Health insurance plans in Moody County, SD (2026)
58 marketplace plans from 3 insurers are offered in Moody County. The cheapest silver plan is $512 a month for a 40-year-old non-smoker before tax credits.
Cheapest monthly premium by metal level (age 40)
| Metal level | Cheapest premium | Plans |
|---|---|---|
| Bronze | $406 | 18 |
| Silver | $512 | 19 |
| Gold | $579 | 18 |
| Catastrophic | $386 | 3 |
All plans in Moody County
| Insurer | Plan | Metal | Type | Deductible | Out-of-pocket max | Premium (age 40) |
|---|---|---|---|---|---|---|
| Avera Health Plans | ConnectPlus $10,600 HSA Eligible HDHP | Catastrophic | PPO | — | — | $386 |
| Avera Health Plans | DirectConnect Standard $7500 HSA Eligible HDHP | Bronze | HMO | — | — | $406 |
| Avera Health Plans | DirectConnect $6500 HSA Eligible HDHP | Bronze | HMO | — | — | $412 |
| Avera Health Plans | DirectConnect $7500 HSA Eligible HDHP | Bronze | HMO | — | — | $440 |
| Avera Health Plans | ConnectPlus $10,600 HSA Eligible HDHP | Catastrophic | PPO | — | — | $452 |
| Sanford Health Plan | Sanford Individual Simplicity $10,600 | Catastrophic | PPO | — | — | $469 |
| Wellmark of South Dakota, Inc. | Wellmark Bronze Traditional EPO | Bronze | EPO | — | — | $489 |
| Wellmark of South Dakota, Inc. | Wellmark Bronze HDHP EPO HSA Qualified | Bronze | EPO | — | — | $499 |
| Avera Health Plans | DirectConnect Standard $6000 | Silver | HMO | — | — | $512 |
| Avera Health Plans | ConnectPlus Standard $7500 HSA Eligible HDHP | Bronze | PPO | — | — | $512 |
| Avera Health Plans | DirectConnect $4500 | Silver | HMO | — | — | $514 |
| Wellmark of South Dakota, Inc. | Wellmark Standard Bronze EPO | Bronze | EPO | — | — | $524 |
| Avera Health Plans | ConnectPlus $6500 HSA Eligible HDHP | Bronze | PPO | — | — | $531 |
| Avera Health Plans | DirectConnect MyWeighForward $6000 | Silver | HMO | — | — | $534 |
| Wellmark of South Dakota, Inc. | Wellmark Bronze Traditional EPO | Bronze | EPO | — | — | $540 |
| Wellmark of South Dakota, Inc. | Wellmark Bronze HDHP EPO HSA Qualified | Bronze | EPO | — | — | $551 |
| Avera Health Plans | DirectConnect $0 Silver | Silver | HMO | $0 | — | $557 |
| Avera Health Plans | ConnectPlus $7500 HSA Eligible HDHP | Bronze | PPO | — | — | $558 |
| Wellmark of South Dakota, Inc. | Wellmark Standard Bronze EPO | Bronze | EPO | — | — | $579 |
| Avera Health Plans | DirectConnect $1800 | Gold | HMO | — | — | $579 |
| Avera Health Plans | DirectConnect Standard $2000 | Gold | HMO | — | — | $583 |
| Avera Health Plans | DirectConnect MyWeighForward $2000 | Gold | HMO | — | — | $600 |
| Avera Health Plans | ConnectPlus Standard $7500 HSA Eligible HDHP | Bronze | PPO | — | — | $600 |
| Avera Health Plans | DirectConnect $0 Gold | Gold | HMO | $0 | — | $605 |
| Avera Health Plans | ConnectPlus $6500 HSA Eligible HDHP | Bronze | PPO | — | — | $622 |
| Avera Health Plans | ConnectPlus $7500 HSA Eligible HDHP | Bronze | PPO | — | — | $654 |
| Wellmark of South Dakota, Inc. | Wellmark Gold Traditional EPO | Gold | EPO | — | — | $670 |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $7,500 | Bronze | PPO | — | — | $672 |
| Avera Health Plans | ConnectPlus Standard $6000 | Silver | PPO | — | — | $675 |
| Avera Health Plans | ConnectPlus $4500 | Silver | PPO | — | — | $679 |
| Wellmark of South Dakota, Inc. | Wellmark Standard Gold EPO | Gold | EPO | — | — | $682 |
| Wellmark of South Dakota, Inc. | Wellmark Silver Traditional EPO | Silver | EPO | — | — | $689 |
| Avera Health Plans | ConnectPlus MyWeighForward $6000 | Silver | PPO | — | — | $695 |
| Sanford Health Plan | Sanford Individual Simplicity $6,500 | Bronze | PPO | — | — | $699 |
| Wellmark of South Dakota, Inc. | Wellmark Standard Silver EPO | Silver | EPO | — | — | $701 |
| Avera Health Plans | ConnectPlus $1800 | Gold | PPO | — | — | $711 |
| Sanford Health Plan | Sanford Individual Simplicity $7,200 HSA Qualified | Bronze | PPO | — | — | $718 |
| Avera Health Plans | ConnectPlus Standard $2000 | Gold | PPO | — | — | $723 |
| Wellmark of South Dakota, Inc. | Wellmark Gold Traditional EPO | Gold | EPO | — | — | $740 |
| Avera Health Plans | ConnectPlus MyWeighForward $2000 | Gold | PPO | — | — | $744 |
Showing 40 of 58 plans, cheapest first.
How the premium changes with age
Cheapest silver plan by age (the same plan):
| Age | Monthly premium |
|---|---|
| 21 | $401 |
| 40 | $512 |
| 60 | $1,087 |
About these numbers
Premiums are the CMS-listed rate for a single non-smoking adult, before any premium tax credit. Most marketplace buyers qualify for a credit based on household income — the actual price can be far lower than the list rate, especially for silver plans. Deductibles and out-of-pocket maximums are for in-network care and vary by plan design. Check doctor and hospital networks before enrolling: a cheaper plan that excludes your doctors is not cheaper.
Related
All counties in South Dakota · How to choose a plan · Premium tax credits explained · Metal tiers explained
Frequently asked questions
What is the cheapest health insurance plan in Moody County County?
The cheapest plan for a 40-year-old non-smoker is $386 a month (Catastrophic metal level) before tax credits, based on 2026 CMS rate filings. The cheapest silver plan, the benchmark for subsidies, is $512.
How much does health insurance cost in Moody County County?
For a 40-year-old non-smoker the cheapest plans in Moody County start around $386 a month before subsidies. Silver plans cost from $512; premiums rise with age and tobacco use.
How many insurers offer marketplace plans in Moody County County?
3 insurers filed 58 plan options for this county in the 2026 CMS file.