The health insurance rates listed below are for calendar year 2016.
2016 Rates and Providers
(click here for 2014)
(click here for 2015)
This page gives you an overview of the rates for individual and family health insurance plans available from HealthCare.gov, the marketplace for Union County, South Dakota.
Obamacare Providers, Plans and 2016 Rates for Union County
Union County is in “Rating Area 2” of South Dakota.
Currently, there are 3 providers offering 35 plans to Rating Area 2. †
Below, you’ll find a summary of plans and rates for each of these providers.‡ This chart is designed to give you a preview of your health insurance options. For detailed information on available subsidies to make your coverage affordable, you must complete an application at HealthCare.gov or contact the provider directly.
The table below shows premiums for the following scenarios for:
- Individual
- Couple
- Couple with 1 2 or 3 children
- Individual with 1 2 or 3 children
- A child alone
Each scenario is covered for age
- Age 21, 30, 40, 50
- Age 60 (Individual and Couple only)
For each plan, there are links that go to the insurance provider's website in a new window. You can find links to:
- a summary of plan benefits and costs,
- a plan brochure, and
- a "Provider Directory" -- where you can find out which doctors and hospitals in the North Sioux City, SD area accept this insurance coverage as within the plan's "network".
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Sanford Health PlanLocal: 1-605-333-1089 | Toll Free: 1-888-535-4831 |
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Plan: (HMO) Sanford Simplicity $1,500Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-535-4831 - Provider Directory for This Plan: (Sanford Health Plan)
Deductible: Individual:
$1,500
: Family:
$3,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Gold | 21 30 40 50 60 |
$343.75 $390.15 $439.31 $613.93 $932.93 |
$687.50 $780.30 $878.62 $1227.86 $1865.86 |
$905.78 $998.58 $1096.90 $1446.14 |
$1124.06 $1216.86 $1315.18 $1664.42 |
$1342.34 $1435.14 $1533.46 $1882.70 |
$562.03 $608.43 $657.59 $832.21 |
$780.31 $826.71 $875.87 $1050.49 |
$998.59 $1044.99 $1094.15 $1268.77 |
$218.28 |
Plan: (HMO) Sanford Simplicity $2,500Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-535-4831 - Provider Directory for This Plan: (Sanford Health Plan)
Deductible: Individual:
$2,500
: Family:
$5,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Silver | 21 30 40 50 60 |
$276.74 $314.09 $353.67 $494.25 $751.07 |
$553.48 $628.18 $707.34 $988.50 $1502.14 |
$729.20 $803.90 $883.06 $1164.22 |
$904.92 $979.62 $1058.78 $1339.94 |
$1080.64 $1155.34 $1234.50 $1515.66 |
$452.46 $489.81 $529.39 $669.97 |
$628.18 $665.53 $705.11 $845.69 |
$803.90 $841.25 $880.83 $1021.41 |
$175.72 |
Plan: (HMO) Sanford Simplicity $5,000 HDHPSummary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-535-4831 - Provider Directory for This Plan: (Sanford Health Plan)
Deductible: Individual:
$5,000
: Family:
$10,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Bronze | 21 30 40 50 60 |
$228.29 $259.10 $291.75 $407.72 $619.57 |
$456.58 $518.20 $583.50 $815.44 $1239.14 |
$601.54 $663.16 $728.46 $960.40 |
$746.50 $808.12 $873.42 $1105.36 |
$891.46 $953.08 $1018.38 $1250.32 |
$373.25 $404.06 $436.71 $552.68 |
$518.21 $549.02 $581.67 $697.64 |
$663.17 $693.98 $726.63 $842.60 |
$144.96 |
Plan: (HMO) Sanford Simplicity $6,850Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-535-4831 - Provider Directory for This Plan: (Sanford Health Plan)
Deductible: Individual:
$6,850
: Family:
$13,700 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Catastrophic | 21 30 40 50 60 |
$196.35 $222.85 $250.93 $350.68 $532.89 |
$392.70 $445.70 $501.86 $701.36 $1065.78 |
$517.38 $570.38 $626.54 $826.04 |
$642.06 $695.06 $751.22 $950.72 |
$766.74 $819.74 $875.90 $1075.40 |
$321.03 $347.53 $375.61 $475.36 |
$445.71 $472.21 $500.29 $600.04 |
$570.39 $596.89 $624.97 $724.72 |
$124.68 |
Plan: (HMO) Sanford Simplicity $6,000 CopaySummary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-535-4831 - Provider Directory for This Plan: (Sanford Health Plan)
Deductible: Individual:
$6,000
: Family:
$12,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Bronze | 21 30 40 50 60 |
$237.22 $269.24 $303.16 $423.67 $643.81 |
$474.44 $538.48 $606.32 $847.34 $1287.62 |
$625.08 $689.12 $756.96 $997.98 |
$775.72 $839.76 $907.60 $1148.62 |
$926.36 $990.40 $1058.24 $1299.26 |
$387.86 $419.88 $453.80 $574.31 |
$538.50 $570.52 $604.44 $724.95 |
$689.14 $721.16 $755.08 $875.59 |
$150.64 |
Plan: (HMO) Sanford Simplicity $3,500Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-535-4831 - Provider Directory for This Plan: (Sanford Health Plan)
Deductible: Individual:
$3,500
: Family:
$7,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Silver | 21 30 40 50 60 |
$282.24 $320.34 $360.70 $504.08 $765.99 |
$564.48 $640.68 $721.40 $1008.16 $1531.98 |
$743.70 $819.90 $900.62 $1187.38 |
$922.92 $999.12 $1079.84 $1366.60 |
$1102.14 $1178.34 $1259.06 $1545.82 |
$461.46 $499.56 $539.92 $683.30 |
$640.68 $678.78 $719.14 $862.52 |
$819.90 $858.00 $898.36 $1041.74 |
$179.22 |
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Avera Health Plans, Inc.Local: 1-605-322-4545 | Toll Free: 1-888-322-2115 |
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Plan: (PPO) Avera MyPlan $1,500 / 20% CoinsuranceSummary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$1,500
: Family:
$3,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Gold | 21 30 40 50 60 |
$301.61 $342.32 $385.44 $538.66 $818.55 |
$603.22 $684.64 $770.88 $1077.32 $1637.10 |
$794.73 $876.15 $962.39 $1268.83 |
$986.24 $1067.66 $1153.90 $1460.34 |
$1177.75 $1259.17 $1345.41 $1651.85 |
$493.12 $533.83 $576.95 $730.17 |
$684.63 $725.34 $768.46 $921.68 |
$876.14 $916.85 $959.97 $1113.19 |
$191.51 |
Plan: (PPO) Avera MyPlan $1,500 / 20% Coinsurance, Pediatric DentalSummary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$1,500
: Family:
$3,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Gold | 21 30 40 50 60 |
$306.95 $348.37 $392.27 $548.19 $833.03 |
$613.90 $696.74 $784.54 $1096.38 $1666.06 |
$808.80 $891.64 $979.44 $1291.28 |
$1003.70 $1086.54 $1174.34 $1486.18 |
$1198.60 $1281.44 $1369.24 $1681.08 |
$501.85 $543.27 $587.17 $743.09 |
$696.75 $738.17 $782.07 $937.99 |
$891.65 $933.07 $976.97 $1132.89 |
$194.90 |
Plan: (PPO) Avera MyPlan $2,500 / $6,350 Out-of-PocketSummary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$2,500
: Family:
$5,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Silver | 21 30 40 50 60 |
$241.87 $274.51 $309.09 $431.96 $656.41 |
$483.74 $549.02 $618.18 $863.92 $1312.82 |
$637.32 $702.60 $771.76 $1017.50 |
$790.90 $856.18 $925.34 $1171.08 |
$944.48 $1009.76 $1078.92 $1324.66 |
$395.45 $428.09 $462.67 $585.54 |
$549.03 $581.67 $616.25 $739.12 |
$702.61 $735.25 $769.83 $892.70 |
$153.58 |
Plan: (PPO) Avera MyPlan $2,500 / $6,350 Out-of-Pocket, Pediatric DentalSummary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$2,500
: Family:
$5,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Silver | 21 30 40 50 60 |
$246.30 $279.54 $314.76 $439.87 $668.43 |
$492.60 $559.08 $629.52 $879.74 $1336.86 |
$648.99 $715.47 $785.91 $1036.13 |
$805.38 $871.86 $942.30 $1192.52 |
$961.77 $1028.25 $1098.69 $1348.91 |
$402.69 $435.93 $471.15 $596.26 |
$559.08 $592.32 $627.54 $752.65 |
$715.47 $748.71 $783.93 $909.04 |
$156.39 |
Plan: (PPO) Avera MyPlan $3,500Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$3,500
: Family:
$7,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Silver | 21 30 40 50 60 |
$228.77 $259.64 $292.36 $408.57 $620.86 |
$457.54 $519.28 $584.72 $817.14 $1241.72 |
$602.80 $664.54 $729.98 $962.40 |
$748.06 $809.80 $875.24 $1107.66 |
$893.32 $955.06 $1020.50 $1252.92 |
$374.03 $404.90 $437.62 $553.83 |
$519.29 $550.16 $582.88 $699.09 |
$664.55 $695.42 $728.14 $844.35 |
$145.26 |
Plan: (PPO) Avera MyPlan $5,000 / 30% CoinsuranceSummary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$5,000
: Family:
$10,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Bronze | 21 30 40 50 60 |
$194.29 $220.51 $248.30 $346.99 $527.29 |
$388.58 $441.02 $496.60 $693.98 $1054.58 |
$511.95 $564.39 $619.97 $817.35 |
$635.32 $687.76 $743.34 $940.72 |
$758.69 $811.13 $866.71 $1064.09 |
$317.66 $343.88 $371.67 $470.36 |
$441.03 $467.25 $495.04 $593.73 |
$564.40 $590.62 $618.41 $717.10 |
$123.37 |
Plan: (PPO) Avera MyPlan $2,500 / $5,800 Out-of-PocketSummary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$2,500
: Family:
$5,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Silver | 21 30 40 50 60 |
$246.45 $279.71 $314.95 $440.14 $668.84 |
$492.90 $559.42 $629.90 $880.28 $1337.68 |
$649.39 $715.91 $786.39 $1036.77 |
$805.88 $872.40 $942.88 $1193.26 |
$962.37 $1028.89 $1099.37 $1349.75 |
$402.94 $436.20 $471.44 $596.63 |
$559.43 $592.69 $627.93 $753.12 |
$715.92 $749.18 $784.42 $909.61 |
$156.49 |
Plan: (PPO) Avera MyPlan $2,500 / $5,800 Out-of-Pocket, Pediatric DentalSummary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$2,500
: Family:
$5,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Silver | 21 30 40 50 60 |
$251.32 $285.23 $321.17 $448.84 $682.05 |
$502.64 $570.46 $642.34 $897.68 $1364.10 |
$662.22 $730.04 $801.92 $1057.26 |
$821.80 $889.62 $961.50 $1216.84 |
$981.38 $1049.20 $1121.08 $1376.42 |
$410.90 $444.81 $480.75 $608.42 |
$570.48 $604.39 $640.33 $768.00 |
$730.06 $763.97 $799.91 $927.58 |
$159.58 |
Plan: (PPO) Avera MyPlan $6,850Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$6,850
: Family:
$13,700 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Catastrophic | 21 30 40 50 60 |
$168.54 $191.28 $215.38 $301.00 $457.40 |
$337.08 $382.56 $430.76 $602.00 $914.80 |
$444.09 $489.57 $537.77 $709.01 |
$551.10 $596.58 $644.78 $816.02 |
$658.11 $703.59 $751.79 $923.03 |
$275.55 $298.29 $322.39 $408.01 |
$382.56 $405.30 $429.40 $515.02 |
$489.57 $512.31 $536.41 $622.03 |
$107.01 |
Plan: (PPO) Avera MyPlan $3,000 / 30% CoinsuranceSummary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$3,000
: Family:
$6,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Silver | 21 30 40 50 60 |
$245.14 $278.22 $313.27 $437.80 $665.28 |
$490.28 $556.44 $626.54 $875.60 $1330.56 |
$645.93 $712.09 $782.19 $1031.25 |
$801.58 $867.74 $937.84 $1186.90 |
$957.23 $1023.39 $1093.49 $1342.55 |
$400.79 $433.87 $468.92 $593.45 |
$556.44 $589.52 $624.57 $749.10 |
$712.09 $745.17 $780.22 $904.75 |
$155.65 |
Plan: (PPO) Avera MyPlan $3,000 / 30% Coinsurance, Pediatric DentalSummary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$3,000
: Family:
$6,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Silver | 21 30 40 50 60 |
$250.15 $283.91 $319.68 $446.75 $678.88 |
$500.30 $567.82 $639.36 $893.50 $1357.76 |
$659.14 $726.66 $798.20 $1052.34 |
$817.98 $885.50 $957.04 $1211.18 |
$976.82 $1044.34 $1115.88 $1370.02 |
$408.99 $442.75 $478.52 $605.59 |
$567.83 $601.59 $637.36 $764.43 |
$726.67 $760.43 $796.20 $923.27 |
$158.84 |
Plan: (PPO) Avera MyPlan $5,000 / 30% Coinsurance, Pediatric DentalSummary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$5,000
: Family:
$10,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Bronze | 21 30 40 50 60 |
$199.19 $226.07 $254.56 $355.74 $540.59 |
$398.38 $452.14 $509.12 $711.48 $1081.18 |
$524.86 $578.62 $635.60 $837.96 |
$651.34 $705.10 $762.08 $964.44 |
$777.82 $831.58 $888.56 $1090.92 |
$325.67 $352.55 $381.04 $482.22 |
$452.15 $479.03 $507.52 $608.70 |
$578.63 $605.51 $634.00 $735.18 |
$126.48 |
Plan: (HMO) Avera MyPlan $6,500Summary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$6,500
: Family:
$13,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Bronze | 21 30 40 50 60 |
$190.41 $216.10 $243.33 $340.05 $516.74 |
$380.82 $432.20 $486.66 $680.10 $1033.48 |
$501.72 $553.10 $607.56 $801.00 |
$622.62 $674.00 $728.46 $921.90 |
$743.52 $794.90 $849.36 $1042.80 |
$311.31 $337.00 $364.23 $460.95 |
$432.21 $457.90 $485.13 $581.85 |
$553.11 $578.80 $606.03 $702.75 |
$120.90 |
Plan: (PPO) Avera MyPlan $2,000 / 20% CoinsuranceSummary of Benefits and Coverage - Plan Brochure - Customer Service Phone: 1-888-322-2115 - Provider Directory for This Plan: (Avera Health Plans, Inc.)
Deductible: Individual:
$2,000
: Family:
$4,000 Monthly Premiums: |
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Metal level | Age | Individual |
Couple |
Couple w 1 Kid |
Couple w 2 Kids |
Couple w3+Kids |
Single w 1 Kid |
Single w 2 Kids |
Single w3+Kids |
Child any age |
Gold | 21 30 40 50 60 |
$305.99 $347.29 $391.05 $546.49 $830.45 |
$611.98 $694.58 $782.10 $1092.98 $1660.90 |
$806.28 $888.88 $976.40 $1287.28 |
$1000.58 $1083.18 $1170.70 $1481.58 |
$1194.88 $1277.48 $1365.00 $1675.88 |
$500.29 $541.59 $585.35 $740.79 |
$694.59 $735.89 $779.65 $935.09 |
$888.89 $930.19 $973.95 $1129.39 |
$194.30 |
†Source: Our summary of lowest costs and numbers of providers is based on a government report released September 25, 2013. For more detailed information about specific plans and providers, see HealthCare.gov.
‡Source: HealthCare.gov has released sample rates for all counties in the 36 states served by HealthCare.gov. We have integrated that data into our tables and provide you that information for Union County here.