South Dakota Health Insurance Regulations

South Dakota has more stringent health insurance regulations.

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South Dakota health insurance laws

South Dakota health insurance policies are required to inculde the following:

  • a guaranteed renewability provision
  • a pre-existing condition exclusion periods of less than 12 months
  • automatic coverage for newborns and adopted children for 31 days.

South Dakota health insurance regulations

South Dakota health insurance companies can:

  • deny you health insurance on the basis of your health
  • charge you higher premiums basis of your health.

South Dakota health insurance companies must:

  • offer state standardized health insurance policies (if youve had prior coverage).
  • renew an existing health insurance policy even if you're ill.

South Dakota health insurance: temporary policies

Conversion plans or short term health insurance plans are the two available temporary health insurance policies.

Other SD health insurance info

For more help, read our health insurance guide.

Or check out our guide to South Dakota small business health insurance.


For more on SD health insurance, visit the South Dakota Department of Commerce & Regulation, Division of Insurance.

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