2026 plan year · South Dakota
2026 health insurance plans in Clay County, SD
37 Marketplace plans from 3 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $549benchmark silver (age 40)
- $416cheapest bronze (age 40)
- 3insurers
- -10.7%benchmark change vs. 2025
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Sanford Individual TRUE Standardized $7,500 Sanford Health Plan · HMO | $326 | $416 | $883 | $7,500 | $10,000 | $50 |
| Sanford Individual TRUE $6,500 Sanford Health Plan · HMO | $339 | $433 | $920 | $6,500 | $9,750 | $50 |
| Sanford Individual TRUE $7,200 HSA Qualified Sanford Health Plan · HMO | $343 | $438 | $930 | $7,200 | $7,200 | No Charge after Deductible |
| Wellmark Bronze Traditional EPO Wellmark of South Dakota, Inc. · EPO | $382 | $489 | $1,038 | $7,200 | $9,900 | $80 |
| Wellmark Bronze HDHP EPO HSA Qualified Wellmark of South Dakota, Inc. · EPO | $390 | $499 | $1,060 | $8,300 | $8,300 | No Charge after Deductible |
| ConnectPlus Standard $7500 HSA Eligible HDHP Avera Health Plans · PPO | $401 | $512 | $1,087 | $7,500 | $10,000 | $50 |
| Wellmark Standard Bronze EPO Wellmark of South Dakota, Inc. · EPO | $410 | $524 | $1,113 | $7,500 | $10,000 | $50 |
| ConnectPlus $6500 HSA Eligible HDHP Avera Health Plans · PPO | $415 | $531 | $1,127 | $6,500 | $10,600 | $60 |
| Sanford Individual Simplicity Standardized $7,500 Sanford Health Plan · PPO | $423 | $540 | $1,147 | $7,500 | $10,000 | $50 |
| ConnectPlus $7500 HSA Eligible HDHP Avera Health Plans · PPO | $437 | $558 | $1,185 | $7,500 | $7,500 | No Charge after Deductible |
| Sanford Individual Simplicity $6,500 Sanford Health Plan · PPO | $440 | $563 | $1,195 | $6,500 | $9,750 | $50 |
| Sanford Individual Simplicity $7,200 HSA Qualified Sanford Health Plan · PPO | $452 | $577 | $1,226 | $7,200 | $7,200 | No Charge after Deductible |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Sanford Individual TRUE Standardized $6,000 Sanford Health Plan · HMO | $404 | $516 | $1,096 | $6,000 | $8,900 | $40 |
| Sanford Individual TRUE $3,500 Sanford Health Plan · HMO | $429 | $549 | $1,165 | $3,500 | $9,750 | $45 |
| Sanford Individual TRUE $4,750 Sanford Health Plan · HMO | $437 | $558 | $1,185 | $4,750 | $9,750 | $45 |
| Sanford Individual Simplicity Standardized $6,000 Sanford Health Plan · PPO | $519 | $664 | $1,410 | $6,000 | $8,900 | $40 |
| ConnectPlus Standard $6000 Avera Health Plans · PPO | $528 | $675 | $1,434 | $6,000 | $8,900 | $40 |
| ConnectPlus $4500 Avera Health Plans · PPO | $531 | $679 | $1,441 | $4,500 | $10,150 | $45 |
| Wellmark Silver Traditional EPO Wellmark of South Dakota, Inc. · EPO | $539 | $689 | $1,463 | $5,000 | $7,500 | $50 |
| ConnectPlus MyWeighForward $6000 Avera Health Plans · PPO | $544 | $695 | $1,475 | $6,000 | $8,900 | $40 |
| Wellmark Standard Silver EPO Wellmark of South Dakota, Inc. · EPO | $548 | $701 | $1,488 | $6,000 | $8,900 | $40 |
| Sanford Individual Simplicity $3,500 Sanford Health Plan · PPO | $551 | $704 | $1,494 | $3,500 | $9,750 | $45 |
| Sanford Individual Simplicity $4,750 Sanford Health Plan · PPO | $555 | $709 | $1,506 | $4,750 | $9,750 | $45 |
| ConnectPlus $0 Silver Avera Health Plans · PPO | $584 | $747 | $1,586 | $0 | $10,600 | $50 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Sanford Individual TRUE Standardized $2,000 Sanford Health Plan · HMO | $437 | $559 | $1,187 | $2,000 | $8,200 | $30 |
| Sanford Individual TRUE $1,750 Sanford Health Plan · HMO | $450 | $575 | $1,221 | $1,750 | $9,000 | No Charge |
| Wellmark Gold Traditional EPO Wellmark of South Dakota, Inc. · EPO | $525 | $670 | $1,424 | $1,750 | $7,500 | $20 |
| Wellmark Standard Gold EPO Wellmark of South Dakota, Inc. · EPO | $534 | $682 | $1,449 | $2,000 | $8,200 | $30 |
| ConnectPlus $1800 Avera Health Plans · PPO | $557 | $711 | $1,510 | $1,800 | $9,000 | $25 |
| ConnectPlus Standard $2000 Avera Health Plans · PPO | $566 | $723 | $1,536 | $2,000 | $8,200 | $30 |
| Sanford Individual Simplicity Standardized $2,000 Sanford Health Plan · PPO | $568 | $726 | $1,541 | $2,000 | $8,200 | $30 |
| ConnectPlus MyWeighForward $2000 Avera Health Plans · PPO | $582 | $744 | $1,580 | $2,000 | $8,200 | $30 |
| ConnectPlus $0 Gold Avera Health Plans · PPO | $587 | $750 | $1,593 | $0 | $8,500 | $20 |
| Sanford Individual Simplicity $1,750 Sanford Health Plan · PPO | $588 | $751 | $1,595 | $1,750 | $9,000 | No Charge |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Sanford Individual TRUE $10,600 Sanford Health Plan · HMO | $227 | $291 | $617 | $10,600 | $10,600 | No Charge after Deductible |
| Sanford Individual Simplicity $10,600 Sanford Health Plan · PPO | $295 | $377 | $802 | $10,600 | $10,600 | No Charge after Deductible |
| ConnectPlus $10,600 HSA Eligible HDHP Avera Health Plans · PPO | $302 | $386 | $820 | $10,600 | $10,600 | No Charge after Deductible |
Care quality in Clay County
Marketplace plans use networks. Check that the hospitals and doctors you'd want are in network, and how they're rated.
Turning 65?
Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Clay County.
Frequently asked questions
How many Marketplace health plans are available in Clay County, SD for 2026?
37 plans from 3 insurers: Avera Health Plans, Sanford Health Plan, Wellmark of South Dakota, Inc..
What is the benchmark silver plan premium in Clay County, SD?
For 2026, the second-lowest-cost silver plan costs $549 a month for a 40-year-old before tax credits, down 10.7% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Clay County, SD?
The lowest bronze premium for a 40-year-old is $416 a month before tax credits. Bronze plans have low premiums but high deductibles.