Sanford Individual Simplicity $3,500 — full price in McPherson County, South Dakota (2026)
Sanford Individual Simplicity $3,500 (31195SD0110003), a silver plan from Sanford Health Plan in McPherson County, South Dakota, costs $720.07/month full price for a 40-year-old in 2026 — $1529.16 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 | $563.44 |
| 27 | $590.48 |
| 30 | $639.50 |
| 40 | $720.07 |
| 50 | $1006.29 |
| 60 | $1529.16 |
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 $708.76/mo. This plan is $720.07/mo at 40 — a difference of $11.31/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 McPherson County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Sanford Individual Simplicity Standardized $6,000 | Sanford Health Plan | $679.23 |
| ConnectPlus Standard $6000 | Avera Health Plans | $708.76 |
| ConnectPlus $4500 | Avera Health Plans | $712.37 |
| Wellmark Silver Traditional EPO | Wellmark of South Dakota, Inc. | $723.94 |
| Sanford Individual Simplicity $4,750 | Sanford Health Plan | $725.69 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 31195SD0110003 in FIPS 46089.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in McPherson County
Reviewed by Jason Burns, Editorial Steward.