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To get a free health insurance quote for your business and answers to your health insurance questions, contact your local agent or request a quote online.

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Plans for Employers

Health Plans for Your Business

No matter the size of your business, count on Avera Health Plans to help you create an insurance package that's valuable to your employees and fits within your company's budget. Our plans are designed to connect members to our large network of quality providers.

You'll also find more than just health insurance. Take time to discover the additional ancillary benefits and value-added services that your business may be eligible for.

Employees and Employer having business meeting on health insurance

Did You Know?

When it comes to qualifying for employer insurance, you don't need to own a big business. You may be eligible for small business health insurance even if you're a two-person operation.

Small Businesses

Small Businesses: 50 Employees or Less

For an overview of our plan options for employers with 50 employees or less, view the:

Avera Preferred Plans

Avera Preferred Plans, new in 2020, provide the best value for your business and connect your employees to cost savings and comprehensive benefits. These plans combine the strength of the Avera network with more than 1,200 providers and the cost-savings of $0 co-pays for primary care, urgent care and chiropractic visits. Preferred Plans are available for small employer groups in Minnehaha, Lincoln and Brown counties.

Value-added Services for All ACA Small Group Business

Your employees receive several value-added services. For example, South Dakota ACA small group members receive the following value-added services:

  • $15,000 of life insurance coverage
  • Discounted fitness memberships available at select fitness facilities if a location is near you
  • ValuePlus discount membership program
  • AveraNow virtual visits

To request a small business quote contact your local insurance agent, fill out this online form or contact us at

See Plans for Small Businesses

Large Businesses

Large Businesses: More than 50 Employees

If your business has more than 50 employees, you'll find a variety of employer plan options.

You'll also appreciate our innovative quoting model which gives you the freedom and flexibility to choose benefits that are affordable and essential to your employees. Select the following options to determine the premium:

  • Deductibles
  • Coinsurance
  • Out-of-pocket maximums
  • Physician office visit (deductible versus co-pay)
  • Physician office visit co-pay: primary care specialist
  • Pharmacy plan variations (including deductible)
  • Emergency room coverage (deductible, co-pay, access fee)

Avera Health Plans also offers a suite of Defined Contribution Plans. Available to all employers with five or more employees, these allow you to manage expenses by choosing a set amount to contribute toward employee health care. They also give your employees the freedom to select a plan that meets their family's medical needs and budget.

For a large business quote contact your local insurance agent, fill out this online form or contact us at

See Plans for Large Businesses

Self-Funded Businesses

Self-Funded Businesses

If you're a large employer, with more than 50 employees, who wishes to fund your own health insurance plan, you can count on our insurance partner, DAKOTACARE Administrative Services (DAS), as an experienced third-party administrator.

Learn More about Self-Funded Plans

Ancillary Products

Ancillary Products

You also have the option to add a variety of ancillary products to your employee health plan, such as:

  • Life insurance
  • Dependent life insurance
  • Dental insurance
  • Vision insurance
  • Employee Assistance Program

Learn More about Ancillary Products

Your Avera Network Advantage

With Avera Health Plans, your employees will have access to our wide network of providers - including Avera Medical Group and many independent providers in our region - a variety of hospitals and medical specialties, including:

  • Nationally accredited cancer specialists and research program
  • Region's largest orthopedic physician team
  • A level IIIB NICU in Sioux Falls and 16 birthing locations throughout South Dakota

If you have employees who live outside the Avera network, Avera Health Plans can extend their network - no matter where they live.

To find out which benefits and value-added services your business can take advantage of contact your local agent or fill out this online form.