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Marketplace health plans in McCook County, SD — 2026
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 2026, McCook County, South Dakota has 39 Marketplace health plans from 3 insurers: 12 bronze, 13 silver, 12 gold, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $514.37 per month; the lowest bronze premium is $406.40.
What changed vs 2025
- Benchmark silver premium down $100.03 a month (−16.3%) from 2025
- 13 more plans than 2025
- Lowest bronze premium down $52.01 a month
Market snapshot
- Residents under 65
- 4,669
- Insurers
- 3
- Plans by metal level
- 12 bronze, 13 silver, 12 gold, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $514.37/mo
- Lowest bronze premium, age 40, before subsidies
- $406.40/mo
- Lowest gold premium, age 40, before subsidies
- $579.14/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $7,200
Insurers in the county
- Avera Health Plans — 23 plans (Catastrophic, Bronze, Silver, Gold)
- Sanford Health Plan — 9 plans (Catastrophic, 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 |
|---|
| Catastrophic | Sanford Individual Simplicity $10,600 (31195SD0110009) | Sanford Health Plan | PPO | $377.45 | $10,600 | $10,600 | 2 |
|---|
| Bronze | DirectConnect Standard $7500 HSA Eligible HDHP (60536SD0060021) | Avera Health Plans | HMO | $406.40 | $7,500 | $10,000 | 12 |
|---|
| Silver | DirectConnect Standard $6000 (60536SD0060018) | Avera Health Plans | HMO | $511.88 | $6,000 | $8,900 | 13 |
|---|
| Gold | DirectConnect $1800 (60536SD0060022) | Avera Health Plans | HMO | $579.14 | $1,800 | $9,000 | 12 |
|---|
One plan per metal level shown, of 39 plans in the county.
Benchmark silver premium by age
The benchmark plan (Avera Health Plans) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $402.49 | $421.80 | $456.81 | $514.37 | $718.83 | $1,092.34 |
Nearby counties
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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 2026; 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.