South Dakota Health Insurance

Updated on: July 30th, 2020

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The South Dakota health insurance landscape includes many avenues through which individuals and families may buy healthcare insurance plans. State residents without access to employer-sponsored coverage can shop for health plans in the private marketplace and through the federal marketplace exchange. Those who are eligible may apply for public health plans such as Medicaid and CHIP offers health insurance quotes for Obamacare individual insurance plans, as well as short term health insurance, small employer health plans and provides access to Medicaid information.

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South Dakota and the Affordable Care Act

When the Affordable Care Act took effect and required most Americans to buy health insurance coverage, South Dakota elected to participate in the federally facilitated marketplace. When residents enroll in ACA-compliant health plans sold through the health insurance exchange, they can apply for income-based financial assistance that helps lower their monthly health insurance premiums and out-of-pocket expenses for healthcare.

Only marketplace plans are eligible for income-based premium tax credits and cost-sharing subsidies. Individuals and families can find both marketplace, on-exchange plans and private, off-exchange plans at For those who qualify for financial assistance, will connect them to the right exchange to complete their enrollment.

The Small Business Health Options Program (SHOP) provides a way for employers with 50 or fewer full-time employees to offer healthcare benefits.

Medicaid expansion in South Dakota

While many states have expanded Medicaid to single, low-income adults since Obamacare took effect, South Dakota has not. Residents that want to apply for Medicaid must meet certain eligibility criteria set by the state.


The South Dakota Children’s Health Insurance Program (CHIP) provides low-cost health insurance for eligible children.

Get free quotes on South Dakota health insurance plans from leading companies at, and apply directly for healthcare coverage online.

South Dakota has a good healthiness overall, above the national average. The United Health Foundation ranked it this year as the 18th healthiest state in America. This is a nice increase compared to 2008 when South Dakota was ranked 21st healthiest state in America. Key factors that helped South Dakota increase its health in the past years were the low drug rates and fewer children living in poverty.

South Dakota spends about $75 per person in public, which ensures that accessibility to health care is good, with average percentages of ready primary care access. If they can work on their Health weaknesses over the year, they can invert the tendency again. But so far, South Dakota is a good, healthy place to live.

South Dakota Division of Insurance
445 East Capitol Avenue
Pierre, SD 57501
Phone: (605) 773-3563

South Dakota Department of Health
600 East Capitol Avenue
Pierre, SD 57501-2536
Phone: 1-800-738-2301

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