There are currently only two health insurance providers in South Dakota, but application can be relatively easy!
Licensed Agent
Health Insurance Quote
How to Buy Health Insurance in South Dakota
Some South Dakota residents may already receive health insurance through an employer or the federal government. For those who do not, there are two private insurance companies that offer comprehensive packages to suit a number of individual needs. Health insurance in South Dakota is offered in five tiers: Catastrophic, Expanded Bronze, Silver, and Gold.
How to Apply for Health Insurance in South Dakota
The open enrollment for 2023 health insurance plans in South Dakota begins on November 1, 2022. Health insurance plans in South Dakota are available to residents via federal and private insurance companies.
Health Insurance Carriers In South Dakota
There are two health insurance carriers in South Dakota available on the state exchange: Avera Health Plans Inc. and Sanford Health Plan.
South Dakota Health Insurance Costs Overview
The cost of health insurance in South Dakota will depend on many factors, including the carrier you choose, the tier of package you need, and other factors, including where you live and your general health status.
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
The following premiums are calculated for the average 40-year-old.
How Much Does Health Insurance Cost in South Dakota?
The average monthly benchmark premium in South Dakota is $616 per month in 2024.
What is the Cheapest Health Insurance Plan in South Dakota?
Premiums for the forthcoming year in South Dakota are set by an insurer, and approved by the federal health insurance exchange. To see the best plan that will suit your needs, contact us or enter your zip code below!
Licensed Agent
Health Insurance Quote
Cheapest South Dakota Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2025 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in South Dakota in 2025 was $645.
Silver Plans
The average lowest cost premium of a Silver Plan in South Dakota in 2025 was $616.
Bronze Plans
For a Bronze plan, the average lowest premium in 2025 was $470.
Other Types of South Dakota Health Insurance Coverage
Catastrophic Health Insurance in South Dakota
Catastrophic health insurance plans are available to South Dakota residents under the age of 30, or those who qualify for a hardship exemption.
Short Term Health Insurance in South Dakota
South Dakota residents who missed the open enrollment period or recently lost coverage from an employer may wish to enroll in short-term health insurance. Short-term health insurance in South Dakota is limited to initial terms of less than 12 months, and a total duration of up to 36 months. Because short-term health insurance does not meet the standards of the Affordable Care Act, it cannot be purchased on the state exchange.
Low Income Health Insurance in South Dakota
Low-income families in South Dakota can apply for Medicaid. Pregnant women in South Dakota qualify for Medicaid.
Licensed Agent
Health Insurance Quote
Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2025, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D