The health insurance rates listed below are for calendar year 2019.
2019 Rates and Providers
(click here for 2014)
(click here for 2015)
(click here for 2016)
(click here for 2017)
(click here for 2018)
This page gives you an overview of the rates for individual and family health insurance plans available from HealthCare.gov, the marketplace for Madison, SD.
Obamacare Providers, Plans and 2019 Rates for Lake County
Lake County is in “Rating Area 2” of South Dakota.
Currently, there are 15 plans offered in Rating Area 2.
Below, you’ll find a summary of plans and rates for each of these providers.‡ This chart is designed to give you a preview of your health insurance options. For detailed information on available subsidies to make your coverage affordable, you must complete an application at HealthCare.gov or contact the provider directly.
The table below shows premiums for the following scenarios for:
- Individual
- Couple
- Couple with 1 2 or 3 children
- Individual with 1 2 or 3 children
- A child alone
Each scenario is covered for age
- Age 21, 30, 40, 50
- Age 60 (Individual and Couple only)
For each plan, there are links that go to the insurance provider's website in a new window. You can find links to:
- a summary of plan benefits and costs,
- a plan brochure, and
- a "Provider Directory" -- where you can find out which doctors and hospitals in the Madison, SD area accept this insurance coverage as within the plan's "network".
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Sanford Health PlanLocal: 1-605-328-6800 | Toll Free: 1-800-752-5863 TTY: 1-877-652-1844 |
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Plan: (PPO) Sanford Simplicity $1,750Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-800-752-5863 - Provider Directory for This Plan: (Sanford Health Plan)
Deductible: Individual:
$1,750
: Family:
$3,500 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Gold | 21 30 40 50 60 |
$510.95 $579.92 $652.99 $912.55 $1,386.71 |
$1,021.90 $1,159.84 $1,305.98 $1,825.10 $2,773.42 |
$1,412.77 $1,550.71 $1,696.85 $2,215.97 |
$1,803.64 $1,941.58 $2,087.72 $2,606.84 |
$2,194.51 $2,332.45 $2,478.59 $2,997.71 |
$901.82 $970.79 $1,043.86 $1,303.42 |
$1,292.69 $1,361.66 $1,434.73 $1,694.29 |
$1,683.56 $1,752.53 $1,825.60 $2,085.16 |
$466.49 |
Plan: (PPO) Sanford Simplicity $2,800Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-800-752-5863 - Provider Directory for This Plan: (Sanford Health Plan)
Deductible: Individual:
$2,800
: Family:
$5,600 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Silver | 21 30 40 50 60 |
$475.06 $539.19 $607.13 $848.46 $1,289.31 |
$950.12 $1,078.38 $1,214.26 $1,696.92 $2,578.62 |
$1,313.54 $1,441.80 $1,577.68 $2,060.34 |
$1,676.96 $1,805.22 $1,941.10 $2,423.76 |
$2,040.38 $2,168.64 $2,304.52 $2,787.18 |
$838.48 $902.61 $970.55 $1,211.88 |
$1,201.90 $1,266.03 $1,333.97 $1,575.30 |
$1,565.32 $1,629.45 $1,697.39 $1,938.72 |
$433.73 |
Plan: (PPO) Sanford Simplicity $3,500Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-800-752-5863 - Provider Directory for This Plan: (Sanford Health Plan)
Deductible: Individual:
$3,500
: Family:
$7,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Silver | 21 30 40 50 60 |
$490.52 $556.74 $626.88 $876.06 $1,331.26 |
$981.04 $1,113.48 $1,253.76 $1,752.12 $2,662.52 |
$1,356.28 $1,488.72 $1,629.00 $2,127.36 |
$1,731.52 $1,863.96 $2,004.24 $2,502.60 |
$2,106.76 $2,239.20 $2,379.48 $2,877.84 |
$865.76 $931.98 $1,002.12 $1,251.30 |
$1,241.00 $1,307.22 $1,377.36 $1,626.54 |
$1,616.24 $1,682.46 $1,752.60 $2,001.78 |
$447.84 |
Plan: (PPO) Sanford Simplicity $4,750Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-800-752-5863 - Provider Directory for This Plan: (Sanford Health Plan)
Deductible: Individual:
$4,750
: Family:
$9,500 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Silver | 21 30 40 50 60 |
$445.25 $505.36 $569.03 $795.21 $1,208.41 |
$890.50 $1,010.72 $1,138.06 $1,590.42 $2,416.82 |
$1,231.12 $1,351.34 $1,478.68 $1,931.04 |
$1,571.74 $1,691.96 $1,819.30 $2,271.66 |
$1,912.36 $2,032.58 $2,159.92 $2,612.28 |
$785.87 $845.98 $909.65 $1,135.83 |
$1,126.49 $1,186.60 $1,250.27 $1,476.45 |
$1,467.11 $1,527.22 $1,590.89 $1,817.07 |
$406.51 |
Plan: (PPO) Sanford Simplicity $5,000 HSA/HDHPSummary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-800-752-5863 - Provider Directory for This Plan: (Sanford Health Plan)
Deductible: Individual:
$5,000
: Family:
$10,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Expanded Bronze | 21 30 40 50 60 |
$392.27 $445.23 $501.33 $700.60 $1,064.63 |
$784.54 $890.46 $1,002.66 $1,401.20 $2,129.26 |
$1,084.63 $1,190.55 $1,302.75 $1,701.29 |
$1,384.72 $1,490.64 $1,602.84 $2,001.38 |
$1,684.81 $1,790.73 $1,902.93 $2,301.47 |
$692.36 $745.32 $801.42 $1,000.69 |
$992.45 $1,045.41 $1,101.51 $1,300.78 |
$1,292.54 $1,345.50 $1,401.60 $1,600.87 |
$358.15 |
Plan: (PPO) Sanford Simplicity $6,000Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-800-752-5863 - Provider Directory for This Plan: (Sanford Health Plan)
Deductible: Individual:
$6,000
: Family:
$12,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Bronze | 21 30 40 50 60 |
$368.77 $418.55 $471.29 $658.62 $1,000.84 |
$737.54 $837.10 $942.58 $1,317.24 $2,001.68 |
$1,019.65 $1,119.21 $1,224.69 $1,599.35 |
$1,301.76 $1,401.32 $1,506.80 $1,881.46 |
$1,583.87 $1,683.43 $1,788.91 $2,163.57 |
$650.88 $700.66 $753.40 $940.73 |
$932.99 $982.77 $1,035.51 $1,222.84 |
$1,215.10 $1,264.88 $1,317.62 $1,504.95 |
$336.69 |
Plan: (PPO) Sanford Simplicity $7,000Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-800-752-5863 - Provider Directory for This Plan: (Sanford Health Plan)
Deductible: Individual:
$7,000
: Family:
$14,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Bronze | 21 30 40 50 60 |
$366.78 $416.30 $468.75 $655.07 $995.44 |
$733.56 $832.60 $937.50 $1,310.14 $1,990.88 |
$1,014.15 $1,113.19 $1,218.09 $1,590.73 |
$1,294.74 $1,393.78 $1,498.68 $1,871.32 |
$1,575.33 $1,674.37 $1,779.27 $2,151.91 |
$647.37 $696.89 $749.34 $935.66 |
$927.96 $977.48 $1,029.93 $1,216.25 |
$1,208.55 $1,258.07 $1,310.52 $1,496.84 |
$334.87 |
Plan: (PPO) Sanford Simplicity $7,900Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-800-752-5863 - Provider Directory for This Plan: (Sanford Health Plan)
Deductible: Individual:
$7,900
: Family:
$15,800 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Catastrophic | 21 30 40 50 60 |
$258.97 $293.94 $330.97 $462.53 $702.86 |
$517.94 $587.88 $661.94 $925.06 $1,405.72 |
$716.06 $786.00 $860.06 $1,123.18 |
$914.18 $984.12 $1,058.18 $1,321.30 |
$1,112.30 $1,182.24 $1,256.30 $1,519.42 |
$457.09 $492.06 $529.09 $660.65 |
$655.21 $690.18 $727.21 $858.77 |
$853.33 $888.30 $925.33 $1,056.89 |
$236.44 |
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Avera Health Plans, Inc.Local: 1-605-322-4545 | Toll Free: 1-888-322-2115 |
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Plan: (PPO) Avera 1500Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$1,500
: Family:
$3,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Gold | 21 30 40 50 60 |
$510.84 $579.79 $652.84 $912.34 $1,386.39 |
$1,021.68 $1,159.58 $1,305.68 $1,824.68 $2,772.78 |
$1,412.46 $1,550.36 $1,696.46 $2,215.46 |
$1,803.24 $1,941.14 $2,087.24 $2,606.24 |
$2,194.02 $2,331.92 $2,478.02 $2,997.02 |
$901.62 $970.57 $1,043.62 $1,303.12 |
$1,292.40 $1,361.35 $1,434.40 $1,693.90 |
$1,683.18 $1,752.13 $1,825.18 $2,084.68 |
$466.38 |
Plan: (PPO) Avera 4000Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$4,000
: Family:
$8,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Silver | 21 30 40 50 60 |
$457.88 $519.69 $585.16 $817.77 $1,242.68 |
$915.76 $1,039.38 $1,170.32 $1,635.54 $2,485.36 |
$1,266.03 $1,389.65 $1,520.59 $1,985.81 |
$1,616.30 $1,739.92 $1,870.86 $2,336.08 |
$1,966.57 $2,090.19 $2,221.13 $2,686.35 |
$808.15 $869.96 $935.43 $1,168.04 |
$1,158.42 $1,220.23 $1,285.70 $1,518.31 |
$1,508.69 $1,570.50 $1,635.97 $1,868.58 |
$418.04 |
Plan: (PPO) Avera 7900Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$7,900
: Family:
$15,800 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Catastrophic | 21 30 40 50 60 |
$237.46 $269.51 $303.46 $424.09 $644.45 |
$474.92 $539.02 $606.92 $848.18 $1,288.90 |
$656.57 $720.67 $788.57 $1,029.83 |
$838.22 $902.32 $970.22 $1,211.48 |
$1,019.87 $1,083.97 $1,151.87 $1,393.13 |
$419.11 $451.16 $485.11 $605.74 |
$600.76 $632.81 $666.76 $787.39 |
$782.41 $814.46 $848.41 $969.04 |
$216.79 |
Plan: (PPO) Avera 3500Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$3,500
: Family:
$7,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Silver | 21 30 40 50 60 |
$438.26 $497.42 $560.09 $782.73 $1,189.43 |
$876.52 $994.84 $1,120.18 $1,565.46 $2,378.86 |
$1,211.78 $1,330.10 $1,455.44 $1,900.72 |
$1,547.04 $1,665.36 $1,790.70 $2,235.98 |
$1,882.30 $2,000.62 $2,125.96 $2,571.24 |
$773.52 $832.68 $895.35 $1,117.99 |
$1,108.78 $1,167.94 $1,230.61 $1,453.25 |
$1,444.04 $1,503.20 $1,565.87 $1,788.51 |
$400.13 |
Plan: (PPO) Avera 5500Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$5,500
: Family:
$11,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Bronze | 21 30 40 50 60 |
$321.58 $364.98 $410.97 $574.33 $872.75 |
$643.16 $729.96 $821.94 $1,148.66 $1,745.50 |
$889.16 $975.96 $1,067.94 $1,394.66 |
$1,135.16 $1,221.96 $1,313.94 $1,640.66 |
$1,381.16 $1,467.96 $1,559.94 $1,886.66 |
$567.58 $610.98 $656.97 $820.33 |
$813.58 $856.98 $902.97 $1,066.33 |
$1,059.58 $1,102.98 $1,148.97 $1,312.33 |
$293.59 |
Plan: (PPO) Avera 6750Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$6,750
: Family:
$13,500 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Bronze | 21 30 40 50 60 |
$332.75 $377.66 $425.24 $594.27 $903.06 |
$665.50 $755.32 $850.48 $1,188.54 $1,806.12 |
$920.04 $1,009.86 $1,105.02 $1,443.08 |
$1,174.58 $1,264.40 $1,359.56 $1,697.62 |
$1,429.12 $1,518.94 $1,614.10 $1,952.16 |
$587.29 $632.20 $679.78 $848.81 |
$841.83 $886.74 $934.32 $1,103.35 |
$1,096.37 $1,141.28 $1,188.86 $1,357.89 |
$303.79 |
Plan: (PPO) Avera 2750Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$2,750
: Family:
$5,500 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Silver | 21 30 40 50 60 |
$433.18 $491.65 $553.59 $773.64 $1,175.63 |
$866.36 $983.30 $1,107.18 $1,547.28 $2,351.26 |
$1,197.73 $1,314.67 $1,438.55 $1,878.65 |
$1,529.10 $1,646.04 $1,769.92 $2,210.02 |
$1,860.47 $1,977.41 $2,101.29 $2,541.39 |
$764.55 $823.02 $884.96 $1,105.01 |
$1,095.92 $1,154.39 $1,216.33 $1,436.38 |
$1,427.29 $1,485.76 $1,547.70 $1,767.75 |
$395.48 |
‡Source: HealthCare.gov has released sample rates for all counties in the 36 states served by HealthCare.gov. We have integrated that data into our tables and provide you that information for Lake County here.