Health insurance plans in Minnehaha County, South Dakota (2026)

• 2carriers selling 2026 marketplace plans in Minnehaha County
• 41plans on the Minnehaha shelf, from 12 bronze to 12 gold
• $514benchmark silver for a 40 year old in Minnehaha, full price per month

Who sells marketplace plans in Minnehaha County

Minnehaha County has fewer carriers than Pennington County, the other South Dakota county I track, two against three. Across all 79 counties and parishes I track in 24 states, 73 have more carriers than Minnehaha. Avera Health Plans alone accounts for 23 of the 41 plans in Minnehaha, 56 percent of the shelf, so a lot of what you see when you shop is one company's lineup in different metal levels.

Minnehaha plan counts from the CMS 2026 landscape file (county FIPS 46099, Rating Area 2). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.

What it costs in Minnehaha County before any subsidy

These are the full monthly prices, before any premium tax credit, for the cheapest Minnehaha plan at each metal level. I show the sticker price because it is what your subsidy is subtracted from, and most people who enroll in Minnehaha pay less, often a lot less.

Benchmark silver is the second lowest of the 14 silver premiums listed for Minnehaha. The last column is two adults aged 40 plus two children.

What these numbers mean if you live in Minnehaha County

Minnehaha County is one of 32 of the 79 counties and parishes on my list where the metal levels are priced in the order you would expect. The cheapest gold at 40 is $559, which is $44 above the benchmark silver and $47 above the cheapest silver. In Minnehaha the extra gold premium pays for a lower deductible rather than coming free.

In Minnehaha County the benchmark is $108 above the cheapest bronze at age 40, and six of the other 78 counties and parishes I track have a narrower one. That gap decides whether bronze can be free, because your subsidy is the $514 benchmark minus what the government expects you to pay from your income. A 40 year old in Minnehaha whose expected share is $108 a month or less would pay nothing for the cheapest bronze. At 60 the Minnehaha gap grows to $229 and at 21 it shrinks to $84, which is why older enrollees are the ones most likely to find a $0 plan.

Pennington County, around Rapid City, is the other South Dakota county I track. Compared with Pennington County, the Minnehaha benchmark is $260 lower at 40 and the cheapest bronze is $133 lower. Wellmark sells in Pennington County and not in Minnehaha.

Minnehaha plans by metal level, network and deductible

By network type the 41 Minnehaha plans break down as 21 PPO and 20 HMO. PPOs are the majority here, 21 of the 41, and they come from Avera Health Plans and Sanford Health Plan, so a plan that lets you see specialists without a referral is easy to find in Minnehaha. 4 plans in Minnehaha have a $0 medical deductible (2 gold and 2 silver). They cost more each month, but nothing has to be spent before the plan starts paying.

2027 plans for Minnehaha County

These are the 2026 plans and prices for Minnehaha County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Minnehaha numbers then. Open enrollment for 2027 coverage in South Dakota runs from November 1, 2026 to January 15, 2027, and December 15 is the last day to pick a plan that starts January 1.

Questions about Minnehaha County coverage

More for Minnehaha County residents

• Health insurance brokers in South Dakota, how to choose one and what it costs
• Every 2027 carrier change in South Dakota
• How Minnehaha compares with the other 78 counties and parishes I track
• Estimate a Minnehaha subsidy