Avera Health Plans provides options to meet people where they are in life. Most members who enroll in an individual and family Marketplace plan with us are eligible for premium tax credit savings that help lower their monthly costs.
Note: Recent changes may affect how these savings are applied. See more about what's changing for 2026.
Insurance Options with Avera Health Plans
Whether you’re young and single, ready to grow your family or looking for options with kids in college, you need health insurance that fits your life. Our plans give you options for choosing your doctor and deductible — including $0 deductible plans and lower cost bronze, silver and catastrophic plans.
Local & National Networks
Our plans give you continued access to local health care from local providers you know, including providers and health systems in Rapid City, Spearfish and beyond.
You also get the benefit of our national network with United Healthcare® Options PPO if you're traveling or have a dependent living outside of the Avera Health Plans network. This network includes 1.3 million physicians and health care professionals and 6,500 hospitals nationwide.
Enhanced Benefits & Services in 2025
- Prescriptions savings through a new pharmacy benefits manager and a new cost-transparency tool. This network includes online options such as Amazon Pharmacy and Mark Cuban Cost Plus Drug Company.
- Virtual visits for urgent and behavioral health care needs
- LiveNOW well-being technology programs for long-term wellness
- ActiveLife gym reimbursement and fitness incentive programs to many gym facilities across the region and country
