South Dakota
Cheapest ACA plans in Spearfish, South Dakota for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Spearfish is in Lawrence County, South Dakota. 3 carriers sell 2026 ACA plans on Healthcare.gov for residents of Lawrence County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $540/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Lawrence County, including Spearfish.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Spearfish (Lawrence 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 Lawrence County |
|---|---|---|
| Catastrophic | $453 | 2 |
| Expanded Bronze | $540 | 6 |
| Bronze | $600 | 3 |
| Gold | $740 | 8 |
| Silver | $761 | 9 |
The actual cheapest Bronze plan in Spearfish
Wellmark of South Dakota, Inc Wellmark Bronze Traditional EPO
$540/moFor a family of four (two 40-year-olds and two kids under 14): Wellmark of South Dakota, Inc Wellmark Bronze Traditional EPO at $1,726/month before subsidies.
Carriers selling 2026 plans in Spearfish
3 carriers sell 2026 plans on Healthcare.gov for Lawrence County residents. 41 plans total in Lawrence County.
| Carrier | On-exchange plans |
|---|---|
| Avera Health Plans | 12 |
| Sanford Health Plan | 9 |
| Wellmark of South Dakota, Inc | 7 |
What you'll actually pay in Spearfish
Estimated monthly net premium for the cheapest Bronze plan above ($540/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Lawrence 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% | $677/mo | $0/mo |
| $40,000 | 256% | $488/mo | $52/mo |
| $60,000 | 383% | $277/mo | $263/mo |
| $100,000 | 639% | — | $540/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% | $1,915/mo | $0/mo |
| $130,000 | 404% | — | $1,726/mo |
| $200,000 | 622% | — | $1,726/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 Spearfish, South Dakota for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Wellmark of South Dakota, Inc Wellmark Bronze Traditional EPO at $540 per month before subsidies. Plans sell through Healthcare.gov. Spearfish is in Lawrence County, South Dakota; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Spearfish's 2026 ACA pricing compare to other South Dakota cities?
Cheapest Bronze for a 40-year-old in Spearfish is $540 per month before subsidies. For comparison: Sioux Falls at $406/mo; Rapid City at $540/mo; Brookings at $514/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
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
- Statewide South Dakota pricing and metal tiers
- Sioux Falls pricingcheapest Bronze $406/mo
- Rapid City pricingcheapest Bronze $540/mo
- Brookings pricingcheapest Bronze $514/mo
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.