DirectConnect $6500 HSA Eligible HDHP
Expanded Bronze · HMO · Avera Health Plans · South Dakota
At age 40 it costs between $412.44 and $432.95 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 60536SD0060014 |
|---|---|
| Insurer | Avera Health Plans |
| Metal level | Expanded Bronze |
| Plan type | HMO |
| Deductible (individual) | $6,500 |
| Deductible (family) | $13,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | $60 |
| Specialist visit | 50% Coinsurance after deductible |
| Emergency room | $1,200 |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $30 |
| Preferred brand drugs | 40% Coinsurance after deductible |
| Specialty drugs | 40% Coinsurance after deductible |
| Adult dental included | No |
| Child dental included | Yes |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-888-322-2115 |
Where it is sold, and what it costs there
8 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Lincoln County | $322.73 | $366.29 | $412.44 | $576.39 | $875.88 |
| McCook County | $322.73 | $366.29 | $412.44 | $576.39 | $875.88 |
| Minnehaha County | $322.73 | $366.29 | $412.44 | $576.39 | $875.88 |
| Davison County | $335.68 | $380.99 | $428.99 | $599.52 | $911.03 |
| Hanson County | $335.68 | $380.99 | $428.99 | $599.52 | $911.03 |
| Hutchinson County | $335.68 | $380.99 | $428.99 | $599.52 | $911.03 |
| Yankton County | $335.68 | $380.99 | $428.99 | $599.52 | $911.03 |
| Brown County | $338.78 | $384.51 | $432.95 | $605.05 | $919.44 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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When this plan’s price or benefits change.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.