South Dakota
Cheapest ACA plans in Brown County, South Dakota for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Brown County, South Dakota has 2 on-exchange carriers offering 41 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is Sanford Health Plan TRUE Standardized 7500 at $426 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Brown County, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Brown County |
|---|---|---|
| Catastrophic | $297 | 3 |
| Expanded Bronze | $426 | 6 |
| Bronze | $427 | 6 |
| Silver | $528 | 14 |
| Gold | $572 | 12 |
The actual cheapest Bronze plan in Brown County
Sanford Health Plan TRUE Standardized 7500
$426/moFor a family of four (two 40-year-olds and two kids under 14): Sanford Health Plan TRUE Standardized 7500 at $1,361/month before subsidies.
Carriers selling 2026 plans in Brown County
2 carriers sell 2026 plans on Healthcare.gov. 66 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| Avera Health Plans | 23 |
| Sanford Health Plan | 18 |
What you'll actually pay in Brown County
Estimated monthly net premium for the cheapest Bronze plan above ($426/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Brown Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $441/mo | $0/mo |
| $40,000 | 256% | $251/mo | $175/mo |
| $60,000 | 383% | $40/mo | $386/mo |
| $100,000 | 639% | — | $426/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $1,159/mo | $202/mo |
| $130,000 | 404% | — | $1,361/mo |
| $200,000 | 622% | — | $1,361/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Brown County, South Dakota for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Sanford Health Plan TRUE Standardized 7500 at $426 per month before subsidies. Plans sell through Healthcare.gov. Data refreshed 2026-04-19T08:08:55.462Z.
Does South Dakota use Healthcare.gov?
Yes. South Dakota participates in the federally-facilitated Marketplace (FFM), so enrollment and subsidy applications run through healthcare.gov. South Dakota does not operate a state-based exchange.
Has South Dakota expanded Medicaid?
Yes, effective July 1, 2023. South Dakota voters approved Constitutional Amendment D in November 2022 with 56% support, adding Medicaid expansion to the state constitution. Adults 19-64 with income up to 138% FPL qualify regardless of parental status or disability, so there is no coverage gap.
What was Amendment D?
Amendment D was a 2022 South Dakota ballot initiative that amended the state constitution to require Medicaid expansion under the ACA. Voters approved it in November 2022 with 56% support, and the state implemented expansion on July 1, 2023.
More South Dakota pricing
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- South Dakota Division of Insurance for rate review, carrier filings, and consumer guidance.
- South Dakota Medicaid: Department of Social Services for Medicaid expansion eligibility and enrollment.
- South Dakota Amendment D (2022 Ballot) for the voter-approved Medicaid expansion.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.