DirectConnect $0 Gold
Starting at
$605
/month before subsidy
DirectConnect $0 Gold is a 2026 Gold HMO health insurance plan from Avera Health Plans, sold on the ACA Marketplace in South Dakota under plan ID 60536SD0060030. The monthly premium starts at $605 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $0, and the individual out-of-pocket maximum is $8,500 ($17,000 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 60536SD0060030
- Plan year
- 2026
- State
- South Dakota
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$8,500
Family: $17,000
Coinsurance
30%
You pay after deductible
Network Type
HMO
SDN002
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
$3,960
your estimated cost
- Deductible
- $0
- Copays
- $2,700
- Coinsurance
- $1,200
Managing type 2 diabetes
A year of routine care
$1,120
your estimated cost
- Deductible
- $0
- Copays
- $900
- Coinsurance
- $200
A simple fracture
ER visit + follow-up
$1,400
your estimated cost
- Deductible
- $0
- Copays
- $1,000
- Coinsurance
- $400
Enter your ZIP code first to search nearby doctors.
This Gold HMO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,313/month
Annual Premium
$7,260
OOP Maximum
$8,500
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $8,500 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 DirectConnect $0 Gold
How much does DirectConnect $0 Gold cost per month?
DirectConnect $0 Gold from Avera Health Plans starts at $605 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 DirectConnect $0 Gold?
The individual medical deductible is $0. 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 DirectConnect $0 Gold?
The most you would pay in a year for covered in-network care is $8,500 for an individual and $17,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is DirectConnect $0 Gold HSA-eligible?
No. DirectConnect $0 Gold 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 DirectConnect $0 Gold use?
DirectConnect $0 Gold is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.
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.