ConnectPlus $4500
Starting at
$679
/month before subsidy
ConnectPlus $4500 is a 2026 Silver PPO health insurance plan from Avera Health Plans, sold on the ACA Marketplace in South Dakota under plan ID 60536SD0020074. The monthly premium starts at $679 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,500 ($9,000 for a family), and the individual out-of-pocket maximum is $10,150 ($20,300 for a family). After the deductible, coinsurance is 40% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 60536SD0020074
- Plan year
- 2026
- State
- South Dakota
- Metal level
- Silver
- Plan type
- PPO
- HSA-eligible
- No
Individual Deductible
$4,500
Family: $9,000
Out-of-Pocket Max
$10,150
Family: $20,300
Coinsurance
40%
You pay after deductible
Network Type
PPO
SDN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$7,860
your estimated cost
- Deductible
- $4,500
- Copays
- $500
- Coinsurance
- $2,800
Managing type 2 diabetes
A year of routine care
$2,120
your estimated cost
- Deductible
- $800
- Copays
- $1,300
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,500
your estimated cost
- Deductible
- $1,300
- Copays
- $1,200
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Silver PPO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,525/month
Annual Premium
$8,148
OOP Maximum
$10,150
💡 What this means:
With a $4,500 deductible, you pay 100% of costs until you've spent that much. After that, you pay 40% (coinsurance) until you hit $10,150 total. Then insurance covers everything else for the year.
More plans from Avera Health Plans in South Dakota
- ConnectPlus $10,600 HSA Eligible HDHPfrom $386/mo
- ConnectPlus $10,600 HSA Eligible HDHPfrom $453/mo
- ConnectPlus $6500 HSA Eligible HDHPfrom $531/mo
- ConnectPlus $6500 HSA Eligible HDHPfrom $622/mo
- ConnectPlus $7500 HSA Eligible HDHPfrom $558/mo
- ConnectPlus $7500 HSA Eligible HDHPfrom $654/mo
- ConnectPlus Standard $7500 HSA Eligible HDHPfrom $512/mo
- ConnectPlus Standard $7500 HSA Eligible HDHPfrom $600/mo
Frequently asked questions about ConnectPlus $4500
How much does ConnectPlus $4500 cost per month?
ConnectPlus $4500 from Avera Health Plans starts at $679 per month before any subsidy in South Dakota. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for ConnectPlus $4500?
The individual medical deductible is $4,500, and the family deductible is $9,000. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for ConnectPlus $4500?
The most you would pay in a year for covered in-network care is $10,150 for an individual and $20,300 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is ConnectPlus $4500 HSA-eligible?
No. ConnectPlus $4500 is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does ConnectPlus $4500 use?
ConnectPlus $4500 is a PPO plan. PPO plans let you see specialists without a referral and use out-of-network providers (at higher cost), offering the most flexibility.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.