ACA plans available
37
Plan year 2026
2026 data Public-data reference. official source
Clay, South Dakota Health Insurance
Open-data reference.
37 ACA plans from 3 issuers - Plan year 2026
Clay, South Dakota offers 37 ACA marketplace plans from 3 issuers for plan year 2026. Silver plans start at $423/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$539
Avg Silver Premium/mo
$450
Benchmark Premium/mo
+9.4%
Year-over-Year Change
$5,479
Avg Deductible
What the Numbers Say About Clay
Clay, South Dakota has 37 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $539/mo for a 27-year-old non-tobacco user, with the lowest Silver at $423 and the highest at $612.
The benchmark (second-lowest Silver) premium is $450/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 $5,479 and the average out-of-pocket maximum is $9,128 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Clay shifted by +9.4%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 3 issuers active in Clay, consumers have some competitive choice, though narrower than the most competitive counties. PPO is the most common network type in Clay, with HMO and EPO rounding out the alternatives. 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
12 plans$539/mo avg
$423 - $612
Gold
10 plans$565/mo avg
$458 - $616
Catastrophic plan available: avg $288/mo (3 plans) - only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Clay is $450/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
3
Some competition
Benchmark Silver
$450 /mo
Sets your subsidy ceiling
Avg deductible
$5,479
Across all metal tiers
Clay ACA plans by premium and deductible
Each marker is the Clay 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 Clay, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Clay
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Sanford Health Plan | 18 | $453/mo |
| Avera Health Plans | 12 | $527/mo |
| Wellmark of South Dakota, Inc. | 7 | $498/mo |
All Plans in Clay
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Sanford Individual TRUE $10,600 Sanford Health Plan | Catastrophic | HMO | $238.33 | $290.64 | $10,600 | $10,600 |
| Sanford Individual Simplicity $10,600 Sanford Health Plan | Catastrophic | PPO | $309.52 | $377.45 | $10,600 | $10,600 |
| ConnectPlus $10,600 HSA Eligible HDHP Avera Health Plans | Catastrophic | PPO | $316.72 | $386.23 | $10,600 | $10,600 |
| Sanford Individual TRUE Standardized $7,500 Sanford Health Plan | Expanded Bronze | HMO | $341.15 | $416.02 | $7,500 | $10,000 |
| Sanford Individual TRUE $6,500 Sanford Health Plan | Expanded Bronze | HMO | $355.27 | $433.24 | $6,500 | $9,750 |
| Sanford Individual TRUE $7,200 HSA Qualified Sanford Health Plan | Expanded Bronze | HMO | $359.31 | $438.16 | $7,200 | $7,200 |
| Wellmark Bronze Traditional EPO Wellmark of South Dakota, Inc. | Expanded Bronze | EPO | $400.70 | $488.64 | $7,200 | $9,900 |
| Wellmark Bronze HDHP EPO HSA Qualified Wellmark of South Dakota, Inc. | Expanded Bronze | EPO | $409.20 | $499.00 | $8,300 | $8,300 |
| ConnectPlus Standard $7500 HSA Eligible HDHP Avera Health Plans | Expanded Bronze | PPO | $419.82 | $511.96 | $7,500 | $10,000 |
| Wellmark Standard Bronze EPO Wellmark of South Dakota, Inc. | Expanded Bronze | EPO | $429.69 | $523.99 | $7,500 | $10,000 |
| ConnectPlus $6500 HSA Eligible HDHP Avera Health Plans | Expanded Bronze | PPO | $435.35 | $530.89 | $6,500 | $10,600 |
| Sanford Individual Simplicity Standardized $7,500 Sanford Health Plan | Expanded Bronze | PPO | $443.05 | $540.28 | $7,500 | $10,000 |
| ConnectPlus $7500 HSA Eligible HDHP Avera Health Plans | Expanded Bronze | PPO | $457.63 | $558.06 | $7,500 | $7,500 |
| Sanford Individual Simplicity $6,500 Sanford Health Plan | Expanded Bronze | PPO | $461.39 | $562.64 | $6,500 | $9,750 |
| Sanford Individual Simplicity $7,200 HSA Qualified Sanford Health Plan | Expanded Bronze | PPO | $473.45 | $577.36 | $7,200 | $7,200 |
| Sanford Individual TRUE Standardized $6,000 Sanford Health Plan | Silver | HMO | $423.04 | $515.88 | $6,000 | $8,900 |
| Sanford Individual TRUE $3,500 Sanford Health Plan | Silver | HMO | $449.95 | $548.69 | $3,500 | $9,750 |
| Sanford Individual TRUE $4,750 Sanford Health Plan | Silver | HMO | $457.52 | $557.93 | $4,750 | $9,750 |
| Sanford Individual Simplicity Standardized $6,000 Sanford Health Plan | Silver | PPO | $544.36 | $663.83 | $6,000 | $8,900 |
| ConnectPlus Standard $6000 Avera Health Plans | Silver | PPO | $553.67 | $675.18 | $6,000 | $8,900 |
| ConnectPlus $4500 Avera Health Plans | Silver | PPO | $556.48 | $678.62 | $4,500 | $10,150 |
| Wellmark Silver Traditional EPO Wellmark of South Dakota, Inc. | Silver | EPO | $564.92 | $688.90 | $5,000 | $7,500 |
| ConnectPlus MyWeighForward $6000 Avera Health Plans | Silver | PPO | $569.60 | $694.60 | $6,000 | $8,900 |
| Wellmark Standard Silver EPO Wellmark of South Dakota, Inc. | Silver | EPO | $574.62 | $700.73 | $6,000 | $8,900 |
| Sanford Individual Simplicity $3,500 Sanford Health Plan | Silver | PPO | $577.09 | $703.74 | $3,500 | $9,750 |
| Sanford Individual Simplicity $4,750 Sanford Health Plan | Silver | PPO | $581.59 | $709.23 | $4,750 | $9,750 |
| ConnectPlus $0 Silver Avera Health Plans | Silver | PPO | $612.30 | $746.68 | $0 | $10,600 |
| Sanford Individual TRUE Standardized $2,000 Sanford Health Plan | Gold | HMO | $458.22 | $558.78 | $2,000 | $8,200 |
| Sanford Individual TRUE $1,750 Sanford Health Plan | Gold | HMO | $471.59 | $575.08 | $1,750 | $9,000 |
| Wellmark Gold Traditional EPO Wellmark of South Dakota, Inc. | Gold | EPO | $549.70 | $670.34 | $1,750 | $7,500 |
| Wellmark Standard Gold EPO Wellmark of South Dakota, Inc. | Gold | EPO | $559.52 | $682.32 | $2,000 | $8,200 |
| ConnectPlus $1800 Avera Health Plans | Gold | PPO | $583.20 | $711.20 | $1,800 | $9,000 |
| ConnectPlus Standard $2000 Avera Health Plans | Gold | PPO | $593.02 | $723.17 | $2,000 | $8,200 |
| Sanford Individual Simplicity Standardized $2,000 Sanford Health Plan | Gold | PPO | $595.09 | $725.69 | $2,000 | $8,200 |
| ConnectPlus MyWeighForward $2000 Avera Health Plans | Gold | PPO | $610.22 | $744.14 | $2,000 | $8,200 |
| ConnectPlus $0 Gold Avera Health Plans | Gold | PPO | $615.08 | $750.07 | $0 | $8,500 |
| Sanford Individual Simplicity $1,750 Sanford Health Plan | Gold | PPO | $615.90 | $751.07 | $1,750 | $9,000 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $493/mo | $469 | $545 | 7 | 2 |
| 2023 | $547/mo | $512 | $600 | 8 | 2 |
| 2024 | $535/mo | $480 | $622 | 10 | 3 |
| 2025 | $525/mo | $502 | $542 | 8 | 3 |
| 2026 | $539/mo | $423 | $612 | 12 | 3 |
Frequently Asked Questions
How many ACA plans are available in Clay, SD?
There are 37 ACA marketplace plans available in Clay from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Clay?
Silver plans in Clay start at $423/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Clay?
The benchmark (second-lowest Silver) premium in Clay is $450/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 Clay?
Average premiums in Clay changed by +9.4% 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 Clay?
The average annual deductible across all plans in Clay is $5,479, and the average out-of-pocket maximum is $9,128. 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 Clay?
There are 3 insurance issuers offering ACA marketplace plans in Clay, including Sanford Health Plan, Avera Health Plans, Wellmark of South Dakota, Inc.. 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 Clay, SD's $450/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
