South Dakota Health Plans

Open Enrollment Happening Now!

If you live in South Dakota and don’t have health insurance through an employer, you can still have coverage with an individual or family plan. Now is the time to enroll for health insurance in 2026!

Find the best coverage for you and your family by shopping plans and signing up. Open enrollment ends Jan. 15, 2026. Sign up before Dec. 15 to begin your coverage Jan. 1, 2026. If you enroll after Dec. 15, 2025, your coverage will begin Feb. 1, 2026.

Shop & Get a Quote See Plan Details

The Affordable Care Act (ACA)-regulated plans are available through private insurance companies like Avera Health Plans or on the Federal Marketplace (Healthcare.gov).

Cost Considerations

You won’t be fined if you don’t have health insurance, but it’s an important investment.
Health care without health insurance could cripple your finances.
ACA-regulated plans offer key benefits and savings potential according to your yearly income.

Learn More

2026 Available Plan Options - On-Exchange and Off-Exchange

You have various plan options to fit your coverage needs and budget. You can view a high-level overview of what’s available in eastern South Dakota and western South Dakota. For detailed information on individual and family health coverage effective Jan. 1, 2026, and after, select the plan documents below to read the Summary of Benefits and Coverage. This will help you identify what works best with your budget. You can also view summaries of:

All 2026 plans available through Avera Health Plans and healthcare.gov

Gold Plans

2026 Gold Plans

Gold plans have the best coverage. They feature lower deductibles and lower out-of-pocket expenses when you go to the doctor. The richer coverage offered by Gold plans results in higher monthly premiums.

On- and Off-Exchange Plans

These plans can be purchased directly through Avera Health Plans or on Healthcare.gov – and you may qualify for financial assistance through tax credits (discounted monthly premiums.)

ConnectPlus $0 Gold (pdf)
ConnectPlus $1800 (pdf)
ConnectPlus Standard $2000 (pdf)
ConnectPlus MyWeighForward $2000 (pdf)
DirectConnect $0 Gold (For Brown, Davison, Hanson, McCook, Hutchinson, Lincoln, McCook, Minnehaha, and Yankton counties) (pdf)
DirectConnect $1800 (For Brown, Davison, Hanson, McCook, Hutchinson, Lincoln, McCook, Minnehaha, and Yankton counties) (pdf)
DirectConnect Standard $2000 (For Brown, Davison, Hanson, McCook, Hutchinson, Lincoln, McCook, Minnehaha, and Yankton counties) (pdf)
DirectConnect MyWeighForward $2000 (For Brown, Davison, Hanson, McCook, Hutchinson, Lincoln, McCook, Minnehaha, and Yankton counties) (pdf)

Off-Exchange Only Plans

There are no Gold plans available for direct purchase through Avera Health Plans.

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Silver Plans

2026 Silver Plans

On- and Off-Exchange Plans

These plans can be purchased directly through Avera Health Plans or on Healthcare.gov and offer the most opportunity to save through cost share reductions. You may qualify for cost share reductions (discounted co-pays, coinsurance and deductibles), offered only on Silver plans, and tax credits (discounted monthly premiums), which are applicable to all ACA plans.

ConnectPlus $0 Silver (pdf)
ConnectPlus Standard $6000 (pdf)
ConnectPlus MyWeighForward $6000 (pdf)
ConnectPlus $4500 (pdf)
DirectConnect $0 Silver (For Brown, Davison, Hanson, McCook, Hutchinson, Lincoln, McCook, Minnehaha, and Yankton counties) (pdf)
DirectConnect Standard $6000 (For Brown, Davison, Hanson, McCook, Hutchinson, Lincoln, McCook, Minnehaha, and Yankton counties) (pdf)
DirectConnect MyWeighForward $6000 (For Brown, Davison, Hanson, McCook, Hutchinson, Lincoln, McCook, Minnehaha, and Yankton counties) (pdf)
DirectConnect $4500 (For Brown, Davison, Hanson, McCook, Hutchinson, Lincoln, McCook, Minnehaha, and Yankton counties) (pdf)

Off-Exchange Only Plans

These plans are not sold on Healthcare.gov, meaning they do not qualify for extra savings. They are only available for direct purchase through Avera Health Plans.

$5500 HSA Eligible HDHP (pdf)

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Bronze Plans

2026 Bronze Plans

Bronze plans feature higher deductibles, which will result in more out-of-pocket costs for you when you go the doctor, however these plans have lower monthly premiums.

On- and Off-Exchange Plans

These plans can be purchased directly through Avera Health Plans or on Healthcare.gov – and you may qualify for financial assistance including tax credits that discount your monthly premium.

ConnectPlus $6500 HSA Eligible HDHP (pdf)
ConnectPlus $7500 HSA Eligible HDHP (pdf)
ConnectPlus Standard $7500 HSA Eligible HDHP (pdf)
DirectConnect $6500 HSA Eligible HDHP (For Brown, Davison, Hanson, McCook, Hutchinson, Lincoln, McCook, Minnehaha, and Yankton counties) (pdf)
DirectConnect $7500 HSA Eligible HDHP (For Brown, Davison, Hanson, McCook, Hutchinson, Lincoln, McCook, Minnehaha, and Yankton counties) (pdf)
DirectConnect Standard $7500 HSA Eligible HDHP (For Brown, Davison, Hanson, McCook, Hutchinson, Lincoln, McCook, Minnehaha, and Yankton counties) (pdf)

Off-Exchange Only Plans

There are no Bronze plans available for direct purchase through Avera Health Plans.

Get Quote Contact Us

Catastrophic Plans

2026 Catastrophic Plans

To qualify for these plans, you must be under the age of 30 before Jan. 1, 2023 or qualify for a federal hardship exemption.

On- and Off-Exchange Plans

These plans can be purchased directly through Avera Health Plans or on Healthcare.gov – and you may qualify for financial assistance through tax credits that lower your monthly premium.

ConnectPlus $10,600 HSA Eligible HDHP (pdf)

Off-Exchange Only Plans

There are no Catastrophic plans available for direct purchase through Avera Health Plans.

Get a Quote Contact Us

Downloadable Consumer Guide

Consumer Insights for Health Insurance (pdf)

2025 Available Plan Options - On-Exchange and Off-Exchange

You have various plan options to fit your coverage needs and budget. For individual and family health coverage effective Jan. 1, 2025 and after, select the plan documents below to read the Summary of Benefits and Coverage. This will help you identify what works best with your budget. You can also view summaries of:

All 2025 plans available through Avera Health Plans and healthcare.gov

Gold Plans

2025 Gold Plans

On- and Off- Exchange Plans

These plans can be purchased directly through Avera Health Plans or on Healthcare.gov – and you may qualify for financial assistance through tax credits (discounted monthly premiums.)

Avera Standard $1500 (pdf)
Avera $1800 (pdf)
Avera $2000 (pdf)
Avera Direct Standard $1500 (for Brown, Minnehaha and Lincoln County residents) (pdf)
Avera Direct $2000 (for Brown, Minnehaha and Lincoln County residents) (pdf)
Avera Direct MyWeighForward $1800 (for Brown, Minnehaha and Lincoln County residents) (pdf)

Off-Exchange Only Plans

There are no Gold plans available for direct purchase through Avera Health Plans.

Get a Quote Contact Us

Silver Plans

2025 Silver Plans

On- and Off-Exchange Plans

Avera $4000 (pdf)
Avera $4500 (pdf)
Avera Standard $5000 (pdf)
Avera Direct $4500 (for Brown, Minnehaha and Lincoln County residents) (pdf)
Avera Direct Standard $5000 (for Brown, Minnehaha and Lincoln County residents) (pdf)
Avera Direct MyWeighForward $4000 (for Brown, Minnehaha and Lincoln County residents) (pdf)

Off-Exchange Only Plans

These plans are not sold on Healthcare.gov, meaning they do not qualify for extra savings. They are only available for direct purchase through Avera Health Plans.

Avera $4000 (pdf)
Avera $5200 HSA Eligible HDHP (pdf)
Avera Direct $4500 (for Brown, Minnehaha and Lincoln County residents) (pdf)
Avera Direct MyWeighForward $4000 (for Brown, Minnehaha and Lincoln County residents) (pdf)

Get a Quote Contact Us

Bronze Plans

2025 Bronze Plans

Bronze plans feature higher deductibles, which will result in more out-of-pocket costs for you when you go the doctor, however these plans have lower monthly premiums.

On- and Off-Exchange Plans

These plans can be purchased directly through Avera Health Plans or on Healthcare.gov – and you may qualify for financial assistance including tax credits that discount your monthly premium.

Avera $6000 (pdf)
Avera Standard $7500 (pdf)
Avera $7500 HSA Eligible HDHP (pdf)
Avera Direct $6000 (for Brown, Minnehaha and Lincoln County residents) (pdf)
Avera Direct Standard $7500 (for Brown, Minnehaha and Lincoln County residents) (pdf)
Avera Direct $7500 HSA Eligible HDHP (for Brown, Minnehaha and Lincoln County residents) (pdf)

Off-Exchange Only Plans

There are no Bronze plans available for direct purchase through Avera Health Plans.

Get Quote Contact Us

Catastrophic Plans

2025 Catastrophic Plans

To qualify for these plans, you must be under the age of 30 before Jan. 1, 2024 or qualify for a federal hardship exemption.

On- and Off-Exchange Plans

These plans can be purchased directly through Avera Health Plans or on Healthcare.gov – and you may qualify for financial assistance through tax credits that lower your monthly premium.