Federal Health Care Reform in South Dakota
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South Dakota opted not to set up a Health Insurance Marketplace, which means federal law will include South Dakotans in the Federally Facilitated Marketplace.

There are two different markets in the Marketplace, the Individual Market, and the Small Business Health Options Program (SHOP). Both markets, inside and outside the Marketplace, have an open enrollment period for 2016 that begins on November 1, 2015 with coverage options that starting as early as January 1, 2016. Inside the Marketplace, the Individual Markets’ open enrollment period ended on January 31, 2016. A health insurance issuer may issue a health plan to any individual applying for coverage outside of an insurance Marketplace and outside of an open enrollment period, pursuant to South Dakota Rule 20:06:39:63. The SHOP has continuous enrollment.

As of January 1, 2014, carriers are required to offer policies on a guarantee issue basis. This means that regardless of your health status you will be able to obtain coverage with no pre-existing condition riders. For more information, links to resources created by the Federal Government have been provided below.

The open enrollment for 2016 coverage begins on November 1, 2015 and ends January 31, 2016.

2016 Open Enrollment is
November 1, 2015 through January 31, 2016
Click here to enroll

Medicaid/Children’s Health Insurance Program (CHIP)