ACA plans available
28
Plan year 2026
2026 data Public-data reference. official source
Moody, South Dakota Health Insurance
Open-data reference.
28 ACA plans from 3 issuers — Plan year 2026
Moody, South Dakota offers 28 ACA marketplace plans from 3 issuers for plan year 2026. Silver plans start at $544/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$571
Avg Silver Premium/mo
$554
Benchmark Premium/mo
+16.3%
Year-over-Year Change
$5,460
Avg Deductible
What the Numbers Say About Moody
Moody, South Dakota has 28 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $571/mo for a 27-year-old non-tobacco user, with the lowest Silver at $544 and the highest at $612.
The benchmark (second-lowest Silver) premium is $554/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 $5,460 and the average out-of-pocket maximum is $9,093 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Moody shifted by +16.3%, 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 Moody, consumers have some competitive choice, though narrower than the most competitive counties. 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
9 plans$571/mo avg
$544 — $612
Gold
8 plans$590/mo avg
$550 — $616
Catastrophic plan available: avg $313/mo (2 plans) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Moody is $554/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
$554 /mo
Sets your subsidy ceiling
Avg deductible
$5,460
Across all metal tiers
Moody ACA plans by premium and deductible
Each marker is the Moody 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 Moody, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Moody
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Avera Health Plans | 12 | $527/mo |
| Sanford Health Plan | 9 | $511/mo |
| Wellmark of South Dakota, Inc. | 7 | $498/mo |
All Plans in Moody
| 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 |
| 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 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 |
| 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 | $571/mo | $544 | $612 | 9 | 3 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Explore South Dakota ACA Data
All of South Dakota
Statewide premiums, every county ranked by Silver average
Cheapest states
Where ACA premiums are lowest nationwide
Estimate your subsidy
Premium tax credit calculator using your county benchmark
Frequently Asked Questions
How many ACA plans are available in Moody, SD?
There are 28 ACA marketplace plans available in Moody from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Moody?
Silver plans in Moody start at $544/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Moody?
The benchmark (second-lowest Silver) premium in Moody is $554/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 Moody?
Average premiums in Moody changed by +16.3% 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 Moody?
The average annual deductible across all plans in Moody is $5,460, and the average out-of-pocket maximum is $9,093. 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 Moody?
There are 3 insurance issuers offering ACA marketplace plans in Moody, 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.
Related
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
