Health Plans

2024 Gold Plans

Gold plans have the best coverage. They feature lower deductibles and lower out-of-pocket expenses when you go to the doctor. The richer coverage offered by Gold plans results in higher monthly premiums.

On and Off Exchange Plans

These plans can be purchased directly through Avera Health Plans or on Healthcare.gov – and you may qualify for financial assistance through tax credits (discounted monthly premiums.)

• Avera Standard $1500 (pdf)
• Avera $1800 Medical Deductible with $0 Rx Deductible (pdf)
• Avera $2000 Medical Deductible with $0 Rx Deductible (pdf)
• Avera Direct Standard $1500 (for Brown, Minnehaha and Lincoln County residents) (pdf)
• Avera Direct $2200 Medical Deductible with $0 Rx Deductible (for Brown, Minnehaha and Lincoln County residents) (pdf)
• Avera Direct $3000 Medical Deductible with $0 Rx Deductible (for Brown, Minnehaha and Lincoln County residents) (pdf)

Off-Exchange Only Plans

There are no Gold plans available for direct purchase through Avera Health Plans.

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2024 Silver Plans

On and Off Exchange Plans

These plans can be purchased directly through Avera Health Plans or on Healthcare.gov and offer the most opportunity to save through cost share reductions. You may qualify for cost share reductions (discounted co-pays, coinsurance and deductibles), offered only on Silver plans, and tax credits (discounted monthly premiums), which are applicable to all ACA plans.

• Avera $4000 Medical Deductible with $0 Rx Deductible (pdf)
• Avera $5200 HSA Eligible HDHP (pdf)
• Avera $5800 (pdf)
• Avera Standard $5900 (pdf)
• Avera Direct $4000 Medical Deductible with $0 Rx Deductible (for Brown, Minnehaha and Lincoln County residents) (pdf)
• Avera Direct $5000 Medical Deductible with $0 Rx Deductible (for Brown, Minnehaha and Lincoln County residents) (pdf)
• Avera Direct Standard $5900 (for Brown, Minnehaha and Lincoln County residents) (pdf)
• Avera Direct $6000 Medical Deductible with $2000 Rx Deductible (for Brown, Minnehaha and Lincoln County residents) (pdf)

Off-Exchange Only Plans

These plans are not sold on Healthcare.gov, meaning they do not qualify for extra savings. They are only available for direct purchase through Avera Health Plans.

• Avera Direct $4000 Medical Deductible with $0 Rx Deductible (for Brown, Minnehaha and Lincoln County residents) (pdf)
• Avera Direct $5000 Medical Deductible with $0 Rx Deductible (for Brown, Minnehaha and Lincoln County residents) (pdf)
• Avera Direct $6000 Medical Deductible with $2000 Rx Deductible (for Brown, Minnehaha and Lincoln County residents)(pdf)
• Avera $4000 Medical Deductible with $0 Rx Deductible (pdf)
• Avera $5200 HSA Eligible HDHP (pdf)

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2024 Bronze Plans

Bronze plans feature higher deductibles, which will result in more out-of-pocket costs for you when you go the doctor, however these plans have lower monthly premiums.

On and Off Exchange Plans

These plans can be purchased directly through Avera Health Plans or on Healthcare.gov – and you may qualify for financial assistance including tax credits that discount your monthly premium.

• Avera $6800 Medical Deductible with $50 Rx Deductible (pdf)
• Avera Standard $7500 (pdf)
• Avera $7500 HSA Eligible HDHP (pdf)
• Avera Direct Standard $7500 (for Brown, Minnehaha and Lincoln County residents) (pdf)
• Avera Direct $7500 HSA Eligible HDHP (for Brown, Minnehaha and Lincoln County residents)(pdf)
• Avera Direct $8000 Medical Deductible with $1000 Rx Deductible (for Brown, Minnehaha and Lincoln County residents)(pdf)

Off-Exchange Only Plans

There are no Bronze plans available for direct purchase through Avera Health Plans.

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2024 Catastrophic Plans

To qualify for these plans, you must be under the age of 30 before Jan. 1, 2023 or qualify for a federal hardship exemption.

On and Off Exchange Plans

These plans can be purchased directly through Avera Health Plans or on Healthcare.gov – and you may qualify for financial assistance through tax credits that lower your monthly premium.

• Avera $9450 (pdf)

Off-Exchange Only Plans

There are no Catastrophic plans available for direct purchase through Avera Health Plans.

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