South Dakota Small Group Plans

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Small Business Health Insurance

Explore our health insurance plans available to small businesses in South Dakota with 2 to 50 employees. We offer a variety of plans you can elect to offer through your employee benefits program. Based on the number of employees taking coverage, you have the following number of plans to choose from:

  • 1-2 employees: 1 plan
  • 3-9 employees: 2 plans
  • 10-24 employees: 3 plans
  • 25-50 employees: 4 plans

2022 Plan Options

See this overall view of our plan options for employers with fewer than 50 employees:

Are you an employer in Minnehaha, Lincoln or Brown County? Avera Preferred Plans provide the best value for your business and connect your employees to cost savings and comprehensive benefits. They 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.

Gold Plans

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

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Silver Plans

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

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Bronze Plans

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

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1 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 virtual visits. If you have an HSA-eligible plan, you may use your HSA or Flex spending dollars for this service. 2 Available to South Dakota and Iowa ACA small group plans only.

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.

Want to see for yourself?

Browse Network Providers

Value-Added Services

Avera Health Plans offers a variety of value-added services to complement the benefits that group plans provide. Depending on the group plan selected, value-added services may differ.

Virtual Visits

With Avera Health Plans Virtual Visits, employees get free, 24/7 access to online provider visits for urgent care.1 These visits are covered 100% for fully insured groups.

Life Insurance

Your employee plan subscribers receive a $15,000 life insurance policy.2 Additional life insurance options are available for purchase to all qualified groups.

Fitness Membership

Your employees participating in a health insurance plan may be eligible to receive discounts or memberships to South Dakota fitness facilities.

COBRA Services

All group businesses receive COBRA administration services at no additional fee, if you elect. Services are compliant with COBRA/Continuation of Coverage administration requirements.

Employee Assistance Program (EAP) [[no cost to SD ACA]]

The Avera Health Plans EAP offers confidential counseling sessions with a licensed mental health professional at no cost for employees, spouses and eligible dependents.

  • EAP can help with issues such as parenting, marital counseling, balancing work and home life, depression, anxiety, grief and more.
  • The three-visit EAP benefit is included with all South Dakota ACA small group plans. All group employees and their family members each have access to a total of three EAP visits every year at no cost. These visits are available even if the employee opts not to enroll in coverage from Avera Health Plans.
  • All groups have the option to expand access with the purchase of a five-visit benefit option. The five-visit benefit is available to the subscriber, spouses and eligible dependents.

When you offer a health insurance plan that helps them move their health forward, you’re investing in your team’s lives and their productivity for your business.

Well-Being Programs

Our well-being programs include population health services, which is a comprehensive umbrella of engagement opportunities and resources for employers and employees to experience holistic health care. We'll provide members opportunities to improve their long-term well-being while allowing employers to proactively manage health care costs and better pinpoint the current and potential care needs of employees. Services available include:

LiveNOW Employee Well-Being Program

  • Group-specific well-being portal
  • Health Risk Assessment
  • On-site screenings or virtually delivered screenings
  • Health coaching by referral

Learn more about LiveNOW.

Personal Health Services

  • Nurse case management
  • Pharmacy and medication adherence solutions
  • Quality and data reporting
  • Member health advocates

Your Trusted Partners in Health

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Our local team is happy to help make sure you have the right plan for your health care needs and budget.

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You can also call our sales team toll-free at 855-692-8372.

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