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Marketplace health plans in Lake County, SD — 2027
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2027, Lake County, South Dakota has 25 Marketplace health plans from 3 insurers: 9 bronze, 9 silver, 7 gold. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $718.53 per month; the lowest bronze premium is $507.01.
What changed vs 2026
- Benchmark silver premium up $43.35 a month (+6.4%) from 2026
- 3 fewer plans than 2026
- Lowest bronze premium up $18.37 a month
Market snapshot
- Residents under 65
- 8,306
- Insurers
- 3
- Plans by metal level
- 9 bronze, 9 silver, 7 gold
- Benchmark silver premium, age 40, before subsidies
- $718.53/mo
- Lowest bronze premium, age 40, before subsidies
- $507.01/mo
- Lowest gold premium, age 40, before subsidies
- $730.30/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $8,000
Insurers in the county
- Avera Health Plans — 10 plans (Bronze, Silver, Gold)
- Sanford Health Plan — 8 plans (Bronze, Silver, Gold)
- Wellmark of South Dakota, Inc. — 7 plans (Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|---|---|---|---|---|---|---|
| Bronze | Wellmark Bronze Traditional EPO (50305SD0310008) | Wellmark of South Dakota, Inc. | EPO | $507.01 | $7,200 | $11,500 | 9 |
| Silver | Wellmark Silver Traditional EPO (50305SD0310010) | Wellmark of South Dakota, Inc. | EPO | $716.77 | $5,000 | $8,500 | 9 |
| Gold | Wellmark Standard Gold EPO (50305SD0310014) | Wellmark of South Dakota, Inc. | EPO | $730.30 | $2,500 | $8,600 | 7 |
One plan per metal level shown, of 25 plans in the county.
Benchmark silver premium by age
The benchmark plan (Sanford Health Plan) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| $562.24 | $589.22 | $638.13 | $718.53 | $1,004.14 | $1,525.89 |
Nearby counties
Agent Tools
Free tools for licensed agents working Lake County.
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Free tools for licensed insurance agents. Data from CMS public files; verify with plan documents before advising a client.
About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2027; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.