ACA marketplace plans in Lincoln County, South Dakota (2026)
Lincoln County, South Dakota has 41 ACA marketplace plans from 2 insurers in 2026, with monthly premiums for a 40-year-old ranging from $291 to $751 and a benchmark (second-lowest-cost silver) plan at $514 per month.
Plan table
| Issuer | Plan | Metal | Age 21 | Age 40 | Age 60 | Deductible | MOOP |
|---|---|---|---|---|---|---|---|
| Sanford Health Plan | Sanford Individual TRUE $10,600 | Catastrophic | $227.42 | $290.64 | $617.21 | $10,600 | $10,600 |
| Sanford Health Plan | Sanford Individual Simplicity $10,600 | Catastrophic | $295.35 | $377.45 | $801.56 | $10,600 | $10,600 |
| Avera Health Plans | ConnectPlus $10,600 HSA Eligible HDHP | Catastrophic | $302.22 | $386.23 | $820.21 | $10,600 | $10,600 |
| Avera Health Plans | DirectConnect Standard $7500 HSA Eligible HDHP | Expanded Bronze | $318.01 | $406.40 | $863.05 | $7,500 | $10,000 |
| Avera Health Plans | DirectConnect $6500 HSA Eligible HDHP | Expanded Bronze | $322.73 | $412.44 | $875.88 | $6,500 | $10,600 |
| Sanford Health Plan | Sanford Individual TRUE Standardized $7,500 | Expanded Bronze | $325.52 | $416.02 | $883.46 | $7,500 | $10,000 |
| Sanford Health Plan | Sanford Individual TRUE $6,500 | Expanded Bronze | $339.00 | $433.24 | $920.03 | $6,500 | $9,750 |
| Sanford Health Plan | Sanford Individual TRUE $7,200 HSA Qualified | Expanded Bronze | $342.85 | $438.16 | $930.48 | $7,200 | $7,200 |
| Avera Health Plans | DirectConnect $7500 HSA Eligible HDHP | Expanded Bronze | $344.15 | $439.82 | $934.02 | $7,500 | $7,500 |
| Avera Health Plans | ConnectPlus Standard $7500 HSA Eligible HDHP | Expanded Bronze | $400.60 | $511.96 | $1,087.22 | $7,500 | $10,000 |
| Avera Health Plans | ConnectPlus $6500 HSA Eligible HDHP | Expanded Bronze | $415.42 | $530.89 | $1,127.42 | $6,500 | $10,600 |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $7,500 | Expanded Bronze | $422.76 | $540.28 | $1,147.35 | $7,500 | $10,000 |
| Avera Health Plans | ConnectPlus $7500 HSA Eligible HDHP | Expanded Bronze | $436.68 | $558.06 | $1,185.12 | $7,500 | $7,500 |
| Sanford Health Plan | Sanford Individual Simplicity $6,500 | Expanded Bronze | $440.25 | $562.64 | $1,194.84 | $6,500 | $9,750 |
| Sanford Health Plan | Sanford Individual Simplicity $7,200 HSA Qualified | Expanded Bronze | $451.77 | $577.36 | $1,226.09 | $7,200 | $7,200 |
| Sanford Health Plan | Sanford Individual TRUE Standardized $2,000 | Gold | $437.23 | $558.78 | $1,186.64 | $2,000 | $8,200 |
| Sanford Health Plan | Sanford Individual TRUE $1,750 | Gold | $449.99 | $575.08 | $1,221.25 | $1,750 | $9,000 |
| Avera Health Plans | DirectConnect $1800 | Gold | $453.17 | $579.14 | $1,229.89 | $1,800 | $9,000 |
| Avera Health Plans | DirectConnect Standard $2000 | Gold | $456.29 | $583.13 | $1,238.35 | $2,000 | $8,200 |
| Avera Health Plans | DirectConnect MyWeighForward $2000 | Gold | $469.26 | $599.71 | $1,273.56 | $2,000 | $8,200 |
| Avera Health Plans | DirectConnect $0 Gold | Gold | $473.20 | $604.74 | $1,284.25 | $0 | $8,500 |
| Avera Health Plans | ConnectPlus $1800 | Gold | $556.50 | $711.20 | $1,510.32 | $1,800 | $9,000 |
| Avera Health Plans | ConnectPlus Standard $2000 | Gold | $565.87 | $723.17 | $1,535.74 | $2,000 | $8,200 |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $2,000 | Gold | $567.83 | $725.69 | $1,541.09 | $2,000 | $8,200 |
| Avera Health Plans | ConnectPlus MyWeighForward $2000 | Gold | $582.28 | $744.14 | $1,580.28 | $2,000 | $8,200 |
| Avera Health Plans | ConnectPlus $0 Gold | Gold | $586.92 | $750.07 | $1,592.88 | $0 | $8,500 |
| Sanford Health Plan | Sanford Individual Simplicity $1,750 | Gold | $587.69 | $751.07 | $1,594.98 | $1,750 | $9,000 |
| Avera Health Plans | DirectConnect Standard $6000 | Silver | $400.54 | $511.88 | $1,087.04 | $6,000 | $8,900 |
| Avera Health Plans | DirectConnect $4500 | Silver | $402.49 | $514.37 | $1,092.34 | $4,500 | $10,150 |
| Sanford Health Plan | Sanford Individual TRUE Standardized $6,000 | Silver | $403.66 | $515.88 | $1,095.53 | $6,000 | $8,900 |
| Avera Health Plans | DirectConnect MyWeighForward $6000 | Silver | $417.62 | $533.71 | $1,133.41 | $6,000 | $8,900 |
| Sanford Health Plan | Sanford Individual TRUE $3,500 | Silver | $429.34 | $548.69 | $1,165.21 | $3,500 | $9,750 |
| Avera Health Plans | DirectConnect $0 Silver | Silver | $435.97 | $557.15 | $1,183.19 | $0 | $10,600 |
| Sanford Health Plan | Sanford Individual TRUE $4,750 | Silver | $436.56 | $557.93 | $1,184.83 | $4,750 | $9,750 |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $6,000 | Silver | $519.43 | $663.83 | $1,409.72 | $6,000 | $8,900 |
| Avera Health Plans | ConnectPlus Standard $6000 | Silver | $528.32 | $675.18 | $1,433.83 | $6,000 | $8,900 |
| Avera Health Plans | ConnectPlus $4500 | Silver | $531.01 | $678.62 | $1,441.13 | $4,500 | $10,150 |
| Avera Health Plans | ConnectPlus MyWeighForward $6000 | Silver | $543.52 | $694.60 | $1,475.09 | $6,000 | $8,900 |
| Sanford Health Plan | Sanford Individual Simplicity $3,500 | Silver | $550.66 | $703.74 | $1,494.47 | $3,500 | $9,750 |
| Sanford Health Plan | Sanford Individual Simplicity $4,750 | Silver | $554.95 | $709.23 | $1,506.14 | $4,750 | $9,750 |
| Avera Health Plans | ConnectPlus $0 Silver | Silver | $584.27 | $746.68 | $1,585.68 | $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.