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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.

All group businesses will receive COBRA administration services at no additional fee, if elected.

Here is another resource as your employees shop for plans:

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 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
  • Free or discounted fitness memberships available at select fitness facilities if a location is near you
  • Employee Assistance Plan (EAP) at no cost
  • AveraNow virtual visits* at no cost
  • LiveNOW well-being technology

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

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.

Avera Preferred Plans, new for large businesses in 2021, provide the best value for your employers and connect 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. Large groups that operate in Minnehaha, Lincoln or Brown counties in South Dakota are now eligible for an Avera Preferred Plan product.

You'll also appreciate our Avera Benefit Solution, an 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)

For a large business quote contact your local insurance agent, fill out this online form or contact us at Sales@AveraHealthPlans.com.

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

Flexible Spending Account, Health Savings Account, Health Reimbursement Account

Bundled ancillary services are available for most small and large group businesses in affordable combinations depending on your employers’ needs and budget. Employers choose which services they want to offer employees for a specific cost per month in addition to their premium.

Learn more about ancillary products by contacting sales@averahealthplans.com

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.


*For most members. Some limitations apply. NOTE: IRS guidelines indicate that members with HSA-eligible plans may be subject to tax penalties if they use the free AveraNow service. If you have an HSA-eligible plan, you may use your HSA or Flex spending dollars for this service.