Sanford Individual Simplicity $3,500 — full price in McCook County, South Dakota (2026)
Sanford Individual Simplicity $3,500 (31195SD0110003), a silver plan from Sanford Health Plan in McCook County, South Dakota, costs $703.74/month full price for a 40-year-old in 2026 — $1494.47 at 60, with a $3,500 deductible and $9,750 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 31195SD0110003 · 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 | $550.66 |
| 27 | $577.09 |
| 30 | $624.99 |
| 40 | $703.74 |
| 50 | $983.47 |
| 60 | $1494.47 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $3,500
- Family deductible: $7,000
- 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 $514.37/mo. This plan is $703.74/mo at 40 — a difference of $189.37/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.
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Other silver plans in McCook County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| DirectConnect Standard $6000 | Avera Health Plans | $511.88 |
| DirectConnect $4500 | Avera Health Plans | $514.37 |
| DirectConnect MyWeighForward $6000 | Avera Health Plans | $533.71 |
| DirectConnect $0 Silver | Avera Health Plans | $557.15 |
| Sanford Individual Simplicity Standardized $6,000 | Sanford Health Plan | $663.83 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 31195SD0110003 in FIPS 46087.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in McCook County
Reviewed by Jason Burns, Editorial Steward.