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South Dakota · 2026 plan year

Gold health insurance plans in South Dakota

There are 20 Gold plans on the South Dakota Marketplace from 3 insurers, and they are not interchangeable — premiums run from $437 to $688 a month for the same metal tier. Here is what separates them.

20
Gold plans
3
Insurers
66
Counties covered
$437
Cheapest premium
$1,620
Average 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.

South Dakota Gold premiums rank 14th cheapest of 30.

Averaged across all 20 plans, Gold coverage in South Dakota costs $555 a month before subsidies — 14th lowest of the 30 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.

Lowest premiums

The cheapest Gold plans in South Dakota

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Sanford Individual TRUE Standardized $2,000Sanford Health Plan$437$2,000$8,200
Sanford Individual TRUE $1,750Sanford Health Plan$450$1,750$9,000
DirectConnect $1800Avera Health Plans$453$1,800$9,000
DirectConnect Standard $2000Avera Health Plans$456$2,000$8,200
DirectConnect MyWeighForward $2000Avera Health Plans$469$2,000$8,200

Showing 5 of 20. See all South Dakota Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier average
Avera Health Plans12$453$569
Sanford Health Plan4$437$511
Wellmark of South Dakota, Inc.4$525$557
Other tiers in South Dakota

How Gold compares to the rest

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

All South DakotaMarketplace plans →

Nearby on price

States with similar Gold premiums

Wisconsin
Avg $553
104 Gold plans
North Carolina
Avg $558
49 Gold plans
Louisiana
Avg $559
29 Gold plans
Common questions

South Dakota Gold plans, answered

What are the copays on a South Dakota Gold plan?
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. Across the 20 Gold plans in South Dakota, deductibles average $1,620 and the out-of-pocket maximum averages $8,375. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in South Dakota?
Any South Dakota Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — averaging $1,620 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on a South Dakota Gold plan?
The average across all 20 Gold plans in South Dakota is $1,620, with an average out-of-pocket maximum of $8,375. The range within the 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 Gold plans available in my South Dakota county?
Gold 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 South Dakota Marketplace plan?
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 Gold premiums in South Dakota start at $437 a month before any subsidy.

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