Sanford Individual Simplicity $10,600 — full price in Spink County, South Dakota (2026)
Sanford Individual Simplicity $10,600 (31195SD0110009), a catastrophic plan from Sanford Health Plan in Spink County, South Dakota, costs $386.21/month full price for a 40-year-old in 2026 — $820.17 at 60, with a $10,600 deductible and $10,600 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 31195SD0110009 · 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 | $302.20 |
| 27 | $316.71 |
| 30 | $343.00 |
| 40 | $386.21 |
| 50 | $539.73 |
| 60 | $820.17 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $10,600
- Family deductible: $21,200
- Individual out-of-pocket max: $10,600
- Family out-of-pocket max: $21,200
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $708.76/mo. This plan is $386.21/mo at 40 — a difference of $-322.55/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 catastrophic plans in Spink County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| ConnectPlus $10,600 HSA Eligible HDHP | Avera Health Plans | $405.44 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 31195SD0110009 in FIPS 46115.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Spink County
Reviewed by Jason Burns, Editorial Steward.