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How COBRA Insurance Works In South Dakota

South Dakota law §§ 58-18-7.5, 58-18-7.11 to 58-18-7.15, and 58-18C-1 outline the state’s continuation coverage requirements, which allow individuals to continue their employer-provided health insurance for a period of time after certain qualifying events, such as job loss or reduction in hours, without regard to the number of workers the business employs.

The law applies to group health plans that provide hospital, surgical, or major medical expense insurance and requires that eligible individuals receive notice of their right to continuation coverage and the process for electing it.

COBRA Eligibility

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Continuing Health Insurance Coverage In South Dakota

Please choose:

No Pre-Existing Conditions
Term Medical Gap Coverage

Available in some states, as low as $44/month

Coverage For
Pre-Existing Conditions

$400 – 700/month per individual

Nearing Retirement Age

Learn about Medicare Advantage

South Dakota’s Mini-COBRA Law

South Dakota’s mini-COBRA law requires that every self-insured health benefit program, and every group health insurance policy that provides benefits for medical or hospital expenses, must allow employees to continue their coverage for themselves and their eligible dependents for a period of 18 months after leaving their job or having their coverage terminated by the insurer, except in cases where the policy or contract itself is terminated and replaced with similar coverage. This coverage extension applies to health insurance plans delivered or issued for delivery in the state by commercial health insurance companies, nonprofit medical and surgical service plan corporations, nonprofit hospital service plan corporations, health maintenance organizations, or any other similar mechanism. However, the terminated employee is responsible for the premium payments, and the employer’s non-payment of premiums constitutes termination by the employer. In cases where a qualified beneficiary has been determined to be disabled under title II or XVI of the Social Security Act during the first 60 days of continuation coverage, coverage can be extended for up to 29 months.

Source: South Dakota Codified Law Code of Laws Unannotated (Code § 58-18-7.5)

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Pre-Existing Condition Coverage In South Dakota

It is essential to have a major medical plan to ensure that you have adequate health insurance coverage. Pre-existing conditions are medical conditions that existed before the effective date of your health insurance policy, and they can include both chronic and acute conditions.

Affordable Care Act-certified Major medical plans are designed to provide comprehensive health insurance coverage, including coverage for hospitalization, surgery and other medical services that may be required due to pre-existing conditions.

Marketplace / Obamacare

Sometimes state and federal subsidies help offset the premium for individual marketplace insurance.

A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.

In 2023, the average ACA health plan premium in South Dakota is $608/month per individual, according to the Kaiser Family Foundation.

You May Qualify For A Subsidy

Apply For COBRA

Employer Has 20+ Employees

As an employee, you may continue your most recent work health insurance for up to 18 months. Family members may access the plan for up to 36 months.

You sign up for COBRA with your former employer or their third party.

The premium will be $400 – 700 / month, per insured person.

South Dakota Allows Short-Term Health Insurance Plans

In South Dakota, you are able to bridge your insurance gap using a private short-term health plan. The following types of coverage provide major medical benefits for new illnesses and accidents that may arise.

Short Term Medical Insurance: New Illnesses & Injury Coverage

Flex term short term medical insurance

Plans begin at $80/month.
Based on age and state availability

The FlexTerm Health Insurance plan provides health insurance coverage to help protect you from the medical bills that can result from newly unexpected Injuries and Sickness.

Coverage begins as early as midnight tonight.

Accident Only Insurance with Telehealth

Coverage begins as early as midnight tonight.

Pre-existing Conditions Do Not Exclude You From Accident Only Coverage

Plans start at $44/month.
Based on age and state availability

Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.

Includes Telehealth giving you access to prescribing doctors for common issues.

Limited Indemnity with Telehealth

Includes Telehealth giving you access to prescribing doctors for common issues.

Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.

Coverage begins as early as midnight tonight.


After your workplace insurance ends, you’ll sign up for Medicare within 8 months.

In general, you can sign up for Part A and Part B starting three months before your 65th birthday and ending three months after your 65th birthday.

Learn more about Medicare deadlines and how Medicare Advantage plans can replace original Medicare at no cost to you.

COBRA Is Available in All 50 States

Employee continuation of health insurance coverage is not required in all states. When a state lacks laws governing the continuation of work-related medical benefits, the federal COBRA Act protects these rights. Find out more about your state.

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