Sanford Individual Simplicity $7,200 HSA Qualified — full price in McCook County, South Dakota (2026)
Sanford Individual Simplicity $7,200 HSA Qualified (31195SD0110006), a expanded bronze plan from Sanford Health Plan in McCook County, South Dakota, costs $577.36/month full price for a 40-year-old in 2026 — $1226.09 at 60, with a $7,200 deductible and $7,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 31195SD0110006 · 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 | $451.77 |
| 27 | $473.45 |
| 30 | $512.76 |
| 40 | $577.36 |
| 50 | $806.86 |
| 60 | $1226.09 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $7,200
- Family deductible: $14,400
- Individual out-of-pocket max: $7,200
- Family out-of-pocket max: $14,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $514.37/mo. This plan is $577.36/mo at 40 — a difference of $62.99/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 McCook County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| DirectConnect Standard $7500 HSA Eligible HDHP | Avera Health Plans | $406.40 |
| DirectConnect $6500 HSA Eligible HDHP | Avera Health Plans | $412.44 |
| DirectConnect $7500 HSA Eligible HDHP | Avera Health Plans | $439.82 |
| Wellmark Bronze Traditional EPO | Wellmark of South Dakota, Inc. | $488.64 |
| Wellmark Bronze HDHP EPO HSA Qualified | Wellmark of South Dakota, Inc. | $499.00 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 31195SD0110006 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.