South Dakota health plan · 2026

Sanford Individual Simplicity $10,600 · 31195SD0110009

Sanford Health Plan offers this marketplace health insurance plan (Plan ID 31195SD0110009) so you can compare premiums, coverage levels, and provider access against other health plan insurance options. Use the modules below to decide whether this is the best health insurance plan for your household or if another insurance health plan fits better.

Metal level: Catastrophic Plan type: PPO CSR: Standard Catastrophic Off Exchange Plan Issuer: Sanford Health Plan
Telehealth Data pending HSA eligible Yes Dental Child Vision Child
Pay / Manage Plan View issuer site

2026 cost summary

Key premiums & cost sharing

Rates mirror the latest CMS import (Tue, 02 Dec 2025 06:13 GMT). Personalize costs with your ZIP, age, and subsidies in the plan finder.

Monthly premium

$226 – $1101

Before subsidies

Estimate after subsidies

Deductible

$10,600

$21200 per group

See deductible details

Max out-of-pocket

$10,600

$21200 per group

Review MOOP rules

Office visits

Primary care No Charge after deductible
Specialist No Charge after deductible
HSA Eligible

Drug tiers

Generic No Charge after deductible
Preferred brand No Charge after deductible

View formulary tiers

$310 / mo before subsidies

≈ $3714 per year before tax credits.

Start with this unsubsidized premium, then apply marketplace tax credits to see your final monthly payment.

  • Ideal for shoppers comparing Bronze vs. Silver budgets.
  • Update your Marketplace application to apply premium tax credits.

$1004 / mo before subsidies

≈ $12043 per year before tax credits.

Pre-subsidy rate for a couple with one dependent. Switch to Silver CSR plans if you qualify to reduce these numbers.

  • Compares well against PPO vs HMO networks when planning for childcare and telehealth needs.
  • CSR savings require a Silver variant. Use the plan finder to load Silver options if you need lower deductibles.

$1215 / mo before subsidies

≈ $14586 per year before tax credits.

Pairs with cost-sharing reductions (CSR) when you select a Silver tier and qualify based on income.

  • Use this estimate before adding childcare, dental, or vision extras.
  • CSR Silver variants can lower deductibles dramatically for eligible incomes.
  • CSR savings require a Silver variant. Use the plan finder to load Silver options if you need lower deductibles.

$772 / mo before subsidies

≈ $9269 per year before tax credits.

Shows the combined pre-subsidy rate for two adults. Add dependents or subsidies in your application to refine it.

  • Great for households deciding between PPO and HMO networks.
  • Telehealth and HSA perks (when offered) apply to both members.
Issuer profile See benefits

Preventive Care/Screening/Immunization

No Charge

Emergency Room Services

No Charge after deductible

Durable Medical Equipment

No Charge after deductible

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Enrollment guidance

Stay on top of 2026 ACA deadlines

Open Enrollment window

Marketplace enrollment for 2026 coverage typically runs Nov 1 – Jan 15 (dates may vary slightly in South Dakota). Submit changes before the deadline to avoid a coverage gap.

  • Enroll by Dec 15 for Jan 1 starts.
  • Finalize plan switches before the window closes.

Special Enrollment Periods

You can change plans mid-year if you experience a qualifying life event (move, childbirth, marriage, loss of other coverage).

  • Report the event within 60 days.
  • Keep documentation handy for Healthcare.gov or your state exchange.

CSR & subsidy reminders

Premium tax credits and cost-sharing reductions (CSR) update annually when you re-submit your marketplace application.

  • Enter accurate income to maximize Advanced Premium Tax Credits.
  • Standard Catastrophic Off Exchange Plan plans like this one keep deductibles and copays lower if you qualify.

Thinking about switching?

Before you leave your current plan, compare networks, drug coverage, and total cost using the cards on this page.

  • Match provider networks so ongoing care isn’t disrupted.
  • Confirm prescriptions stay on-formulary or budget for tier changes.

Top covered benefits

How this plan handles key care scenarios

Preventive Care/Screening/Immunization

No Charge

Emergency Room Services

No Charge after deductible

Durable Medical Equipment

No Charge after deductible

Premium snapshot

Plan identifiers & filings

Track the official identifiers, documents, and filing dates tied to this plan. Open the marketing or formulary links whenever you need the latest PDF from the issuer.

Plan ID 31195SD0110009
Coverage year 2026
State South Dakota
Issuer Sanford Health Plan
Formulary document Download formulary
Marketing materials View marketing kit
Variant ID 31195SD0110009-00
Available variants

Standard Off Exchange Plan · 31195SD0110009-00

Standard On Exchange Plan · 31195SD0110009-01
Last plan update Wed, 15 Oct 2025 00:00 GMT
Last HealthPorta import Tue, 02 Dec 2025 06:13 GMT

Network stats

Provider access snapshot

Review the network branding plus the number of in-network clinicians we track from issuer filings. Counts update with each CMS import (Tue, 02 Dec 2025 06:13 GMT).

All providers in South Dakota N/A
PCPs in South Dakota N/A
Telehealth support Data pending
Nationwide providers N/A

Provider network(s)

Providers South Dakota All US states
All N/A N/A
PCP N/A N/A
Allergy N/A N/A
OB/GYN N/A N/A
Dentists N/A N/A

Drug coverage overview

5,440 drugs tracked

Inspect tier distribution plus authorization, step therapy, and quantity-limit counts sourced from HealthPorta’s formulary import.

Tier Covered drugs
GENERIC 2,573
NON-PREFERRED-BRAND 1,488
PREFERRED 780
NON-PREFERRED-BRAND-SPECIALTY 519
GENERIC-SPECIALTY 80
Prior authorization Drugs
Required 565
Not Required 4,875
Step therapy Drugs
Required 99
Not Required 5,341
Quantity limits Drugs
Has Limit 1,452
No Limit 3,988

Customer highlights

What stands out for members

  • Issuer: Sanford Health Plan · Plan ID 31195SD0110009 · 2026 filing.
  • Disease management programs available: Asthma, Diabetes, Heart Disease, High Blood Pressure & High Cholesterol, Pregnancy.
  • Download the latest formulary directly from the issuer here.
  • Review marketing brochures and SBC PDFs via the issuer marketing repository.
  • Variant 31195SD0110009-00 (Standard Off Exchange Plan) currently displayed.
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Benefits

Covered services & limitations

Everyday care

Office visits, preventive care, labs, imaging, and home health.

Chiropractic Care

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

First 3 office visits $50 copay in the combined categories of Primary Care, Chiropractic, Habilitation, and Rehabilitation.

Diabetes Education

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Limit: 8.0 Visit(s) per Benefit Period

Home Health Care Services

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Prior authorization is required in lieu of a Hospital or Skilled Nursing Facility stay.

Laboratory Outpatient and Professional Services

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Other Practitioner Office Visit (Nurse, Physician Assistant)

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

First 3 office visits $50 copay in the combined categories of Primary Care, Chiropractic, Habilitation, and Rehabilitation.

Preventive Care/Screening/Immunization

No Charge
Tier 1 in-network No Charge
Out-of-network 20.00% Coinsurance after deductible

Primary Care Visit to Treat an Injury or Illness

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

First 3 office visits $50 copay in the combined categories of Primary Care, Chiropractic, Habilitation, and Rehabilitation.

Rehabilitative Occupational and Rehabilitative Physical Therapy

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Rehabilitative Speech Therapy

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Specialist Visit

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Urgent Care Centers or Facilities

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

X-rays and Diagnostic Imaging

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Hospital & urgent

Emergency room, inpatient stays, ambulance, and surgeries.

Chemotherapy

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Prior authorization is required.

Delivery and All Inpatient Services for Maternity Care

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Deductible Amount is waived when the newborn is released with the mother.

Dialysis

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Plan will pay first for the first 30 months after you become eligible to join Medicare.

Durable Medical Equipment

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Coverage for DME prescribed by an attending Practitioner and/or Provider, which is Medically Necessary, not primarily and customarily used for non-medical purposes, designed for prolonged use, and for a specific therapeutic purpose in the treatment of an illness or injury. Limitations per Sanford Health Plan policy guidelines apply.\nCasts, splints, braces, crutches and dressings for the treatment of fracture, dislocation, torn muscles or ligaments and other chronic conditions per Sanford Health Plan policy. Prior authorization is required for certain items.

Emergency Room Services

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network No Charge after deductible

Emergency Transportation/Ambulance

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network No Charge after deductible

Hospice Services

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Inpatient Hospital Services (e.g., Hospital Stay)

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Prior authorization is required.

Inpatient Physician and Surgical Services

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Mental/Behavioral Health Inpatient Services

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Prior authorization is required.

Mental/Behavioral Health Outpatient Services

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

First 5 office visits covered at 100% in the combined categories of Mental/Behavioral Health and SUD. The cost sharing that displays applies to outpatient office visits only. All other outpatient services may be subject to additional cost sharing. Please refer to the plan policy documents for additional information.

Outpatient Facility Fee (e.g., Ambulatory Surgery Center)

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Outpatient Rehabilitation Services

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

First 3 office visits $50 copay in the combined categories of Primary Care, Chiropractic, Habilitation, and Rehabilitation.

Outpatient Surgery Physician/Surgical Services

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Radiation

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Prior authorization is required.

Skilled Nursing Facility

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Limit: 90.0 Days per Benefit Period

Prior authorization is required.

Substance Abuse Disorder Inpatient Services

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Prior authorization is required.

Substance Abuse Disorder Outpatient Services

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

First 5 office visits covered at 100% in the combined categories of Mental/Behavioral Health and SUD.

Transplant

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Prior authorization is required. To be eligible for coverage, Transplants must meet United Network for Organ Sharing (UNOS) criteria and/or Medical Criteria. Transplants must be performed at contracted Centers of Excellence or otherwise identified and accepted by Sanford Health Plan as qualified facilities.

Pregnancy & family

Maternity, newborn, pediatric dental and vision extras.

Basic Dental Care - Child

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Hearing Aids

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Limit: 1.0 Item(s) per 3 Years

Major Dental Care - Child

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Prenatal and Postnatal Care

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Routine Eye Exam for Children

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Limit: 1.0 Exam(s) per Benefit Period

Well Baby Visits and Care

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Well Child Care to the Member's 6th birthday, 100% of Allowed Charge.

Pharmacy & drugs

Generic, brand, specialty, and mail order tiers.

Generic Drugs

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 100.00%

Non-Preferred Brand Drugs

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 100.00%

Preferred Brand Drugs

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 100.00%

Specialty Drugs

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 100.00%

Preferred and Non-Preferred specialty drugs may be subject to different cost sharing rates.

Wellness & extras

Vision, dental, therapies, prosthetics, weight management.

Accidental Dental

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Oral surgical procedures limited to services required because of injury, accident or cancer that damages Natural Teeth. This is an Outpatient Surgery that requires Certification. Care must be received within twelve 12 months of the occurrence. Injury does not include injuries to Natural Teeth caused by biting or chewing. Associated radiology services are included. Coverage applies regardless of whether the services are provided in a Hospital or a dental office. Extractions when medically necessary because of injury, accident, or cancer when internal guidelines are met

Basic Dental Care - Adult

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Dental Check-Up for Children

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Limit: 2.0 Exam(s) per Benefit Period

Infusion Therapy

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Major Dental Care - Adult

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Nutritional Counseling

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Limit: 12.0 Visit(s) per Benefit Period

Orthodontia - Adult

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Orthodontia - Child

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Prosthetic Devices

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Prosthetic limbs, sockets and supplies, and prosthetic eyes;\nExternally worn breast prostheses and surgical bras, including necessary replacements following a mastectomy. Includes two (2) external prosthesis per Calendar Year and six (6) bras per Calendar Year. For double mastectomy: coverage extends to four (4) external prosthesis per Calendar Year and six (6) bras per Calendar Year.\nDevices permanently implanted that are not Experimental or Investigational Services such as artificial joints, pacemakers, and surgically implanted breast implant following mastectomy. \nCranial Prosthesis, including wigs (limited to 1 per benefit period)Prosthetic limbs, sockets and supplies, and prosthetic eyes. Requires Prior Authorization.

Routine Dental Services (Adult)

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Weight Loss Programs

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Additional benefits

Other plan-specific services and limitations.

Abortion for Which Public Funding is Prohibited

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Acupuncture

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Allergy Testing

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Benefit includes serum, injections, testing and treatment

Bariatric Surgery

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Cosmetic Surgery

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Eye Glasses for Children

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Limit: 1.0 Item(s) per Benefit Period

Limited to 1 frame every other year. Lenses or contact lenses limited to 1 item annually. Benefit ends at the end of the month when the member turns 19.

Habilitation Services

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

First 3 office visits $50 copay in the combined categories of Primary Care, Chiropractic, Habilitation, and Rehabilitation.

Imaging (CT/PET Scans, MRIs)

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Prior authorization may be required.

Infertility Treatment

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Long-Term/Custodial Nursing Home Care

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Private-Duty Nursing

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Nursing care that is provided to a Member on a one-to-one basis by licensed nurse in an inpatient or home setting. Prior authorization is required.

Reconstructive Surgery

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Some services require prior authorization.

Routine Eye Exam (Adult)

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Routine Foot Care

Coverage details pending

Issuer did not share extra notes for this benefit beyond the summary above.

Treatment for Temporomandibular Joint Disorders

No Charge after deductible
Tier 1 in-network No Charge after deductible
Out-of-network 20.00% Coinsurance after deductible

Services for the Treatment and Diagnosis of TMJ/TMD are covered subject to Medical Necessity\nManual therapy and osteopathic or chiropractic manipulation treatment if performed by physical medicine Providers\nTMJ Splints and adjustments if your primary diagnosis is TMJ/TMD\nMaximum Benefit Allowance of 1 splint per Member per Benefit Period

Variant attributes

Sanford Individual Simplicity $10,600 · Variant 31195SD0110009-00

Plan identifiers & tier

Issuer-provided metadata for this variant.

Business Year

2026

CSR Variation Type

Standard Catastrophic Off Exchange Plan

HIOS Product ID

31195SD011

Metal Level

Catastrophic

Plan ID (Standard Component ID with Variant)

31195SD0110009-00

Plan Marketing Name

Sanford Individual Simplicity $10,600

Plan Variant Marketing Name

Sanford Individual Simplicity $10,600

Issuer & service area

Issuer-provided metadata for this variant.

Issuer ID

31195

Issuer Marketplace Marketing Name

Sanford Health Plan

Market Coverage

Individual

Multiple In Network Tiers

No

National Network

Yes

Network ID

SDN003

Out of Country Coverage

No

Out of Country Coverage Description

Only in Emergent Medical Situations

Out of Service Area Coverage

Yes

Out of Service Area Coverage Description

Only in Emergent Medical Situations

Service Area ID

SDS003

State Code

SD

URL for Summary of Benefits & Coverage

Open link

Cost sharing & actuarial values

Issuer-provided metadata for this variant.

Begin Primary Care Deductible Coinsurance After Number Of Copays

3

Inpatient Copayment Maximum Days

0

Medical Drug Deductibles Integrated

Yes

Medical Drug Maximum Out of Pocket Integrated

Yes

SBC Scenario, Having a Baby, Coinsurance

$0

SBC Scenario, Having a Baby, Copayment

$0

SBC Scenario, Having a Baby, Deductible

$8,500

SBC Scenario, Having Diabetes, Coinsurance

$0

SBC Scenario, Having Diabetes, Copayment

$0

SBC Scenario, Having Diabetes, Deductible

$100

SBC Scenario, Treatment of a Simple Fracture, Coinsurance

$0

SBC Scenario, Treatment of a Simple Fracture, Copayment

$0

SBC Scenario, Treatment of a Simple Fracture, Deductible

$2,100

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Group

$84800 per group

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Person

$42400 per person

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Individual

$42,400

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Default Coinsurance

0.00%

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Group

$21200 per group

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Person

$10600 per person

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Individual

$10,600

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Group

$84800 per group

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Person

$42400 per person

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Individual

$42,400

Enrollment & documents

Issuer-provided metadata for this variant.

Formulary ID

SDF001

Formulary URL

Open link

Plan Brochure

Open link

SBC Scenario, Having a Baby, Limit

$60

SBC Scenario, Having Diabetes, Limit

$20

SBC Scenario, Treatment of a Simple Fracture, Limit

$0

URL for Enrollment Payment

Open link

Additional attributes

Issuer-provided metadata for this variant.

Begin Primary Care Cost-Sharing After Number Of Visits

0

Child-Only Offering

Allows Adult and Child-Only

Composite Rating Offered

No

Dental Only Plan

No

Design Type

Not Applicable

Disease Management Programs Offered

Asthma, Diabetes, Heart Disease, High Blood Pressure & High Cholesterol, Pregnancy

EHB Percent of Total Premium

1

First Tier Utilization

100%

Import Date

10/15/2025

Limited Cost Sharing Plan Variation - Estimated Advanced Payment

$0.00

HSA Eligible

Yes

New/Existing Plan

Existing

Notice Required for Pregnancy

No

Is a Referral Required for Specialist?

No

Plan Effective Date

1/1/2026

Plan Expiration Date

12/31/2026

Plan Type

PPO

QHP/Non QHP

Both

Source Name

SERFF

Plan ID

31195SD0110009

Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Group

$42400 per group

Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Person

$21200 per person

Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Individual

$21,200

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Group

$21200 per group

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Person

$10600 per person

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Individual

$10,600

Combined Medical and Drug EHB Deductible, Out of Network, Family Per Group

$42400 per group

Combined Medical and Drug EHB Deductible, Out of Network, Family Per Person

$21200 per person

Combined Medical and Drug EHB Deductible, Out of Network, Individual

$21,200

Unique Plan Design

Yes

Wellness Program Offered

No

Copay & coinsurance

Pharmacy cost sharing by tier

Drug tier Pharmacy type Copay amount Copay option Coinsurance rate Coinsurance option Mail order

Questions & answers

Frequently asked questions

How do I choose the right ACA plan in South Dakota?

Sanford Individual Simplicity $10,600 (31195SD0110009) is a Catastrophic PPO from Sanford Health Plan in South Dakota for the 2026 coverage year.

Compare it against other options with the HealthPorta plan finder to confirm premiums, deductibles, and network access fit your household.

Does Sanford Individual Simplicity $10,600 support telehealth or virtual urgent care?

The issuer has not published telehealth details yet. Review the Summary of Benefits and Coverage to confirm if virtual visits are included.

Is Sanford Individual Simplicity $10,600 HSA-eligible and does it include dental or vision coverage?

It is HSA-eligible, so you can pair it with a Health Savings Account to lower taxes.

Dental add-ons: Child.

Vision add-ons: Child.

Does Sanford Individual Simplicity $10,600 support mail-order prescriptions?

Mail order coverage is not listed for this plan, so confirm with the issuer before relying on home delivery.

Which disease management programs come with Sanford Individual Simplicity $10,600?

The issuer lists disease management resources for: Asthma, Diabetes, Heart Disease, High Blood Pressure & High Cholesterol, Pregnancy.

Is there out-of-country coverage for Sanford Individual Simplicity $10,600?

No, out-of-country services are not covered for this plan. Details: Only in Emergent Medical Situations

Does Sanford Individual Simplicity $10,600 cover care outside the service area?

Yes, you have limited out-of-area coverage. See the plan documents for referral and prior authorization rules. Details: Only in Emergent Medical Situations

How do I enroll in or manage payments for Sanford Individual Simplicity $10,600?

Use the issuer portal https://hix.sanfordhealthplan.com/ to pay premiums or start enrollment, then return to HealthPorta for benefit comparisons.

Disclaimer: Based on the Tue, 02 Dec 2025 06:13 GMT HealthPorta import from CMS issuer filings. Data is best-effort and should be validated with the issuer directly. Sources: CMS.gov and the HealthPorta Healthcare MRF API.
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