What health insurance costs without a subsidy in Brookings County, South Dakota (2026)
In Brookings County, South Dakota, the benchmark silver plan costs $708.76/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $386.21 to $787.38. A 60-year-old pays at least $820.17/month, a 21-year-old at least $302.20. 3 insurers offer 28 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $302.20/mo
- Age 40 — starting at $386.21/mo
- Age 60 — starting at $820.17/mo
Cost by metal level (age 40, 2026)
- Silver — starting at $679.23/mo
- Gold — starting at $704.44/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Avera Health Plans, Sanford Health Plan, Wellmark of South Dakota, Inc.
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Brookings County (FIPS 46011).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in South Dakota
- Bennett County — $774.01/mo benchmark
- Butte County — $774.01/mo benchmark
- Custer County — $774.01/mo benchmark
- Fall River County — $774.01/mo benchmark
- Haakon County — $774.01/mo benchmark
Plans available in this county (28)
- Sanford Individual Simplicity $10,600 — Catastrophic · $386.21/mo @ 40
- ConnectPlus $10,600 HSA Eligible HDHP — Catastrophic · $405.44/mo @ 40
- Wellmark Bronze Traditional EPO — Expanded Bronze · $513.50/mo @ 40
- Wellmark Bronze HDHP EPO HSA Qualified — Expanded Bronze · $524.39/mo @ 40
- ConnectPlus Standard $7500 HSA Eligible HDHP — Expanded Bronze · $537.42/mo @ 40
- Wellmark Standard Bronze EPO — Expanded Bronze · $550.65/mo @ 40
- Sanford Individual Simplicity Standardized $7,500 — Expanded Bronze · $552.82/mo @ 40
- ConnectPlus $6500 HSA Eligible HDHP — Expanded Bronze · $557.29/mo @ 40
- Sanford Individual Simplicity $6,500 — Expanded Bronze · $575.70/mo @ 40
- ConnectPlus $7500 HSA Eligible HDHP — Expanded Bronze · $585.82/mo @ 40
- Sanford Individual Simplicity $7,200 HSA Qualified — Expanded Bronze · $590.76/mo @ 40
- Wellmark Gold Traditional EPO — Gold · $704.44/mo @ 40
- Wellmark Standard Gold EPO — Gold · $717.03/mo @ 40
- Sanford Individual Simplicity Standardized $2,000 — Gold · $742.53/mo @ 40
- ConnectPlus $1800 — Gold · $746.57/mo @ 40
- ConnectPlus Standard $2000 — Gold · $759.13/mo @ 40
- Sanford Individual Simplicity $1,750 — Gold · $768.50/mo @ 40
- ConnectPlus MyWeighForward $2000 — Gold · $781.15/mo @ 40
- ConnectPlus $0 Gold — Gold · $787.38/mo @ 40
- Sanford Individual Simplicity Standardized $6,000 — Silver · $679.23/mo @ 40
- ConnectPlus Standard $6000 — Silver · $708.76/mo @ 40
- ConnectPlus $4500 — Silver · $712.37/mo @ 40
- Sanford Individual Simplicity $3,500 — Silver · $720.07/mo @ 40
- Wellmark Silver Traditional EPO — Silver · $723.94/mo @ 40
- Sanford Individual Simplicity $4,750 — Silver · $725.69/mo @ 40
- ConnectPlus MyWeighForward $6000 — Silver · $729.15/mo @ 40
- Wellmark Standard Silver EPO — Silver · $736.37/mo @ 40
- ConnectPlus $0 Silver — Silver · $783.82/mo @ 40
Reviewed by Jason Burns, Editorial Steward.