2026 Health Insurance Rates in Sioux Falls
The table below shows estimated monthly premiums for a 40-year-old non-smoker in Sioux Falls before ACA subsidies. Your actual cost depends on age, household size, and income.
| Metal Tier | Est. Premium (age 40) | After Avg. Subsidy | Deductible | Best For |
|---|---|---|---|---|
| Bronze | $322/mo | ~$166/mo | $7,000–$9,000 | Healthy, low-use individuals |
| Silver | $447/mo | ~$291/mo | $5,600–$6,600 | Most families (best subsidy value) |
| Gold | $536/mo | ~$380/mo | $1,500–$3,000 | Frequent medical users |
| Platinum | $626/mo | ~$470/mo | $0–$500 | High medical needs |
*Rates are estimates for a 40-year-old non-smoker. Actual premiums vary by zip code, age, and tobacco status. Use our subsidy calculator for a personalized estimate.
Top Health Insurance Companies in Sioux Falls
These carriers offer ACA marketplace plans in the Sioux Falls area for 2026. Network size and plan availability vary by zip code.
| Carrier | Best For | Network Type | Rating |
|---|---|---|---|
| Sanford Health | Broad network access | PPO / HMO options | ⭐ 4.5/5 |
| Wellmark Blue Cross | Low premiums | HMO | ⭐ 4.2/5 |
| Oscar Health | Digital-first experience | EPO / HMO | ⭐ 4.0/5 |
Not sure which carrier to choose? See our full South Dakota carrier comparison →
ACA Subsidies for Sioux Falls Residents
If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you qualify for an Advanced Premium Tax Credit (APTC) that reduces your monthly premium. Here's what that looks like for a single adult in Sioux Falls in 2026:
| Annual Income | % FPL | Max Premium (% of income) | Est. Subsidy | Your Silver Cost |
|---|---|---|---|---|
| $20,000 | 128% | ~2.1% | $412/mo | ~$35/mo |
| $25,000 | 160% | ~4.7% | $350/mo | ~$97/mo |
| $35,000 | 224% | ~7.5% | $229/mo | ~$218/mo |
| $50,000 | 319% | ~10.0% | $32/mo | ~$415/mo |
| $60,000 | 383% | ~10.0% | $0/mo | ~$447/mo |
Use our ACA Subsidy Calculator to get a personalized estimate based on your exact income and household size.
How to Get Health Insurance in Sioux Falls
- Check your subsidy eligibility — Use our calculator to estimate your savings
- Get a free quote — Compare all available Sioux Falls plans side by side
- Review your options — A licensed broker reviews your quote and answers questions
- Enroll — Apply online in minutes during Open Enrollment (Nov 1–Jan 15) or if you have a Special Enrollment Period
Questions about SEPs or missing open enrollment? Learn about enrolling outside open enrollment →
Frequently Asked Questions
What is the cheapest health insurance in Sioux Falls?
Bronze plans start around $322/month for a 40-year-old before subsidies. With an ACA subsidy, many Sioux Falls residents pay $0–$129/month for a Bronze plan depending on income.
Do I need a South Dakota health insurance broker?
You can enroll directly on HealthCare.gov, but a licensed broker is free to use and can help you compare all available plans, verify your subsidy, and ensure you pick the right network for your doctors.
When can I sign up for health insurance in Sioux Falls?
Open Enrollment runs November 1 – January 15 each year. Outside that window, you need a qualifying life event (job loss, marriage, baby, moving) to trigger a Special Enrollment Period. See 2027 Open Enrollment dates →
What if I miss Open Enrollment in Sioux Falls?
If you miss Open Enrollment without a qualifying event, you may be able to get short-term health insurance as a temporary bridge. Contact us to explore your options.
Explore More South Dakota Resources
Ready to Find Coverage in Sioux Falls?
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