Got Insurance? Open Enrollment in the Marketplace will begin Sunday, November 1 through Tuesday, December 15, 2020 for health insurance beginning January 2021.
You can still get 2020 health insurance two ways...
- If you qualify for a Special Enrollment Period due to a life event like losing other coverage, getting married, or having a baby.
- If you qualify for Medicaid or the Children's Health Insurance Program (CHIP).
See if you can get insurance for 2021 at: https://www.healthcare.gov/screener/
Easy to understand information and videos to answer common questions about insurance.
Find free in-person assisters in South Dakota at Community Health Centers Here
Frequently Asked Questions
Am I required to have insurance for my family?
- Starting with the 2019 plan year (for which you'll file taxes in April 2020), the Shared Responsibility Payment no longer applies.
Are there special provisions for American Indians?
- Yes. American Indians can enroll through the Health Insurance Marketplace at any time; they may be eligible for special Medicaid and CHIP allowance; they may not have to pay cost-sharing expenses like copays if income is below an established level; will not have to pay cost-sharing expenses if receiving services through the IHS or other tribal health program and have health insurance; and may be eligible for lower premium costs depending on income and family size.
Can I apply for insurance anytime?
- Generally, applying for insurance or changing insurance companies can only be done during certain periods called Open Enrollment. There are exceptions for life changes like marriage, having a baby, or losing health insurance coverage. Families with limited incomes can apply for Medicaid or CHIP for their children at any time. American Indians can apply for insurance through the Marketplace at any time.
How do I apply for Medicaid/CHIP for my child(ren)?
- Apply online with the SD Department of Social Services (DSS) at https://apps.sd.gov/SS36SNAP/Web/Portal/SystemCompatibility.aspx
- Apply online in the Health Insurance Marketplace at www.healthcare.gov/medicaid-chip/getting-medicaid-chip/
Contact your local DSS office or call 1-800-305-3064 to request an application be sent to you. Or print at http://dss.sd.gov/medicaid/generalinfo/apply.aspx. Mail, fax, or deliver your application to a local DSS office. You can also call your local DSS office to schedule an appointment and apply in person.
Contact a free in-person assister near you to help you with your application. Find local help at www.healthcare.gov/apply-and-enroll/get-help-applying/ or contact a Certified Application Counselor (CAC) listed above.
Is there help if the cost of insurance premiums are more than my family can afford?
- Most people who apply through the Health Insurance Marketplace qualify for insurance premium tax credits that lower the costs of coverage. Some also qualify for savings on deductibles, copayments, and other costs.
When is Open Enrollment in the Health Insurance Marketplace?
- Open enrollment in the Marketplace begins November 1, 2020 and continues through December 15, 2020. January 1, 2020 will be the first date 2020 coverage can start.
Who can apply through the Health Insurance Marketplace?
- If you or your family members don't have insurance through a job, Medicare, Medicaid, CHIP, or another source, the Marketplace helps you find and enroll in a plan that fits your budget and meets your needs. All plans cover pre-existing conditions, preventive care and essential health benefits, including dental and vision coverage for children.