Buying short-term health plans in South Dakota
- South Dakota has its own state regulations regarding short-term health plans.
- Short-term plan terms can’t last more than six months in South Dakota, and can’t be renewed.
- At least six insurers offer short-term plans in the state.
Short-term plans limited to six months in South Dakota
The Trump Administration’s new regulations allow for longer short-term plans, but are clear in noting that a state can impose stricter guidelines. So South Dakota’s six-month limit on short-term plans will continue to apply unless the state enacts legislation to change it.
South Dakota statute also requires insurers offering short-term plans to file a statement certifying that the policies are not being sold as a substitute for major medical insurance, and are instead supplemental insurance.
Which insurers offer short-term plans in South Dakota?
- Everest Prime
- Independence American Insurance Company
- National General
Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.