DirectConnect Standard $7500 HSA Eligible HDHP — full price in Lincoln County, South Dakota (2026)
DirectConnect Standard $7500 HSA Eligible HDHP (60536SD0060021), a expanded bronze plan from Avera Health Plans in Lincoln County, South Dakota, costs $406.40/month full price for a 40-year-old in 2026 — $863.05 at 60, with a $7,500 deductible and $10,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 60536SD0060021 · Issuer: Avera Health Plans · 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 | $318.01 |
| 27 | $333.26 |
| 30 | $360.93 |
| 40 | $406.40 |
| 50 | $567.95 |
| 60 | $863.05 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $7,500
- Family deductible: $15,000
- Individual out-of-pocket max: $10,000
- Family out-of-pocket max: $20,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $514.37/mo. This plan is $406.40/mo at 40 — a difference of $-107.97/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 expanded bronze plans in Lincoln County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| DirectConnect $6500 HSA Eligible HDHP | Avera Health Plans | $412.44 |
| Sanford Individual TRUE Standardized $7,500 | Sanford Health Plan | $416.02 |
| Sanford Individual TRUE $6,500 | Sanford Health Plan | $433.24 |
| Sanford Individual TRUE $7,200 HSA Qualified | Sanford Health Plan | $438.16 |
| DirectConnect $7500 HSA Eligible HDHP | Avera Health Plans | $439.82 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 60536SD0060021 in FIPS 46083.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Lincoln County
Reviewed by Jason Burns, Editorial Steward.