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Marketplace health plans in Union 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, Union County, South Dakota has 37 Marketplace health plans from 3 insurers: 12 bronze, 12 silver, 10 gold, 3 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $548.69 per month; the lowest bronze premium is $416.02.
What changed vs 2025
- Benchmark silver premium down $65.71 a month (−10.7%) from 2025
- 11 more plans than 2025
- Lowest bronze premium down $42.39 a month
Market snapshot
- Residents under 65
- 13,753
- Insurers
- 3
- Plans by metal level
- 12 bronze, 12 silver, 10 gold, 3 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $548.69/mo
- Lowest bronze premium, age 40, before subsidies
- $416.02/mo
- Lowest gold premium, age 40, before subsidies
- $558.78/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $7,200
Insurers in the county
- Sanford Health Plan — 18 plans (Catastrophic, Bronze, Silver, Gold)
- Avera Health Plans — 12 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 TRUE $10,600 (31195SD0080015) | Sanford Health Plan | HMO | $290.64 | $10,600 | $10,600 | 3 |
|---|
| Bronze | Sanford Individual TRUE Standardized $7,500 (31195SD0080026) | Sanford Health Plan | HMO | $416.02 | $7,500 | $10,000 | 12 |
|---|
| Silver | Sanford Individual TRUE Standardized $6,000 (31195SD0080027) | Sanford Health Plan | HMO | $515.88 | $6,000 | $8,900 | 12 |
|---|
| Gold | Sanford Individual TRUE Standardized $2,000 (31195SD0080028) | Sanford Health Plan | HMO | $558.78 | $2,000 | $8,200 | 10 |
|---|
One plan per metal level shown, of 37 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 |
|---|
| $429.34 | $449.95 | $487.30 | $548.69 | $766.79 | $1,165.21 |
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.