ACA plans available
39
Plan year 2026
CMS Marketplace county · plan year 2026
McCook, South Dakota ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $529
- Silver avg/mo
- 39
- ACA plans
- 3
- Issuers
- +3.4%
- YoY premium
Silver avg $529/mo
McCook, South Dakota has 39 ACA marketplace plans from 3 issuers (plan year 2026). Average Silver premium is $529/mo; Bronze averages $414/mo and Gold $555/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1741 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $422/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, McCook, South Dakota ranks #1,741 of 2,055 counties by listed Silver average ($529/mo) and #1,244 of 2,055 by plan count (39 plans).
- #1,741 of 2,055
- Silver average among 2,055 counties
- $529
- Listed Silver average /mo
- #1,244 of 2,055
- Plan count among 2,055 counties
- 39
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
McCook, South Dakota offers 39 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $333/mo and Silver plans start at $420/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$529
Avg Silver Premium/mo
$422
Benchmark Premium/mo
+3.4%
Year-over-Year Change
$5,307
Avg Deductible
Lower-premium band
McCook in the lower-premium third
$529/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1741 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $420–$612/mo. PPO is the most common network type in McCook, with HMO and EPO rounding out the alternatives.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
12 plans$414/mo avg
$333 - $473
Silver
13 plans$529/mo avg
$420 - $612
Gold
12 plans$555/mo avg
$475 - $616
Catastrophic plan available: avg $313/mo (2 plans) - only for individuals under 30 or with a hardship exemption.
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in McCook is $422/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.
Issuers in market
3
Some competition
Benchmark Silver
$422 /mo
Sets your subsidy ceiling
Avg deductible
$5,307
Across all metal tiers
C-
Marketplace Access Score
51/100
McCook
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability A-
$422/mo
Benchmark Silver premium; rank #1741 of 2055 tracked counties (cheapest first)
Plan Choice F
39 plans
ACA marketplace plan count; rank #1244 of 2055 tracked counties (most first)
Issuer Competition F
3 issuers
Distinct marketplace issuers; rank #1355 of 2055 tracked counties (most first)
Cost Predictability F
$5,307
Average deductible across tracked plans; rank #546 of 2055 tracked counties (lowest first)
McCook ACA plans by premium and deductible
Each marker is the McCook 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.
McCook ACA marketplace plans: premium vs deductible
How McCook's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
McCook vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$529 1741st of 2055 higher than 314 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Issuers in McCook
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Avera Health Plans | 23 | $480/mo |
| Sanford Health Plan | 9 | $511/mo |
| Wellmark of South Dakota, Inc. | 7 | $498/mo |
All Plans in McCook
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| 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 |
| DirectConnect Standard $7500 HSA Eligible HDHP Avera Health Plans | Expanded Bronze | HMO | $333.26 | $406.40 | $7,500 | $10,000 |
| DirectConnect $6500 HSA Eligible HDHP Avera Health Plans | Expanded Bronze | HMO | $338.21 | $412.44 | $6,500 | $10,600 |
| DirectConnect $7500 HSA Eligible HDHP Avera Health Plans | Expanded Bronze | HMO | $360.66 | $439.82 | $7,500 | $7,500 |
| 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 |
| DirectConnect Standard $6000 Avera Health Plans | Silver | HMO | $419.75 | $511.88 | $6,000 | $8,900 |
| DirectConnect $4500 Avera Health Plans | Silver | HMO | $421.80 | $514.37 | $4,500 | $10,150 |
| DirectConnect MyWeighForward $6000 Avera Health Plans | Silver | HMO | $437.66 | $533.71 | $6,000 | $8,900 |
| DirectConnect $0 Silver Avera Health Plans | Silver | HMO | $456.88 | $557.15 | $0 | $10,600 |
| 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 |
| DirectConnect $1800 Avera Health Plans | Gold | HMO | $474.91 | $579.14 | $1,800 | $9,000 |
| DirectConnect Standard $2000 Avera Health Plans | Gold | HMO | $478.18 | $583.13 | $2,000 | $8,200 |
| DirectConnect MyWeighForward $2000 Avera Health Plans | Gold | HMO | $491.78 | $599.71 | $2,000 | $8,200 |
| DirectConnect $0 Gold Avera Health Plans | Gold | HMO | $495.91 | $604.74 | $0 | $8,500 |
| 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 | $529/mo | $420 | $612 | 13 | 3 |
What this means for McCook
Use McCook's own numbers here, not a national average, before you enroll.
- $529/mo Silver average sits in the bottom third of tracked counties nationally -- a subsidized Silver plan can already beat Bronze on total cost here. See how subsidies work
- 39 plans from 3 issuers here -- see how that stacks up against the cheapest counties nationwide. See cheapest counties
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Why is McCook's Silver premium in the lower band?
McCook ranks #1741 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $529/mo. See /methodology#corpus-placement.
How many ACA plans are available in McCook, SD?
There are 39 ACA marketplace plans available in McCook from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in McCook?
The lowest-premium plan in McCook starts at $333/mo (Bronze tier, age 27). Silver plans start at $420/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for McCook?
The benchmark (second-lowest Silver) premium in McCook is $422/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 McCook?
The average age-27 premium in McCook changed by +3.4% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
What is the average deductible and out-of-pocket maximum in McCook?
The average annual deductible across all plans in McCook is $5,307, and the average out-of-pocket maximum is $9,106. 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 McCook?
There are 3 insurance issuers offering ACA marketplace plans in McCook, including Avera Health Plans, Sanford Health Plan, 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 McCook, SD's $422/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for McCook, SD, both outside SD so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($422/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (3 here).
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.