Boy receiving immunization
Need health insurance or know someone who does? Visit or call the Marketplace at 1-800-318-2596 to apply.  Or connect to local help through Community Action Partnerships or Get Covered South Dakota.

The Affordable Care Act's Open Enrollment period has ended, but you may qualify for Special Enrollment if your family has a qualifying life event such as...                                                                                                                                                                                                           # loss of job-based coverage     # release from incarceration     # a move to another state     # marriage, birth or adoption

South Dakotans can call or visit free in-person assisters (Navigators and Certified Application Counselors) to discuss their healthcare options and enroll in an insurance plan. 

Certified Marketplace Navigators
  • Conduct outreach and education year-round so that South Dakotans have the knowledge to make informed health care choices
  • Provide post-enrollment assistance for consumers who may not completely understand their new health insurance or the protections afforded them through the Affordable Care Act
  • Assist consumers who wish to apply for exemptions from the penalty for non-coverage, or file appeals related to Marketplace decisions
Got Insurance?
Health insurance pays for doctor and clinic services, medications, hospital care, and special equipment when you or your family are sick. It also pays for services that keep your family well, such as immunizations for children and adults, routine checkups, counseling and more. Many insurance plans for children now also include dental and vision coverage.

Individuals buy insurance by paying monthly premiums.
The Health Insurance Marketplace is the place where consumers can get subsidies to lower the cost of monthly premiums, making health insurance much more affordable.  For many people, additional savings are available to lower annual deductibles and other out of pocket costs.  Navigators and Certified Application Counselors in South Dakota can help consumers to learn about these subsidies and cost savings that may be available with Marketplace enrollment. 

There are some public insurance programs, such as Medicaid and CHIP,  that require no - or very reduced - premium payments to cover children and youth in families with limited incomes.

Learn more about insurance and your family's insurance choices....

Navigators and Certified Application Counselors assist consumers to understand their Health Insurance Marketplace coverage options.  They also provide unbiased, no-cost assistance to consumers who wish to enroll in a Marketplace health plan or Medicaid/CHIP.  Navigators conduct outreach and education for communities throughout South Dakota.

Community Action Partnerships Logo

GROW South Dakota                                                     605-626-2565             

   Navigator: Carla Burns           Cell 605-419-1966

      Counties: Beadle, Brown, Campbell, Day, Edmunds, Faulk, Hand, Hughes, Hyde, Marshall, McPherson,  Potter, Roberts, Spink, Stanley, Sully, Walworth


Inter-Lakes Community Action Partnership                         605-692-6391

   Navigator Director:  Kim Jones                                  

      Counties:  Brookings, Lake, Lincoln, McCook, Miner, Minnehaha, Moody and Turner

   Navigator:  Carol Weyh           605-886-7674 Ext. 22   

      Counties:  Clark, Codington, Deuel, Grant, Hamlin, Kingsbury


Rural Office of Community Services                            605-469-5363

   Navigator:  Jennifer Grassrope                             

      Counties:  Aurora, Bon Homme, Brule, Buffalo, Charles mix, Clay, Davison, Douglas, Gregory, Hanson, Hutchinson, Jerauld, Jones, Lyman, Mellette, Sanborn,  Todd, Tripp, Union, Yankton


Western South Dakota Community Action                  605-348-1460

   Navigator:  Joe Castle                                        

   Navigator:  Judy McCarthy     Cell:  605-545-4156  

      Counties:  Bennett, Butte, Corson, Custer, Dewey, Fall River, Haakon, Harding, Jackson, Lawrence,  Meade, Oglala Lakota, Pennington, Perkins, Ziebach

Get Covered South Dakota logo
Easy to understand information and videos to answer common questions about insurance. You will also find free, local people to help you learn about and sign up for insurance.

Alcester Community Health            605-934-2122           Counties Served: Union   

   Chris Gavin CAC                       

Aurora County Community Health         605-554-1015          Counties Served: Aurora

   Kristen Thompson CAC                 

Community Health of the Black Hills        605-721-8939       Counties Served: Pennington

   Barb Storbeck CAC                       

Elk Point Community Health                      605-356-3317        Counties Served: Union 

   Chris Gavin CAC                           

 Falls Community Health                            605-367-8760         Counties Served: Minnehaha, Lincoln, Moody, Lake, McCook, Brookings, Turner

   Pam Janney CAC                         

   Mustafa Rashid CAC                        

   Program Manager Andy Pederson   

Fort Thompson Community Health        605-245-2700          Counties Served: Buffalo

   Kristen Thompson CAC                 

Horizon Health Care, Inc.                       605-772-4525           Counties Served: Hamlin, Kingsbury

   Kristen Thompson CAC              

Howard Community Health                   605-772-4574            Counties Served: Lake, Miner

   Kristen Thompson CAC             

James Valley Community Health         605-554-1015            Counties Served: Beadle, Brown

   Kristen Thompson CAC             

Jerauld County Community Health      605-554-1015            Counties Served: Jerauld 

   Kristen Thompson CAC             

Lake Preston Community Health         605-847-4484             Counties Served: Kingsbury

   Kristen Thompson CAC             

Martin Community Health Center        605-685-6868            Counties Served: Bennett, Mellette, Todd

   Kristen Thompson CAC             

Rural Health Care, Inc.                          605-223-2200            Counties Served: Potter, Hyde, Hand, Jones, Lyman, Potter, Stanley, Sully, Hughes

   Diana Melvin CAC                  

Woonsocket Community Health          605-554-1015           Counties Served: Sanborn

   Kristen Thompson CAC           

Yankton Community Health                605-260-0310          Counties Served: Yankton

   Chris Gavin CAC                   

Logo for Health Insurance
Get answers to common questions, find local help or enroll in a plan online, by phone or with a paper application by visiting or calling 1-800-318-2596.  (TTY: 1-855-889-4325) 24 hours a day, 7 days a week.


Frequently Asked Questions

Am I required to have insurance for my family?
You may have to pay a fee if you don't have health insurance.  The fee is the higher of these two amounts: 2.5% of your yearly household income or $695 per person ($347.50 per child under 18). You'll pay the fee on the federal income tax return you file for the year you don't have coverage. Back to top

Are there special provisions for American Indians?

Yes.  American Indians can enroll through the Health Insurance Marketplace at any time;  they may be eligible for special Medicaid and CHIP allowance; they may not have to pay cost-sharing expenses like copays if income is below an established level; will not have to pay cost-sharing expenses if receiving services through the IHS or other tribal health program and have health insurance; and may be eligible for lower premium costs depending on income and family size. Back to top

Can I apply for insurance anytime?
Generally, applying for insurance or changing insurance companies can only be done during certain periods called Open Enrollment. There are exceptions for life changes like marriage, having a baby, or losing health insurance coverage. Families with limited incomes can apply for Medicaid or CHIP for their children at any time. American Indians can apply for insurance through the Marketplace at any time. Back to top 

How do I apply for Medicaid/CHIP for my child(ren)?
Apply online with the SD Department of Social Services (DSS) at         

Apply online in the Health Insurance Marketplace at                

Contact your local DSS office or call 1-800-305-3064 to request an application be sent to you.  Or print at  Mail, fax, or deliver your application to a local DSS office. You can also call your local DSS office to schedule an appointment and apply in person.          

Contact a free in-person assister near you to help you with your application.  Find local help at
Back to top

Is there help if the cost of insurance premiums are more than my family can afford?
Most people who apply through the Health Insurance Marketplace qualify for insurance premium tax credits that lower the costs of coverage. Some also qualify for savings on deductibles, copayments, and other costs. Back to top

When is Open Enrollment in the Health Insurance Marketplace?
Open enrollment in the Marketplace begins November 1, 2017 and continues through December 15, 2017. January 1, 2018 will be the first date 2018 coverage can start. Back to top

Who can apply through the Health Insurance Marketplace?
If you or your family members don't have insurance through a job, Medicare, Medicaid, CHIP, or another source, the Marketplace helps you find and enroll in a plan that fits your budget and meets your needs. All plans cover pre-existing conditions, preventive care and essential health benefits, including dental and vision coverage for children. Back to top

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The contents of this website were developed under grants from the U.S. Department of Education Project Grant H328M140021; Health Resources and Services Administration (HRSA), U.S. Department of Health and Human Services (HHS) Grant H84MC07994, Family to Family Health Information Center, $90,030 and approximately 5% financed with non-governmental resources. The contents should not be construed as the official position or policy of, nor should any endorsements be inferred by US Department of Education, HRSA, HHS or the Federal Government.