Marketplace Open Enrollment Graphic
     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 Get Covered South Dakota.

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


Potter, Roberts, Spink, Stanley, Sully, Walworth


Inter-Lakes Community Action Partnership


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


Clark, Codington, Deuel, Grant, Hamlin, Kingsbury


Rural Office of Community Services


Aurora, Bon Homme, Brule, Buffalo, Charles mix, Clay, Davison, Douglas, Gregory, Hanson, Hutchinson, Jerauld, Jones, Lyman, Mellette, Sanborn,


Western South Dakota Community Action



Bennett, Butte, Corson, Custer, Dewey, Fall River, Haakon, Harding, Jackson, Lawrence,

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.


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              Counties Served: Pennington 

   605-721-8939 ex. 225      

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   Kristen Thompson

              Lake Preston Community Health                             Counties Served: Kingsbury

              Martin Community Health Center                      Counties Served: Bennett, Mellette, Todd

           Woonsocket Community Health            Counties Served: Sanborn  

           Yankton Community Health                   Counties Served: Yankton  

Diana Melvin CAC              605-223-2200         

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

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, 2018 and continues through December 15, 2018. January 1, 2019 will be the first date 2019 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.