DirectConnect Standard $6000 — full price in McCook County, South Dakota (2026)
DirectConnect Standard $6000 (60536SD0060018), a silver plan from Avera Health Plans in McCook County, South Dakota, costs $511.88/month full price for a 40-year-old in 2026 — $1087.04 at 60, with a $6,000 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape. 2027 plans for McCook County are now available.
HIOS plan ID: 60536SD0060018 · 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 | $400.54 |
| 27 | $419.75 |
| 30 | $454.60 |
| 40 | $511.88 |
| 50 | $715.35 |
| 60 | $1087.04 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,000
- Family deductible: $12,000
- Individual out-of-pocket max: $8,900
- Family out-of-pocket max: $17,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $514.37/mo. This plan is $511.88/mo at 40 — a difference of $-2.49/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 McCook County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| 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 |
| ConnectPlus Standard $6000 | Avera Health Plans | $675.18 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 60536SD0060018 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.
Source record: privatehealthinsurancedirectanswers.com/plan/sd/mccook/60536sd0060018 · Record ID PHI-143PPSL1