Sanford Individual TRUE $4,750 — full price in Clay County, South Dakota (2026)
Sanford Individual TRUE $4,750 (31195SD0080016), a silver plan from Sanford Health Plan in Clay County, South Dakota, costs $557.93/month full price for a 40-year-old in 2026 — $1184.83 at 60, with a $4,750 deductible and $9,750 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 31195SD0080016 · Issuer: Sanford Health Plan · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $436.56 |
| 27 | $457.52 |
| 30 | $495.50 |
| 40 | $557.93 |
| 50 | $779.70 |
| 60 | $1184.83 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $4,750
- Family deductible: $9,500
- Individual out-of-pocket max: $9,750
- Family out-of-pocket max: $19,500
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $548.69/mo. This plan is $557.93/mo at 40 — a difference of $9.24/mo.
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 — 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.
Other silver plans in Clay County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Sanford Individual TRUE Standardized $6,000 | Sanford Health Plan | $515.88 |
| Sanford Individual TRUE $3,500 | Sanford Health Plan | $548.69 |
| Sanford Individual Simplicity Standardized $6,000 | Sanford Health Plan | $663.83 |
| ConnectPlus Standard $6000 | Avera Health Plans | $675.18 |
| ConnectPlus $4500 | Avera Health Plans | $678.62 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 31195SD0080016 in FIPS 46027.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Clay County
Reviewed by Jason Burns, Editorial Steward.