ACA plans available
41
Plan year 2026
2026 data Public-data reference. official source
Brown, South Dakota Health Insurance
Open-data reference.
41 ACA plans from 2 issuers - Plan year 2026
Brown, South Dakota offers 41 ACA marketplace plans from 2 issuers for plan year 2026. Silver plans start at $433/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$524
Avg Silver Premium/mo
$441
Benchmark Premium/mo
+15.1%
Year-over-Year Change
$5,346
Avg Deductible
What the Numbers Say About Brown
Brown, South Dakota has 41 ACA marketplace plans offered by 2 issuers for plan year 2026. The average Silver-tier premium comes in at $524/mo for a 27-year-old non-tobacco user, with the lowest Silver at $433 and the highest at $643.
The benchmark (second-lowest Silver) premium is $441/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $5,346 and the average out-of-pocket maximum is $9,220 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Brown shifted by +15.1%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 2 issuers active in Brown, consumers have some competitive choice, though narrower than the most competitive counties. Network types split fairly evenly here between PPO and HMO, so comparing referral rules and out-of-network coverage across those two matters as much as comparing metal tiers. This page is informational only and is not insurance, medical, or tax advice, verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Silver
14 plans$524/mo avg
$433 - $643
Gold
12 plans$562/mo avg
$469 - $646
Catastrophic plan available: avg $298/mo (3 plans) - only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Brown is $441/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
2
Some competition
Benchmark Silver
$441 /mo
Sets your subsidy ceiling
Avg deductible
$5,346
Across all metal tiers
Brown ACA plans by premium and deductible
Each marker is the Brown average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Source: CMS Marketplace Public Use Files for Brown, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Brown
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Avera Health Plans | 23 | $504/mo |
| Sanford Health Plan | 18 | $464/mo |
All Plans in Brown
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Sanford Individual TRUE $10,600 Sanford Health Plan | Catastrophic | HMO | $243.87 | $297.38 | $10,600 | $10,600 |
| Sanford Individual Simplicity $10,600 Sanford Health Plan | Catastrophic | PPO | $316.71 | $386.21 | $10,600 | $10,600 |
| ConnectPlus $10,600 HSA Eligible HDHP Avera Health Plans | Catastrophic | PPO | $332.47 | $405.44 | $10,600 | $10,600 |
| Sanford Individual TRUE Standardized $7,500 Sanford Health Plan | Expanded Bronze | HMO | $349.07 | $425.67 | $7,500 | $10,000 |
| DirectConnect Standard $7500 HSA Eligible HDHP Avera Health Plans | Expanded Bronze | HMO | $349.84 | $426.62 | $7,500 | $10,000 |
| DirectConnect $6500 HSA Eligible HDHP Avera Health Plans | Expanded Bronze | HMO | $355.04 | $432.95 | $6,500 | $10,600 |
| Sanford Individual TRUE $6,500 Sanford Health Plan | Expanded Bronze | HMO | $363.51 | $443.29 | $6,500 | $9,750 |
| Sanford Individual TRUE $7,200 HSA Qualified Sanford Health Plan | Expanded Bronze | HMO | $367.64 | $448.33 | $7,200 | $7,200 |
| DirectConnect $7500 HSA Eligible HDHP Avera Health Plans | Expanded Bronze | HMO | $378.60 | $461.69 | $7,500 | $7,500 |
| ConnectPlus Standard $7500 HSA Eligible HDHP Avera Health Plans | Expanded Bronze | PPO | $440.70 | $537.42 | $7,500 | $10,000 |
| Sanford Individual Simplicity Standardized $7,500 Sanford Health Plan | Expanded Bronze | PPO | $453.33 | $552.82 | $7,500 | $10,000 |
| ConnectPlus $6500 HSA Eligible HDHP Avera Health Plans | Expanded Bronze | PPO | $457.00 | $557.29 | $6,500 | $10,600 |
| Sanford Individual Simplicity $6,500 Sanford Health Plan | Expanded Bronze | PPO | $472.09 | $575.70 | $6,500 | $9,750 |
| ConnectPlus $7500 HSA Eligible HDHP Avera Health Plans | Expanded Bronze | PPO | $480.39 | $585.82 | $7,500 | $7,500 |
| Sanford Individual Simplicity $7,200 HSA Qualified Sanford Health Plan | Expanded Bronze | PPO | $484.44 | $590.76 | $7,200 | $7,200 |
| Sanford Individual TRUE Standardized $6,000 Sanford Health Plan | Silver | HMO | $432.86 | $527.85 | $6,000 | $8,900 |
| DirectConnect Standard $6000 Avera Health Plans | Silver | HMO | $440.63 | $537.34 | $6,000 | $8,900 |
| DirectConnect $4500 Avera Health Plans | Silver | HMO | $442.78 | $539.95 | $4,500 | $10,150 |
| DirectConnect MyWeighForward $6000 Avera Health Plans | Silver | HMO | $459.43 | $560.26 | $6,000 | $8,900 |
| Sanford Individual TRUE $3,500 Sanford Health Plan | Silver | HMO | $460.39 | $561.43 | $3,500 | $9,750 |
| Sanford Individual TRUE $4,750 Sanford Health Plan | Silver | HMO | $468.14 | $570.88 | $4,750 | $9,750 |
| DirectConnect $0 Silver Avera Health Plans | Silver | HMO | $479.61 | $584.86 | $0 | $10,600 |
| Sanford Individual Simplicity Standardized $6,000 Sanford Health Plan | Silver | PPO | $556.99 | $679.23 | $6,000 | $8,900 |
| ConnectPlus Standard $6000 Avera Health Plans | Silver | PPO | $581.20 | $708.76 | $6,000 | $8,900 |
| ConnectPlus $4500 Avera Health Plans | Silver | PPO | $584.16 | $712.37 | $4,500 | $10,150 |
| Sanford Individual Simplicity $3,500 Sanford Health Plan | Silver | PPO | $590.48 | $720.07 | $3,500 | $9,750 |
| Sanford Individual Simplicity $4,750 Sanford Health Plan | Silver | PPO | $595.09 | $725.69 | $4,750 | $9,750 |
| ConnectPlus MyWeighForward $6000 Avera Health Plans | Silver | PPO | $597.92 | $729.15 | $6,000 | $8,900 |
| ConnectPlus $0 Silver Avera Health Plans | Silver | PPO | $642.75 | $783.82 | $0 | $10,600 |
| Sanford Individual TRUE Standardized $2,000 Sanford Health Plan | Gold | HMO | $468.85 | $571.75 | $2,000 | $8,200 |
| Sanford Individual TRUE $1,750 Sanford Health Plan | Gold | HMO | $482.53 | $588.43 | $1,750 | $9,000 |
| DirectConnect $1800 Avera Health Plans | Gold | HMO | $498.54 | $607.95 | $1,800 | $9,000 |
| DirectConnect Standard $2000 Avera Health Plans | Gold | HMO | $501.96 | $612.13 | $2,000 | $8,200 |
| DirectConnect MyWeighForward $2000 Avera Health Plans | Gold | HMO | $516.24 | $629.53 | $2,000 | $8,200 |
| DirectConnect $0 Gold Avera Health Plans | Gold | HMO | $520.57 | $634.82 | $0 | $8,500 |
| Sanford Individual Simplicity Standardized $2,000 Sanford Health Plan | Gold | PPO | $608.90 | $742.53 | $2,000 | $8,200 |
| ConnectPlus $1800 Avera Health Plans | Gold | PPO | $612.21 | $746.57 | $1,800 | $9,000 |
| ConnectPlus Standard $2000 Avera Health Plans | Gold | PPO | $622.51 | $759.13 | $2,000 | $8,200 |
| Sanford Individual Simplicity $1,750 Sanford Health Plan | Gold | PPO | $630.19 | $768.50 | $1,750 | $9,000 |
| ConnectPlus MyWeighForward $2000 Avera Health Plans | Gold | PPO | $640.57 | $781.15 | $2,000 | $8,200 |
| ConnectPlus $0 Gold Avera Health Plans | Gold | PPO | $645.67 | $787.38 | $0 | $8,500 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $443/mo | $374 | $547 | 13 | 2 |
| 2023 | $491/mo | $401 | $602 | 16 | 2 |
| 2024 | $494/mo | $382 | $624 | 16 | 2 |
| 2025 | $485/mo | $404 | $570 | 12 | 2 |
| 2026 | $524/mo | $433 | $643 | 14 | 2 |
Frequently Asked Questions
How many ACA plans are available in Brown, SD?
There are 41 ACA marketplace plans available in Brown from 2 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Brown?
Silver plans in Brown start at $433/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Brown?
The benchmark (second-lowest Silver) premium in Brown is $441/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Brown?
Average premiums in Brown changed by +15.1% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Brown?
The average annual deductible across all plans in Brown is $5,346, and the average out-of-pocket maximum is $9,220. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Brown?
There are 2 insurance issuers offering ACA marketplace plans in Brown, including Avera Health Plans, Sanford Health Plan. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer
This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Brown, SD's $441/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
