Expertise.com

2024

Last updated:

Best Health Insurance Agencies in South Dakota

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored South Dakota Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

16839Reviewed

10109Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

South Dakota
Website

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Google
5.0 (9)

Why choose this provider?

AKP Health Insurance caters to the health plan needs of clients in South Dakota and nearby areas. The agency offers various comprehensive health insurance policies that cover laboratory tests, doctor consultations, hospital stays, and prescription drugs. In addition, it has other insurance products that cover critical illnesses, accidents, dental procedures, and ophthalmology. AKP Health Insurance also serves individuals and families in Texas, North Carolina, New Mexico, and South Carolina. It is ACA-compliant and its agents are FFM-certified.

  • Group Plans
  • Individual Plans

South Dakota
Website

Expertise.com Rating

Review Sources

Google
5.0 (28)
Facebook
5.0 (13)

Why choose this provider?

South Dakota Senior Insurance Agency (SDSIA) assists individuals and families in and around the state with finding the right policy for their health needs. The insurance brokerage firm specializes in senior citizen-related Medicare supplement plans, which cover expenses for prescription drugs and doctor visits. It also has dental, hearing, and vision insurance options. SDSIA offers other products related to health, long-term, critical illness, and life insurance. The agency's founder, Brian Spire, has been in the insurance industry since 2008.

  • Medicare Supplement Insurance
  • Dental and Vision Insurance
  • Life Insurance

South Dakota
Website

Expertise.com Rating

Review Sources

Google
4.1 (9)

Why choose this provider?

Anderson Insurance serves people in South Dakota. It offers health insurance policies that protect policyholders and their loved ones from costly medical expenses and retirement difficulties. Its independent insurance brokers—who have over 45 years of combined experience—handle Medicare, Medicare Supplements, short-term health, and corporate health benefit packages. They also educate people on managing their finances through HSA, HDHP, or FlexPlan programs. The company provides healthcare plans based on the specific needs of its clients, rather than selling unnecessary services.

  • Individual Health Insurance

South Dakota
Website

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
3.3 (4)

Why choose this provider?

Midwest Employee Benefits is a full-service insurance company serving South Dakota. It offers group and individual health coverage options for cancer treatment, dental services, disability, accidents, surgeries, and prescription drugs. Its benefit specialists also assist clients who need Medicare and vision insurance products. Midwest Employee Benefits provides insurance education in line with the Affordable Care Act. Its owner, Dawn Knutson, has over 25 years of experience in the insurance industry and is a Chartered Health Care Consultant and Registered Health Underwriter.

  • Medicare Supplement Insurance
  • Individual Health Insurance
  • Life Insurance

South Dakota
Website

Expertise.com Rating

Review Sources

Google
5.0 (15)
Facebook
5.0 (6)

Why choose this provider?

Mark Mehlhoff Insurance helps families and individuals in South Dakota find the suitable protection they need. The business has agents who provide its clients with various insurance products such as group health, life, disability, long-term care, critical illness, and health insurance plans. It also works with other insurance companies to provide customers with different options and determine which policy matches their lifestyle and health needs. Mark Mehlhoff Insurance has been in the industry since 1997.

  • Life Insurance
  • Individual Plans

South Dakota
Website

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Tri County Insurance Agency caters to individuals and businesses in South Dakota. It has health insurance products that include Medicare and individual long-term care. In addition, it has policies that include coverage for disability, vision, and dental care. Auto, home, business, farm, and personal insurance plans are also available. The local firm partners with carriers like CNA Surety, Progressive, Wellmark, and Farmers Alliance to offer a selection of coverage options. Rich Rasmussen, the owner, has been in the industry for over 30 years.

  • Individual Health Insurance

South Dakota
Website

Expertise.com Rating

Review Sources

Google
4.6 (12)

Why choose this provider?

Schulz Insurance is an independent agency that assists in securing insurance plans for individuals, families, and businesses throughout South Dakota. The locally owned and operated agency represents a vast network of health insurance companies that provide coverage for a variety of health concerns, thus protecting clients from significant financial loss caused by unexpected medical costs. Schulz Insurance has been in business for more than 29 years and also offers home, auto, farm, and commercial insurance.

  • Life Insurance

South Dakota
Website

Expertise.com Rating

Why choose this provider?

King Insurance Agency deals with clients across South Dakota. It offers different health plans—like managed care and fee-for-service policies—to help individuals cover hospital expenses. It also sets up insurance plans that provide coverage for prescription drugs. For clients aiming to manage assisted living facility expenses or nursing home bills, the agency offers long-term care insurance. It is a family-operated enterprise that has been in the industry since 1999. Its roster of partner firms includes Wellmark of South Dakota and Progressive.

  • Individual Plans

South Dakota
Website

Expertise.com Rating

Review Sources

Google
4.5 (4)

Why choose this provider?

Home Run Insurance Agency caters to the health care needs of individuals and families in South Dakota. Its team of advisors, led by the owner Suzanne Meyer, helps clients maneuver the health insurance-buying process. Meyer and her team advise clients of various options and benefits and work with multiple carriers to find the best solution for each need. Meyer has been in the insurance industry since 1982 and started as a Prudential agent in the life, health, and disability market.

  • Individual Health Insurance

South Dakota
Website

Expertise.com Rating

Review Sources

Google
4.9 (9)

Why choose this provider?

Koch Insurance is a team of independent agents serving residents in South Dakota. They furnish health insurance policies, tailoring them according to clients' unique coverage needs. The risk management specialists, who have more than 155 years of combined experience, provide health protection plans that help pay for medical expenses such as emergency room visits and surgeries. Medicare plans and life insurance are also available. Koch Insurance opened its first location in 1953. It has offices in Tyndall, Tabor, Tea, Yankton, and Springfield.

  • Group Plans
  • Individual Plans

South Dakota

Expertise.com Rating

Review Sources

Google
4.9 (15)
Facebook
4.8 (15)

Why choose this provider?

Linda Shoup is a State Farm insurance agent who serves individuals, families, and businesses in South Dakota, Aberdeen, and Eureka. She offers a wide assortment of personal insurance plans, such as health, life, homeowners', condo, renters', and auto insurance plans. She also provides insurance policies for business owners. In addition, she and her team assist with home loans, mutual funds, and annuities. Linda Shoup has been working under State Farm for more than seven years.

  • Life Insurance
  • Individual Plans

South Dakota

Expertise.com Rating

Review Sources

Facebook
5.0 (19)

Why choose this provider?

American Trust Insurance has been serving South Dakota since 2004. The firm provides health insurance options, including individual and group plans. Its packages include dental and vision coverage, long-term care, disability, and prescription insurance. The firm has partnered with insurance carriers to customize the insurance program to fit the policyholder's specific needs. As a way of giving back to the community, it collaborated with nearby schools to distribute interactive coloring books and crayons to help students learn about fire safety.

  • Individual Health Insurance
  • Life Insurance

South Dakota
Website

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
5.0 (3)

Why choose this provider?

Midwest Division Insurance Agency provides risk management solutions to the people of South Dakota. Its advisors help find a health insurance plan that fits the needs of individuals, families, and senior citizens. They underwrite specialty policies for specific health-related concerns, like stroke, cancer, and heart disease, as well as vision, dental, and hearing care coverage. Life, long-term care, and Medicare Supplemental plans are also offered. The family-run insurance firm has been in operation since 2009.

  • Life Insurance

South Dakota
Website

Expertise.com Rating

Review Sources

Google
5.0 (49)
Facebook
5.0 (5)

Why choose this provider?

Kari Bauman is an insurance professional who provides risk management solutions in South Dakota. She processes different types of personal protection plans, including health insurance. She aims to protect families and individuals from monetary losses due to serious illnesses and assists clients in filing claims to reimburse hospital or medical expenses. The agent and her team also offer life, pet, auto, condominium, and homeowners' insurance. Kari has been working with State Farm for over 15 years.

  • Life Insurance
  • Individual Plans

FAQs

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.

Related Articles

FeaturedHow To Get Health Insurance

How To Get Health Insurance

In this article, we’ll explore the world of health insurance, providing insights into employer-sponsored plans, individual in...

Featuredcovid-vaccine-health-insurance-banner

Survey: 3 Out of 10 Think Unvaccinated Should Pay More for Health Insurance

We surveyed 600 adults, asking them questions, if they’ve gotten vaccinated, why they decided to get vaccinated, and if they ...