Find an Individual or Family Health Plan

Get a Quote

You can get a personalized, no-obligation quote for health insurance with Avera Health Plans or apply today by clicking below.

Get a Quote

If you live in South Dakota, you can get the individual or family health insurance plan that fits your budget and coverage needs when you choose Avera Health Plans.

The next open enrollment period is Nov. 1 through Dec. 15. Here are a few tips to consider when looking for a new health plan.

  1. Outside of open enrollment, you'll be able to apply for new health insurance coverage or update your current coverage after you experience a qualifying life event.
  2. If you enroll during the open enrollment period, all coverage begins on January 1.
  3. Review our application checklist, learn how to get health insurance, and identify the best health insurance plan for you.
  4. Download our Guide to Individual Health Insurance where you'll find tips and frequently asked questions about health insurance.
  5. Talk with one of our licensed agents who can identify if you're eligible for tax credits that can lower your monthly premium for any plan level. Call 855-692-8372 or find an agent near you.

2019 Plan Options

2019 Plan Options

For individual and family health coverage effective Jan. 1, 2019, review the following Summary of Benefits and Coverage and identify what works best with your budget.

You can also view our:

Gold Plans

Gold Plans feature lower deductibles, resulting in higher monthly premiums.

Silver Plans

Cost-share reductions (extra savings) can be used on Silver plans only to lower the amount you pay for deductibles, co-pays and coinsurance.

Bronze Plans

Bronze Plans feature higher deductibles, resulting in lower monthly premiums.

Catastrophic Plan

To qualify for this plan, you must be under the age of 30 before Jan. 1, 2019, or qualify for a federal hardship exemption.

2018 Plan Options

2018 Plan Options

For individual and family health coverage in 2018, review the following Summary of Benefits and Coverage and identify what works best with your budget.

You can also view our:

Gold Plans
Silver Plans

Cost-share reductions (extra savings) can be used on Silver plans only to lower the amount you pay for deductibles, co-pays and coinsurance.

Bronze Plans
  • Avera 5000 - Direct Only (not available on healthcare.gov)
  • Avera 5500
  • Avera 6000 - High Deductible Health Plan that can be paired with a Health Savings Account - Direct Only (not available on healthcare.gov)
  • Avera 6250 - Only available for Stanley County
  • Avera 6550 - High Deductible Health Plan that can be paired with a Health Savings Account
Catastrophic Plan

To qualify for this plan, you must be under the age of 30 before January 1 or qualify for a federal hardship exemption.

Why Buy Health Insurance?

  • Health insurance protects you and your savings account from unexpected, high medical costs.
  • You pay less for covered in-network health care, even before you meet your deductible, because of our partnership with Avera Medical Group.
  • You receive free preventive care, including wellness exams and vaccines and, depending on your age, preventive screenings like mammography and colon. Check out our list of preventive services [PDF].

Documents Needed to Enroll

For each applicant - individual or family member - who will be covered by the policy, provide the following information:

  • Name
  • Birth date
  • Social Security number
  • Address
  • Phone number

If you apply in person or through an agent, bring your previous year's tax return, because it will usually contain this and other important information needed for your application.

Helpful Links

  • Pharmacy Coverage Options - Find out if your medications are covered and learn how to get the most from your plan's pharmacy benefits.
  • Do I Qualify for Reduced Payments? - See how you can save on premiums with tax credits and other types of assistance.
  • Discover the advantages you get by being an Avera Health Plans member and how to use your plan to its fullest.
  • Find an agent who can help you understand what your best option is for health insurance.
  • Choose a plan with confidence when you download our worksheet and use it to compare benefits and ensure that you're covered for whatever life brings your way.
  • Find Dental Coverage through Ameritas or Delta Dental.