Health insurance
has never been easier.

Find Out My Options

Free Assistance from Navigators

Review eligibility
for Medicaid and Marketplace
Accurately complete your application
Help selecting a plan
Assistance Understanding Your Plan

All services are free, every time, to all South Dakotans.

YOU DESERVE ACCESS TO QUALITY, AFFORDABLE HEALTH CARE.

Your health care starts with access to health insurance. Too many South Dakotans go without coverage, because the process can be confusing. It’s our mission to make enrolling in insurance easy.

We’re here to help you every step of the way!

What We Do:

  • Answer your questions about health insurance;
  • Help you apply for coverage through the Health Insurance Marketplace or Medicaid; and,
  • Compare plans that work best for your needs and budget.

Who We Serve:

All South Dakotans, including:

  • Rural communities;
  • Low-income individuals;
  • American Indians;
  • And Medicaid-eligible individuals.
Get Help Now

When to Enroll in Health Insurance

Every year enrollment is between November 1–January 15. This is the time to compare your coverage, select a plan for the upcoming calendar year, and get enrolled! Enrolling in health insurance will get you covered for routine health screenings and unpredictable health setbacks. Take a step towards better health by working with our trained Navigators (for free!) to answer all the questions you have and find a plan that fits your needs and budget best.

4 out of 5 people find a Marketplace plan for $10 or less a month!

How do you get coverage
outside of the open enrollment period?

You may qualify to enroll in, or change your insurance plan outside of Open Enrollment if you:

  • Experienced income changes;
  • Lost past health insurance coverage;
  • Lost Medicaid or Children’s Health Insurance Program (CHIP) coverage*; 
  • Got married;
  • Had a baby;
  • Adopted a child;
  • Moved to a different zip code;
  • Or gain a membership in a Federally recognized Tribe.  

Native American? Learn about your health insurance options here.

We believe everyone deserves access to affordable, quality health care. Get Covered SD and our trained staff (Navigators) are here to help you understand your health insurance options and can help you enroll in the plan that is best for you. Navigators walk with you every step of the way. We provide education on health insurance, assist with Medicaid and Marketplace applications, determine your eligibility for premium tax credits to reduce the cost of insurance, and help you select the plan that is right for you based on your needs. We help you Get Covered!

Let Us Help You

MEET YOUR LOCAL NAVIGATOR

Navigators are trained staff that offer free support to South Dakotans. We provide fair and accurate information about your health insurance options. We’re not “selling” insurance. We receive no monetary incentives when you use our services or enroll for a plan that works for you. We’re simply here to help!

Meet the Navigators

Hear From Individuals We’ve Helped

Your life’s changes are already complicated enough. We eliminate the burden and confusion that often comes with health insurance. Hear from our community to see how we helped them in their unique situation!

Cheryl:

I needed health care coverage that wasn’t offered at IHS. I was in a bind because I needed some tests done that were pretty expensive. That’s when I started searching for other health care options.

Whitney:

I am currently going to back to school for nursing. Since I’m no longer working full-time, I lose my health insurance.  I panicked at first because I didn’t know what the cost would be for a Marketplace plan. A Navigator walked through the process and I realized it was going to be a lot more affordable than I imagined.

For More Info

Nondiscrimination Notice

This page is supported by the Centers for Medicare and Medicaid Services (CMS) of the U.S. Department of Health and Human Services (HHS) as part of a financial assistance award totaling $1,600,000 with 100 percent funded by CMS/HHS. The content are those of the author(s) and do not necessarily represent the official views of, nor an endorsement, by CMS/HHS, or the U.S. Government.

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