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South Dakota · 2026 plan year

Bronze health insurance plans in South Dakota (2026)

There are 21 Bronze plans on the South Dakota Marketplace from 3 insurers, and they are not interchangeable — premiums run from $318 to $512 a month for the same metal tier. Here is what separates them.

21
Bronze plans
3
Insurers
66
Counties covered
$318
Cheapest premium
$7,500
Median deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

Every South Dakota Bronze plan is HSA-eligible.

All 21 Bronze plans here meet the IRS high-deductible rules, so any of them can be paired with a health savings account — letting you set aside pre-tax money against the deductible, a median of $7,500 in this tier.

South Dakota Bronze premiums rank 19th cheapest of 35.

Averaged across all 21 plans, Bronze coverage in South Dakota costs $406 a month before subsidies — 19th lowest of the 35 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Cost

What a Bronze plan costs in South Dakota in 2026

Across all 21 Bronze plans in South Dakota, monthly premiums run from $318 to $512, averaging $406. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most South Dakota enrollees, often to a fraction of the sticker price.

Deductibles

Bronze plan deductibles in South Dakota

Bronze deductibles in South Dakota run from $6,500 to $8,300, with a median of $7,500 across all 21 plans — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $7,281 because the spread is not symmetric. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Bronze out-of-pocket maximums in South Dakota

Individual out-of-pocket maximums on South Dakota Bronze plans run from $7,200 to $10,600, with a median of $9,900. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

Lowest premiums

The cheapest Bronze plans in South Dakota

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
DirectConnect Standard $7500 HSA Eligible HDHPAvera Health Plans$318$7,500$10,000
DirectConnect $6500 HSA Eligible HDHPAvera Health Plans$323$6,500$10,600
Sanford Individual TRUE Standardized $7,500Sanford Health Plan$326$7,500$10,000
Sanford Individual TRUE $6,500Sanford Health Plan$339$6,500$9,750
Sanford Individual TRUE $7,200 HSA QualifiedSanford Health Plan$343$7,200$7,200

Showing 5 of 21. See all South Dakota Bronze plans →

Who sells here

Bronze plans by insurer

InsurerBronze plansCheapestTier averageDeductible range
Avera Health Plans9$318$412$6,500–$7,500
Sanford Health Plan6$326$387$6,500–$7,500
Wellmark of South Dakota, Inc.6$382$415$7,200–$8,300
Other tiers in South Dakota

How Bronze compares to the rest

Bronze
Avg $406 · from $318
21 plans · you are here
Silver
Avg $528 · from $401
22 plans
Gold
Avg $555 · from $437
20 plans

All South DakotaMarketplace plans →

Nearby on price

States with similar Bronze premiums

Arkansas
Avg $402
14 Bronze plans
Texas
Avg $410
225 Bronze plans
Montana
Avg $411
29 Bronze plans
Common questions

South Dakota Bronze plans, answered

What are the copays on South Dakota Bronze plans?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. What the tier does bound is the rest of the cost-sharing: across the 21 Bronze plans in South Dakota, out-of-pocket maximums run $7,200 to $10,600, and deductibles on all 21 plans run $6,500 to $8,300. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Bronze plan in South Dakota?
Any South Dakota Marketplace shopper can choose Bronze. It carries the lowest premiums and the highest deductibles, and it is the tier most often paired with a health savings account. One trade-off worth knowing: choosing Bronze rather than Silver forfeits cost-sharing reductions entirely if your income would have qualified you for them.
What is the deductible on South Dakota Bronze plans?
Bronze deductibles in South Dakota run from $6,500 to $8,300 across all 21 plans, with a median of $7,500 — that median is the figure closest to a typical plan. Out-of-pocket maximums run $7,200 to $10,600. The spread inside a single tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Bronze plans available in my South Dakota county?
Bronze plans are sold in 66 South Dakota counties, from 3 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Marketplace plan in South Dakota?
South Dakota uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Bronze premiums in South Dakota start at $318 a month before any subsidy.

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