The South Dakota Division of Insurance reminds residents that ACA open enrollment for 2026 runs now through Jan. 15, 2026. Consumers should review all available plans, as coverage, costs, and benefits may differ from previous years.
Current Marketplace enrollees are encouraged to log in to their accounts, contact their insurers, or consult licensed agents to evaluate 2026 options. The Division also warns against alternatives like health care sharing ministries or discount plans, which lack consumer protections and regulatory oversight.
Key tips for safe enrollment:
- Use only the official site: healthcare.gov
- ACA providers won’t ask about pre-existing conditions
- Enrollment is free—never pay a fee
- Keep records of anyone assisting with enrollment
- Compare plans carefully and understand all terms
For 2026, approved ACA insurers in South Dakota include Avera Health Plans, Sanford Health Plan, and Wellmark Blue Cross Blue Shield (limited counties).
Learn more at dlr.sd.gov/insurance or contact the Division at 605-773-3563 or sdinsurance@state.sd.us.
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