DirectConnect $4500 — full price in Lincoln County, South Dakota (2026)
DirectConnect $4500 (60536SD0060031), a silver plan from Avera Health Plans in Lincoln County, South Dakota, costs $514.37/month full price for a 40-year-old in 2026 — $1092.34 at 60, with a $4,500 deductible and $10,150 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 60536SD0060031 · 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 | $402.49 |
| 27 | $421.80 |
| 30 | $456.81 |
| 40 | $514.37 |
| 50 | $718.83 |
| 60 | $1092.34 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $4,500
- Family deductible: $9,000
- Individual out-of-pocket max: $10,150
- Family out-of-pocket max: $20,300
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $514.37/mo. This plan is $514.37/mo at 40 — a difference of $0.00/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 Lincoln County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| DirectConnect Standard $6000 | Avera Health Plans | $511.88 |
| Sanford Individual TRUE Standardized $6,000 | Sanford Health Plan | $515.88 |
| DirectConnect MyWeighForward $6000 | Avera Health Plans | $533.71 |
| Sanford Individual TRUE $3,500 | Sanford Health Plan | $548.69 |
| DirectConnect $0 Silver | Avera Health Plans | $557.15 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 60536SD0060031 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.