Need health insurance or know someone who does?  

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.

Visit or call 1-800-318-2596 to enroll in an insurance plan, find free local assisters to help you at or look below for local assister contact information.

  • Reminder:  No matter who helps you, you can get premium tax credits and other savings ONLY if you enroll in a Marketplace plan. If you qualify for savings, make sure your agent or broker knows to enroll you in a Marketplace plan. 

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 income.

Get Covered South Dakota logo
Easy to understand information and videos to answer common questions about insurance.

 Free in-person assisters at Community Health Centers

Falls Community Health
Counties Served: Minnehaha, Lincoln, Moody, Lake, McCook, Brookings, Turner

   Pam Janney CAC                                         

   Mustafa Rashid CAC                                       

   Program Manager Andy Pederson            

Community Health of the Black  Hills
605-721-8939 ex. 225
Counties Served: Pennington
Kristen Thompson CAC       605-554-1015

Alcester Community Health                  Counties Served: Union             

Aurora Co Community Health               Counties Served: Aurora

Elk Point Community Health                  Counties Served: Union         

Fort Thompson Community Health      Counties Served: Buffalo

Horizon Health Care, Inc.                       Counties Served: Hamlin, Kingsbury

Howard Community Health                    Counties Served: Lake, Miner  

James Valley Community Health          Counties Served: Beadle, Brown

Jerauld County Community Health       Counties Served: Jerauld  

Lake Preston Community Health            Counties Served: Kingsbury

Martin Community Health Center           Counties Served: Bennett, Mellette, 


Woonsocket Community Health            Counties Served: Sanborn  

Yankton Community Health                   Counties Served: Yankton

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

Frequently Asked Questions

Am I required to have insurance for my family?
Starting with the 2019 plan year (for which you'll file taxes in April 2020), the Shared Responsibility Payment no longer applies. 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  or contact a Certified Application Counselor (CAC) listed above. 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, 2019 and continues through December 15, 2019. January 1, 2020 will be the first date 2020 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, $96,750 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.