South Dakota Health Insurance (2026)
ACA marketplace health insurance rates, Medicaid eligibility, and top insurers in South Dakota. Rates shown before premium tax credits — most buyers qualify for subsidies.
Silver Premium
$530/mo
Age 40, before credits
Avg Deductible
$4,700
Silver plan
Medicaid
Expanded
Up to 138% FPL
Insurers
2
On marketplace
Advertisement
Top Health Insurers in South Dakota
1
Compare PlansBlue Cross Blue Shield
Nationwide network
Avg Monthly
$480
Network
Very Large
Rating
4.5/5
2
Compare PlansUnitedHealthcare
Employer plans
Avg Monthly
$510
Network
Large
Rating
4.3/5
3
Compare PlansAetna
CVS integration
Avg Monthly
$495
Network
Large
Rating
4.2/5
4
Compare PlansCigna
Mental health coverage
Avg Monthly
$490
Network
Large
Rating
4.2/5
5
Compare PlansKaiser Permanente
Integrated care
Avg Monthly
$440
Network
Regional
Rating
4.7/5
Advertisement
Enrollment Requirements & Key Dates
- •Open Enrollment: Nov 1 – Jan 15
- •SD Medicaid covers adults up to 138% FPL (post-2023)
- •ACA subsidies via HealthCare.gov
South Dakota Health Insurance Facts
South Dakota expanded Medicaid via Amendment D ballot in 2022 (effective 2023).
Only 2 marketplace insurers — Wellmark BCBS and Sanford.
40,000+ newly enrolled in Medicaid since 2023.
Advertisement