Health Insurance Plans in Brown County, South Dakota (2026)
38 ACA marketplace (Obamacare) plans are available in Brown County, SD, from 2 insurers. The cheapest plan starts at $378.04/month before subsidies.
That ranks 5th lowest of the 9 county areas we track in South Dakota, right at the statewide median of $378.04.
Last updated: October 5, 2026 · Source: Official Marketplace Data · How we calculate this
Covers Aberdeen and Groton.
38
Plans Available
$378.04
Cheapest Plan/mo
2
Insurers
HealthCare.gov
Exchange
Insurers With the Cheapest Plans in Brown
Plans Available in Brown
Sorted by monthly premium · 30-year-old · Before subsidies
Sanford Individual TRUE Standardized $7,500
Sanford Health Plan
$378.04/mo
Ded: $7,500
DirectConnect Standard $7500 HSA Eligible HDHP
Avera Health Plans
$378.88/mo
Ded: $7,500
DirectConnect $6500 HSA Eligible HDHP
Avera Health Plans
$384.51/mo
Ded: $6,500
Sanford Individual TRUE $6,500
Sanford Health Plan
$393.69/mo
Ded: $6,500
Sanford Individual TRUE $7,200 HSA Qualified
Sanford Health Plan
$398.16/mo
Ded: $7,200
DirectConnect $7500 HSA Eligible HDHP
Avera Health Plans
$410.03/mo
Ded: $7,500
Sanford Individual TRUE Standardized $6,000
Sanford Health Plan
$468.79/mo
Ded: $6,000
DirectConnect Standard $6000
Avera Health Plans
$477.21/mo
Ded: $6,000
Average Premiums in Brown
Avg Bronze Plan
$447/mo
12 plans
Avg Silver Plan
$567/mo
Benchmark (2nd-lowest Silver): $477.21/mo
Eligible for CSR cost reductions
Deductibles & Out-of-Pocket Limits in Brown
The premium is what you pay monthly; the deductible is what you pay before the plan starts sharing costs, and the out-of-pocket maximum is the most you can pay in a year. A cheaper premium usually means a higher deductible.
| Metal tier | Plans | Typical deductible | Deductible range | Typical out-of-pocket max |
|---|---|---|---|---|
| Bronze | 12 | $7,350 | $6,500–$7,500 | $9,875 |
| Silver | 14 | $4,750 | $0–$6,000 | $9,750 |
| Gold | 12 | $1,900 | $0–$2,000 | $8,350 |
Typical is the middle plan in each tier, not an average, since one $0-deductible variant would otherwise drag the figure below anything on offer. Silver plans can carry much lower deductibles than shown if you qualify for cost-sharing reductions. Check what you qualify for.
$0 and low-cost health insurance in Brown County
At $23,940 a year (150% of the poverty level), a 40-year-old in Brown County can get at least 5 Bronze plans for $0 a month after the premium tax credit.
| Age | Income $23,940 (150% of poverty level) | Income $31,920 (200% of poverty level) |
|---|---|---|
| 30 | $0 (3+ plans) | $76 |
| 40 | $0 (5+ plans) | $64 |
| 60 | $0 (6+ plans) | $0 (5+ plans) |
Medicaid: South Dakota expanded Medicaid, so adults earning up to 138% of the poverty level ($22,025 a year for one person, $45,540 for a family of four) usually qualify, and can apply any time of year.
2026 premiums in Brown County, scaled by age with the CMS age curve; the credit uses the 2026 IRS percentages. "+" is because only the cheapest plans here are counted, so the real number can only be higher. Federal credit only, non-smokers. Income limits · Calculate your own credit
Health insurance companies in Brown County compared by price
2 companies sell Marketplace plans in Brown County. Sanford Health Plan has the cheapest Bronze plan for a 40-year-old, at $426/month before subsidies, and Avera Health Plans offers the most plans (22).
| Company | Plans | Bronze | Silver | Gold | Networks |
|---|---|---|---|---|---|
| Avera Health Plans | 22 | $427 | $537 | $608 | HMO, PPO, HSA |
| Sanford Health Plan | 16 | $426 | $528 | $572 | HMO, PPO, HSA |
Each company's cheapest plan in each tier, from every Marketplace plan sold in Brown County. Networks and doctors vary by plan, so check the provider directory before you enroll.
Nearby Counties in South Dakota
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More South Dakota Health Insurance Guides
Health Insurance in South Dakota
Compare South Dakota's top-rated plans, ranked by official quality scores. See how Brown's $378.04/mo starting premium compares to the statewide picture.
View statewide plans Get a QuoteSee Your Actual Price
Enter your ZIP, age, and income for Brown to see subsidy-adjusted prices.
Compare plansFrequently asked questions about ACA insurance in South Dakota
What is the health insurance marketplace in South Dakota?
The South Dakota (SD) health insurance marketplace is the federal ACA Marketplace at HealthCare.gov, operated by the federal government. Policymage lists 38 South Dakota plans with live marketplace premium data. Open Enrollment runs November 1 through January 15.
How do I compare health insurance plans in South Dakota?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 4 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in South Dakota start from $378.04/month before subsidies.
Which Medicaid plan is best in South Dakota?
There is no single "best" Medicaid plan in South Dakota. Medicaid is administered through MCOs such as Wellmark Blue Cross Blue Shield, Avera Health Plans, Sanford Health Plan. The right plan depends on your county, doctors, and prescriptions. Medicaid (income up to 138% FPL, ~$22,025/year for an individual) is separate from ACA Marketplace plans at HealthCare.gov. Apply year-round through your state Medicaid office.
Is short-term health insurance available in South Dakota?
Short-term health insurance is sold outside the ACA Marketplace in South Dakota by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at HealthCare.gov during Open Enrollment (November 1 to January 15). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in SD?
Health insurance in SD starts as low as $378.04/month for a 30-year-old on a Bronze plan before subsidies. Most South Dakota residents who qualify for APTC pay significantly less, some as low as $0/month for a Bronze plan.
What is the cheapest health insurance option in SD for 2027?
The cheapest ACA option in SD for 2027 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan. Both carry the lowest monthly premium in exchange for a higher deductible. Compare exact South Dakota plans and prices at policymage.com/get-quotes.
How do I get health insurance in South Dakota?
To get health insurance in South Dakota, enroll in an ACA Marketplace plan through HealthCare.gov during Open Enrollment, which runs November 1 through January 15. Plans start at $378.04/month before subsidies. You need your ZIP code, household size, and estimated annual income to apply. Outside Open Enrollment you need a Qualifying Life Event (job loss, marriage, birth, or a move) to enrol through a Special Enrollment Period.
What is the best health insurance in South Dakota?
There is no single best health insurance plan in South Dakota; total annual cost depends on your doctors, prescriptions, and how much care you use. Policymage does not recommend plans. It lets you compare 38 South Dakota plans on premium, deductible, network, and quality rating. Total annual cost is the premium × 12 plus your expected deductible and copays. Cost-Sharing Reductions lower deductibles and copays for incomes between 100% and 250% FPL, and apply only to Silver plans.
How much is health insurance in South Dakota per month?
Health insurance in South Dakota starts at $378.04 per month for a Bronze plan for a 30-year-old, before subsidies. Most residents who qualify for APTC tax credits pay considerably less, and some pay $0/month for a Bronze plan. Your exact monthly cost depends on age, county, household size, and tobacco use.
How do I get free health insurance in South Dakota?
Free or near-free coverage in South Dakota comes from two routes. Medicaid covers adults earning up to 138% of the Federal Poverty Level (roughly $22,025/year for an individual), and you can apply year-round. Above that, APTC subsidies bring many Bronze Marketplace plans to $0/month for South Dakota residents on lower incomes.
When does Open Enrollment end in South Dakota for ACA plans?
Open Enrollment for South Dakota residents runs from November 1 through January 15. South Dakota uses the federal Marketplace at HealthCare.gov, which has a January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does health insurance cost in South Dakota?
Health insurance in South Dakota starts as low as $378.04/month for a 30-year-old on a Bronze plan before subsidies. With APTC tax credits, many South Dakota residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does South Dakota use HealthCare.gov or its own state exchange?
South Dakota uses the federal Health Insurance Marketplace at HealthCare.gov. The federal government (CMS) operates the exchange, processes applications, and calculates subsidies for South Dakota residents.
Has South Dakota expanded Medicaid under the ACA?
Yes. South Dakota has expanded Medicaid, so adults with household income up to 138% of the Federal Poverty Level (approximately $22,025/year for an individual) qualify for free or very low-cost Medicaid. There's no Open Enrollment window; you can apply year-round.
What are the income limits for ACA subsidies in South Dakota?
Premium tax credits cover household income from 100% to 400% of the Federal Poverty Level: about $15,960 to $63,840 a year for an individual, or $33,000 to $132,000 for a family of 4. Below 138% FPL most adults qualify for Medicaid instead. Above 400% FPL there is no credit in 2027: the enhanced rules that removed that limit expired after 2025. Use the HealthCare.gov subsidy calculator for your exact estimate.
What are the metal tiers in South Dakota (Bronze, Silver, Gold, Platinum)?
South Dakota ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in South Dakota?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in South Dakota through HealthCare.gov. For 2026, HDHPs must have a deductible of at least $1,700 (individual) or $3,400 (family), and you can contribute up to $4,400 (individual) or $8,750 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do South Dakota ACA plans cover dental and vision?
South Dakota ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits, but adult dental and vision are not federally required. Most South Dakota plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through HealthCare.gov or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in South Dakota?
Outside Open Enrollment, South Dakota residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through HealthCare.gov.
How do I find in-network doctors and hospitals in South Dakota?
Each South Dakota ACA plan has its own provider network. Before enrolling, look up the plan on HealthCare.gov, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). Out-of-network costs can exceed the premium difference between plans.
Compare Plans in Brown
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