The open enrollment period for 2023 insurance coverage from Affordable Care Act plans opens today (Nov. 1, 2022) and continues through to Jan. 15, 2023, for consumers with individual policies.
People enrolled by Dec. 15, 2022, will have coverage effective Jan. 1, 2023. Enrollments after Dec. 15, 2022, will have later effective dates.
Open enrollment offers South Dakotans the opportunity to review and purchase health insurance coverage from options available in the general market, as well as the federally facilitated exchange known as the Marketplace.
South Dakota Division of Insurance Director Larry Deiter says consumers may have more affordable options available this enrollment because enhanced federal subsidies in the Marketplace have been extended through 2025. He encourages consumers to use local, licensed health insurance producers when reviewing health insurance needs. If shopping online, beware of popups redirecting to a different site.
Dieter says customers should carefully review plan options because cost sharing, benefit structure and provider networks vary by carrier and plan. He says local insurance producers can help identify any changes in your coverage needs and explain how different plan options will work to meet those needs.
Avera Health Plans, Sanford Health Plan and Wellmark Blue Cross Blue Shield of South Dakota are approved by the Division to sell individual comprehensive health policies during the 2023 open enrollment.
- Avera Health Plans and Sanford Health Plan will have plans available across all of South Dakota.
- Wellmark Blue Cross Blue Shield of South Dakota will offer plans in 16 counties on the western side of the state.
- Any other company offering health coverage is not approved to sell comprehensive coverage in South Dakota via the Marketplace.
Get additional information on open enrollment, including What to Ask When Shopping for Health Insurance, by going to the South Dakota Department of Labor website, calling DOL at 605-773-3563 or emailing insurance@state.sd.us.
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