South Dakota Health Insurance

As a resident of South Dakota, you have plenty of South Dakota health insurance options to choose from. There are multiple insurance companies in South Dakota that provide a range of plans for a variety of health needs.

Here you'll be able to get helpful information for finding health insurance in South Dakota. See some of the state's top health insurance companies and read about the important South Dakota health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public South Dakota health insurance programs.

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If you would like to get free quotes and compare South Dakota health insurance plans now, start with our simple form on the left.

Resources on this page

South Dakota Health Insurance Laws and Regulations

Public Health Insurance Programs for South Dakota Residents

South Dakota Health Insurance High Risk Pools

South Dakota Health Insurance Companies

Contact Info for the South Dakota Division of Insurance and Department of Health

South Dakota Health Insurance Laws and Regulations

In general, South Dakota health insurance companies will look at an applicant's health status before accepting them into a plan.

But South Dakota health insurance plan shoppers have certain protections. Under the federal law, HIPAA, individuals buying a plan on their own must be accepted into coverage if they had recently left a group plan covered by their previous employer. Insurers also may not impose coverage restrictions for anyone who is HIPAA-eligible.

If a resident is turned down for coverage, they can still purchase health insurance in the South Dakota Risk Pool if they meet eligibility requirements.

South Dakota health insurance law also requires all health plans to provide coverage for medical services such as:

Mammograms and prostate cancer screening
Care for pregnant women
Equal coverage for mental health conditions and physical conditions

South Dakota health insurance plans are also guaranteed renewable, which means a health insurance company cannot cancel coverage if a policyholder becomes sick or gets injured.

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South Dakota Public Health Insurance Programs

Here are the public South Dakota health insurance programs that offer financial assistance for low-income residents with no health insurance:

Medicaid
South Dakota Medicaid offers health insurance for low-income and disabled residents. To get more information about Medicaid in South Dakota, visit this website.

South Dakota Children's Health Insurance Program
For children who do not qualify for Medicaid, they may be able to get health insurance through the CHIP program. Learn more about this South Dakota health insurance for children online.

All Women Count
This program provides free mammograms and cervical cancer screenings for low-income women in South Dakota. Learn more about this South Dakota health insurance program for women here.

South Dakota Medicare
Seniors can find South Dakota health insurance through Medicare Advantage, Supplement and Original Medicare.

The Federal Health Coverage Tax Credit is another financial assistance program designed for trade workers and early retirees. To learn more about this program, visit them online.

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South Dakota Health Insurance High Risk Pool

Residents in South Dakota with medical conditions can get health insurance from a high risk pool established by the Patient Protection and Affordable Care Act.

The Pre-Existing Condition Insurance Plan (PCIP) in South Dakota will work similar to regular South Dakota health insurance plans. The plans will require enrollees to pay affordable premiums and out-of-pocket costs.

Enrollees in the South Dakota PCIP will pay around the same amount that people without medical conditions pay for health insurance. The estimated premiums for South Dakota residents will range from $206 to $626 per month and will be higher for smokers. The plan has a $2,000 deductible which must be met before health insurance benefits kick in. There is also an out-of-pocket limit set at $4,250 a year for medical services and $1,500 for prescription drugs.

People in South Dakota with medical conditions will have coverage for prescription drugs, doctor and hospital visits, emergency services and more.

Individuals may apply for the South Dakota PCIP program if they are a United States citizen, have a pre-existing condition and have been without health insurance for six months.

For more information on the South Dakota health insurance high risk pools visit http://fedhighriskpool.sd.gov.

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The following list of companies offer health insurance plans in South Dakota:

Assurant Health Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.