Health Insurance in South Dakota
The average benchmark silver plan premium in South Dakota's ACA marketplace is approximately $560/month before subsidies. Subsidies are available for most people earning 100–400% of the federal poverty level and can reduce your cost significantly or to $0.
Medicaid in South Dakota
South Dakota has expanded Medicaid under the ACA. Adults with incomes up to 138% of the federal poverty level (~$20,780/year for an individual in 2024) may qualify for Medicaid at low or no cost.
South Dakota Health Insurance Context
South Dakota voters approved Medicaid expansion in November 2022, with implementation starting July 2023. The state uses the federal Healthcare.gov marketplace. Premiums are above average due to rural demographics and limited insurer competition.
Health Coverage Options in South Dakota
- Employer-sponsored insurance: Usually the most cost-effective if available
- ACA Marketplace plans: Available at $560/month/month (before subsidies) — subsidies can dramatically lower your cost
- Medicaid: Available in South Dakota for eligible low-income adults
- Medicare: For adults 65+ and qualifying individuals with disabilities
- Short-term health plans: Low-cost but limited coverage — not ACA-compliant
Frequently Asked Questions
How much does health insurance cost in South Dakota?
The average benchmark silver ACA marketplace plan in South Dakota costs approximately $560/month per month before subsidies. Most people who enroll qualify for premium tax credits that can significantly reduce this cost — or bring it to $0 for lower-income households. Use our calculator to estimate your net premium.
Has South Dakota expanded Medicaid?
Yes, South Dakota has expanded Medicaid under the Affordable Care Act. Adults with income up to 138% of the federal poverty level may qualify for Medicaid at little or no cost. Visit your state Medicaid office or healthcare.gov to apply.
When can I enroll in health insurance in South Dakota?
The ACA Open Enrollment Period (OEP) typically runs November 1 – January 15 for coverage starting the following year. Outside of OEP, you can enroll if you have a qualifying life event (job loss, marriage, birth, etc.) through a Special Enrollment Period (SEP). Medicaid enrollment is open year-round in South Dakota.
What is the best health insurance plan in South Dakota?
The best plan depends on your health needs, budget, and preferred doctors. In South Dakota, compare Silver plans on the marketplace — they balance premiums and out-of-pocket costs for most people. If you qualify for Medicaid, that is typically the most affordable option. Use our calculator to model different scenarios.