Health Insurance in Clark County, SD
Compare 58 ACA plans and check your subsidy eligibility.
2026 Plan Year Data
Expanded Bronze only
Bronze from
$512/mo
Silver from
$579/mo
Gold from
$514/mo
Benchmark (SLCSP)
What is the Benchmark (SLCSP)? The Second Lowest Cost Silver Plan — the reference plan used to calculate your premium tax credit (subsidy) amount.
Check My Subsidy — See How Much You SaveExpanded Bronze Plans (18)
Like Bronze but with some services covered before you meet your deductible.
DirectConnect Standard $7500 HSA Eligible HDHP
HMO · Avera Health PlansHSA
$406/mo
Age 40 premium
DirectConnect $6500 HSA Eligible HDHP
HMO · Avera Health PlansHSA
$412/mo
Age 40 premium
DirectConnect $7500 HSA Eligible HDHP
HMO · Avera Health PlansHSA
$440/mo
Age 40 premium
Wellmark Bronze Traditional EPO
EPO · Wellmark of South Dakota, Inc.HSA
$489/mo
Age 40 premium
Wellmark Bronze HDHP EPO HSA Qualified
EPO · Wellmark of South Dakota, Inc.HSA
$499/mo
Age 40 premium
ConnectPlus Standard $7500 HSA Eligible HDHP
PPO · Avera Health PlansHSA
$512/mo
Age 40 premium
Wellmark Standard Bronze EPO
EPO · Wellmark of South Dakota, Inc.HSA
$524/mo
Age 40 premium
Wellmark Bronze Traditional EPO
EPO · Wellmark of South Dakota, Inc.HSA
$540/mo
Age 40 premium
Wellmark Bronze HDHP EPO HSA Qualified
EPO · Wellmark of South Dakota, Inc.HSA
$551/mo
Age 40 premium
Wellmark Standard Bronze EPO
EPO · Wellmark of South Dakota, Inc.HSA
$579/mo
Age 40 premium
Sanford Individual Simplicity Standardized $7,500
PPO · Sanford Health PlanHSA
$586/mo
Age 40 premium
ConnectPlus Standard $7500 HSA Eligible HDHP
PPO · Avera Health PlansHSA
$600/mo
Age 40 premium
Sanford Individual Simplicity $7,200 HSA Qualified
PPO · Sanford Health PlanHSA
$626/mo
Age 40 premium
Sanford Individual Simplicity $6,500
PPO · Sanford Health PlanHSA
$699/mo
Age 40 premium
Silver Plans (19)
Middle ground. Required for cost-sharing reductions if your income is 100-250% FPL.
Wellmark Silver Traditional EPO
EPO · Wellmark of South Dakota, Inc.
$689/mo
Age 40 premium
Wellmark Standard Silver EPO
EPO · Wellmark of South Dakota, Inc.
$701/mo
Age 40 premium
Sanford Individual Simplicity Standardized $6,000
PPO · Sanford Health Plan
$720/mo
Age 40 premium
Wellmark Silver Traditional EPO
EPO · Wellmark of South Dakota, Inc.
$761/mo
Age 40 premium
Wellmark Standard Silver EPO
EPO · Wellmark of South Dakota, Inc.
$774/mo
Age 40 premium
Gold Plans (18)
Higher premium, lower out-of-pocket. Good if you use medical services regularly.
Wellmark Gold Traditional EPO
EPO · Wellmark of South Dakota, Inc.
$670/mo
Age 40 premium
Wellmark Gold Traditional EPO
EPO · Wellmark of South Dakota, Inc.
$740/mo
Age 40 premium
Sanford Individual Simplicity Standardized $2,000
PPO · Sanford Health Plan
$787/mo
Age 40 premium
Catastrophic Plans (3)
Very low premium, very high deductible. Only available to people under 30.
ConnectPlus $10,600 HSA Eligible HDHP
PPO · Avera Health PlansHSA
$386/mo
Age 40 premium
Sanford Individual Simplicity $10,600
PPO · Sanford Health PlanHSA
$409/mo
Age 40 premium
ConnectPlus $10,600 HSA Eligible HDHP
PPO · Avera Health PlansHSA
$453/mo
Age 40 premium
South Dakota Expanded Medicaid
Adults with income up to 138% FPL may qualify for Medicaid in South Dakota — often with $0 premiums.
Check Medicaid Eligibility