | $4,500 | $10,150 |
| Sanford Health Plan | Sanford Individual Simplicity $3,500 | Silver | $563.44 | $720.07 | $1,529.16 | $3,500 | $9,750 |
| Wellmark of South Dakota, Inc. | Wellmark Silver Traditional EPO | Silver | $566.46 | $723.94 | $1,537.38 | $5,000 | $7,500 |
| Sanford Health Plan | Sanford Individual Simplicity $4,750 | Silver | $567.83 | $725.69 | $1,541.09 | $4,750 | $9,750 |
| Avera Health Plans | ConnectPlus MyWeighForward $6000 | Silver | $570.55 | $729.15 | $1,548.45 | $6,000 | $8,900 |
| Wellmark of South Dakota, Inc. | Wellmark Standard Silver EPO | Silver | $576.19 | $736.37 | $1,563.79 | $6,000 | $8,900 |
| Avera Health Plans | ConnectPlus $0 Silver | Silver | $613.32 | $783.82 | $1,664.55 | $0 | $10,600 |
Cost-sharing reductions (CSR)
Silver plans in this county carry the standard cost-sharing shown above. If your household income is between 100% and 250% of the federal poverty level, HealthCare.gov automatically applies CSR variants of silver plans that lower deductibles, copays, and the annual out-of-pocket maximum — the plan name stays the same but the numbers on your Summary of Benefits change.
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025, so for plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit at all, and lower-income households pay a larger share of the benchmark plan's premium (see the Congressional Research Service report R48290 and KFF's 2026 premium tracker). These figures describe the rules; nothing on this page is a recommendation.
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan, premium, deductible, and out-of-pocket figures on this page come from this file.
- HealthCare.gov — official federal marketplace where these plans are sold.