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Obamacare in South Dakota

South Dakota is one of the smaller states that benefits from Obamacare. It does not have the largest population of beneficiaries leveraging the Affordable Care Act benefits, but the program is still very important for the 21,393 beneficiaries that use the Affordable Care Act as their primary means of insurance. Even though South Dakota has a smaller number of beneficiaries compared to other states, the health insurance exchange is very active, with over 30 plans to choose from as of 2016. Having so many plans provides beneficiaries with lots of options when it comes to purchasing insurance. More information about Obamacare in South Dakota is covered in the following areas:

  • Did South Dakota accept the Obamacare Medicaid expansion?
  • Does the state or federal government run the health insurance exchange in South Dakota?
  • Eligibility for Obamacare in South Dakota
  • How to apply for Obamacare in South Dakota
  • Health plan cost and availability in South Dakota

Did South Dakota Accept the ACA Medicaid Expansion?

What is the Obamacare Medicaid expansion? The Affordable Care Act Medicaid expansion is an optional policy that was offered to each of the states along with Obamacare. As of 2016, South Dakota has not chosen to accept the Obamacare Medicaid expansion, but it is possible for the state of South Dakota to accept it in future years. Applicants that are still wondering what is the expansion of Medicaid can look online to find out Obamacare Medicaid expansion details and see whether or not they are missing out on possible benefits.

The expansion changed the SD Obamacare Medicaid eligibility, making it easier for lower income individuals and families to qualify for Medicaid coverage. When filling out an Obamacare Medicaid application, with the expansion, anyone that reported being 133 percent under the federal poverty level would automatically be eligible for Medicaid coverage.

A concern with this was the ACA Medicaid expansion cost to states, which is part of the reason that South Dakota chose not to accept the plan. The federal government pays for expanded Medicaid coverage for the first three years. After that, financial support drops down to 90 percent. This would leave the state of South Dakota responsible for funding the remaining 10 percent.

Does the State or Federal Government Run the Health Insurance Exchange in South Dakota?

What is the marketplace for health insurance in South Dakota? When applying for health insurance, applicants will go through a website called the Obamacare health insurance exchange, which is run by the federal government. What is the health insurance exchange in South Dakota? The health insurance exchange is what controls the Obamacare healthcare marketplace in South Dakota.

The health insurance exchange collects information about all of the different insurance providers in the area. Each insurance provider has multiple plans available, which is why having the health insurance exchange was created. South Dakota has over 30 different insurance plans available, so having all the plans visible in one place makes it much easier for an applicant to browse and select the plan that best meets his or her needs.

Since the health insurance exchange is run by the federal government, South Dakota does not have to worry about health insurance exchange regulations, or managing the costs for upkeep of the health insurance exchange.

Eligibility for Obamacare in South Dakota

It is very easy to answer the question of who is eligible for Obamacare in South Dakota. One of the main purposes of the Affordable Care Act was making how to qualify for Obamacare very simple. What are the requirements to apply for Obamacare in South Dakota? Applicants have to be legal United States citizens, live in South Dakota, and not be incarcerated. Some additional plans might have Obamacare coverage eligibility requirements, but these requirements are generally for determination for additional discounts and subsidies. The Obamacare income requirements are used for the same reason. Under the Affordable Care Act, an applicant is never denied basic health care coverage because of his or her income level, or any preexisting medical conditions.

How to Apply for Obamacare in South Dakota

The federal government tried to make how to enroll in Obamacare a very easy process. Applicants have a few options with how to get Obamacare in South Dakota. One common question with how to apply for Obamacare insurance is “Can I apply online for Obamacare?” As to where to apply for Obamacare health insurance, applicants can apply from a home computer, or wherever there may be computer access, or applicants can choose to apply in other ways.

Online applications through the health insurance exchange are the most common way to submit applications. It is also possible to print off the application and send it via mail. Applicants that want to get more help can choose to call an agent and apply over the phone, or visit an insurance office in person to receive assistance.

Another common question is “What do I need to apply for Obamacare in South Dakota?” What is needed to sign up for Obamacare are some personal documents and information. Most of the application requires submitting financial information. As such, applicants should have previous pay stubs and tax records on hand. An applicants will also need to have information on his or her past insurance plans on hand.

Health Plan Cost and Availability in South Dakota

One of the first things applicants want to ask is “How much will Obamacare insurance cost me in South Dakota?” How much does Obamacare cost in SD? The cost depends on which provider the applicant is interested in, as well as the specific plan that is selected. In South Dakota, there are only four health insurance providers. This might seem like a small number at first, but as of writing, there were 38 different health plans available from those four providers. Obamacare health insurance price estimates are possible to get when initially submitting financial information. During this process, applicants can get a feel for what sort of tax credits or discounts are available to them. The discounts can make the Obamacare health insurance plans costs change quite a bit.

It is very easy to get tax credits through the Affordable Care Act. Around 86 percent of all beneficiaries qualified for an average tax credit of $228. In addition to that, 47 percent of all beneficiaries get Obamacare coverage for less than $100 after using their tax credits and other discounts.