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2026 Medicare Supplement in South Dakota

Rate data current as of

Attained-Age
Get an overview of Medicare Supplement rates in South Dakota across all available plan letters, including Plans G, N and F.
medicare supplement in south dakota
OVERVIEW

At A Glance: Medicare Supplement in South Dakota

Compare 2026 Medicare Supplement (Medigap) rates in South Dakota. Our licensed, independent agents help you find the best plan at the best price — whether you're new to Medicare or looking to switch carriers.


21
Carriers in South Dakota
$237/mo
Avg. Plan G
$183/mo
Avg. Plan N
$283/mo
Avg. Plan F

2026 averages for age 65, non-tobacco. Rates vary by carrier, ZIP, and underwriting.

Gender:

Average Medigap Rates in South Dakota

2026 average monthly premiums for non-tobacco users across all carriers.

Average Plan G Rates in South Dakota 2026 averages · Non-tobacco · All carriers
Age Avg. Monthly Rate
65 $237/mo
70 $261/mo
75 $308/mo
80 $352/mo

Rates are statewide averages across all carriers. Your actual premium will vary by carrier, zip code, health status, and underwriting factors. Get a personalized quote for exact pricing.


CARRIERS

Medicare Supplement Insurance Providers in South Dakota

Plan A Rate Ranges by Carrier in South Dakota

Age 65 · Non-tobacco · 2026 · Rate varies by zip

South Dakota Farm Bureau Health Plans
$98 /mo
Age 65 · Non-tobacco · Rate varies by zip
Avera Health Plans, Inc.
$120 $296 /mo
Age 65 · Non-tobacco · Rate varies by zip
Philadelphia American Life Insurance Company
$136 /mo
Age 65 · Non-tobacco · Rate varies by zip
LifeShield National Insurance Company
$151 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$152 $376 /mo
Age 65 · Non-tobacco · Rate varies by zip
Insurance Company of North America
$154 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$154 /mo
Age 65 · Non-tobacco · Rate varies by zip
USAA Life Insurance Company
$163 /mo
Age 65 · Non-tobacco · Rate varies by zip
American Benefit Life Insurance Company
$168 /mo
Age 65 · Non-tobacco · Rate varies by zip
First Health Life & Health Insurance Company
$177 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$187 $232 /mo
Age 65 · Non-tobacco · Rate varies by zip
HealthSpring National Health Insurance Company
$193 $362 /mo
Age 65 · Non-tobacco · Rate varies by zip
Nassau Life Insurance Company
$195 /mo
Age 65 · Non-tobacco · Rate varies by zip
AFLAC
$199 /mo
Age 65 · Non-tobacco · Rate varies by zip
Washington National Insurance Company
$203 $251 /mo
Age 65 · Non-tobacco · Rate varies by zip
Everence Association Inc.
$214 /mo
Age 65 · Non-tobacco · Rate varies by zip
Physicians Mutual Insurance Company, Inc.
$220 /mo
Age 65 · Non-tobacco · Rate varies by zip
American Continental Insurance Company
$238 /mo
Age 65 · Non-tobacco · Rate varies by zip
Medica Insurance Company
$245 /mo
Age 65 · Non-tobacco · Rate varies by zip
Heartland National Life Insurance Company
$297 /mo
Age 65 · Non-tobacco · Rate varies by zip
Bankers Fidelity Life Insurance Company
$331 $414 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

Plan B Rate Ranges by Carrier in South Dakota

Age 65 · Non-tobacco · 2026 · Rate varies by zip

Humana Insurance Company
$192 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$198 $489 /mo
Age 65 · Non-tobacco · Rate varies by zip
First Health Life & Health Insurance Company
$201 /mo
Age 65 · Non-tobacco · Rate varies by zip
American Continental Insurance Company
$281 /mo
Age 65 · Non-tobacco · Rate varies by zip
Avera Health Plans, Inc.
$343 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

Plan C Rate Ranges by Carrier in South Dakota

Age 65 · Non-tobacco · 2026 · Rate varies by zip

AARP - UnitedHealthcare Insurance Company
$256 $632 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$257 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$320 /mo
Age 65 · Non-tobacco · Rate varies by zip
Avera Health Plans, Inc.
$399 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

Plan D Rate Ranges by Carrier in South Dakota

Age 65 · Non-tobacco · 2026 · Rate varies by zip

Philadelphia American Life Insurance Company
$142 /mo
Age 65 · Non-tobacco · Rate varies by zip
South Dakota Farm Bureau Health Plans
$176 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$189 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

Plan F Rate Ranges by Carrier in South Dakota

Age 65 · Non-tobacco · 2026 · Rate varies by zip

HealthSpring National Health Insurance Company
$172 $322 /mo
Age 65 · Non-tobacco · Rate varies by zip
LifeShield National Insurance Company
$183 /mo
Age 65 · Non-tobacco · Rate varies by zip
Insurance Company of North America
$197 /mo
Age 65 · Non-tobacco · Rate varies by zip
Nassau Life Insurance Company
$206 /mo
Age 65 · Non-tobacco · Rate varies by zip
American Benefit Life Insurance Company
$210 /mo
Age 65 · Non-tobacco · Rate varies by zip
AFLAC
$211 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$215 $326 /mo
Age 65 · Non-tobacco · Rate varies by zip
Washington National Insurance Company
$230 $284 /mo
Age 65 · Non-tobacco · Rate varies by zip
First Health Life & Health Insurance Company
$256 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$258 $637 /mo
Age 65 · Non-tobacco · Rate varies by zip
Philadelphia American Life Insurance Company
$258 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$260 /mo
Age 65 · Non-tobacco · Rate varies by zip
USAA Life Insurance Company
$275 /mo
Age 65 · Non-tobacco · Rate varies by zip
Physicians Mutual Insurance Company, Inc.
$282 /mo
Age 65 · Non-tobacco · Rate varies by zip
Bankers Fidelity Life Insurance Company
$298 $373 /mo
Age 65 · Non-tobacco · Rate varies by zip
Medica Insurance Company
$301 /mo
Age 65 · Non-tobacco · Rate varies by zip
Everence Association Inc.
$307 /mo
Age 65 · Non-tobacco · Rate varies by zip
American Continental Insurance Company
$363 /mo
Age 65 · Non-tobacco · Rate varies by zip
Avera Health Plans, Inc.
$426 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

High-Deductible Plan F Rate Ranges by Carrier in South Dakota

Age 65 · Non-tobacco · 2026 · Rate varies by zip

Philadelphia American Life Insurance Company
$39 /mo
Age 65 · Non-tobacco · Rate varies by zip
Bankers Fidelity Life Insurance Company
$48 $61 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$48 /mo
Age 65 · Non-tobacco · Rate varies by zip
American Continental Insurance Company
$57 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

Plan G Rate Ranges by Carrier in South Dakota

Age 65 · Non-tobacco · 2026 · Rate varies by zip

LifeShield National Insurance Company
$151 /mo
Age 65 · Non-tobacco · Rate varies by zip
Insurance Company of North America
$156 /mo
Age 65 · Non-tobacco · Rate varies by zip
Avera Health Plans, Inc.
$161 $361 /mo
Age 65 · Non-tobacco · Rate varies by zip
Physicians Mutual Insurance Company, Inc.
$161 $251 /mo
Age 65 · Non-tobacco · Rate varies by zip
HealthSpring National Health Insurance Company
$163 $305 /mo
Age 65 · Non-tobacco · Rate varies by zip
American Benefit Life Insurance Company
$169 /mo
Age 65 · Non-tobacco · Rate varies by zip
Nassau Life Insurance Company
$170 /mo
Age 65 · Non-tobacco · Rate varies by zip
South Dakota Farm Bureau Health Plans
$173 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$175 $333 /mo
Age 65 · Non-tobacco · Rate varies by zip
AFLAC
$178 /mo
Age 65 · Non-tobacco · Rate varies by zip
USAA Life Insurance Company
$182 /mo
Age 65 · Non-tobacco · Rate varies by zip
Washington National Insurance Company
$186 $230 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$189 /mo
Age 65 · Non-tobacco · Rate varies by zip
Everence Association Inc.
$209 /mo
Age 65 · Non-tobacco · Rate varies by zip
American Continental Insurance Company
$210 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$216 $666 /mo
Age 65 · Non-tobacco · Rate varies by zip
First Health Life & Health Insurance Company
$216 /mo
Age 65 · Non-tobacco · Rate varies by zip
Bankers Fidelity Life Insurance Company
$228 $285 /mo
Age 65 · Non-tobacco · Rate varies by zip
Medica Insurance Company
$239 /mo
Age 65 · Non-tobacco · Rate varies by zip
Heartland National Life Insurance Company
$294 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

High-Deductible Plan G Rate Ranges by Carrier in South Dakota

Age 65 · Non-tobacco · 2026 · Rate varies by zip

Philadelphia American Life Insurance Company
$28 /mo
Age 65 · Non-tobacco · Rate varies by zip
Washington National Insurance Company
$36 $44 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$46 $72 /mo
Age 65 · Non-tobacco · Rate varies by zip
Insurance Company of North America
$52 /mo
Age 65 · Non-tobacco · Rate varies by zip
Physicians Mutual Insurance Company, Inc.
$68 /mo
Age 65 · Non-tobacco · Rate varies by zip
Avera Health Plans, Inc.
$70 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

Plan K Rate Ranges by Carrier in South Dakota

Age 65 · Non-tobacco · 2026 · Rate varies by zip

Humana Insurance Company
$78 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$81 $201 /mo
Age 65 · Non-tobacco · Rate varies by zip
Bankers Fidelity Life Insurance Company
$95 $121 /mo
Age 65 · Non-tobacco · Rate varies by zip
Avera Health Plans, Inc.
$207 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

Plan L Rate Ranges by Carrier in South Dakota

Age 65 · Non-tobacco · 2026 · Rate varies by zip

Everence Association Inc.
$126 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$146 $361 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$147 /mo
Age 65 · Non-tobacco · Rate varies by zip
Avera Health Plans, Inc.
$308 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

Plan N Rate Ranges by Carrier in South Dakota

Age 65 · Non-tobacco · 2026 · Rate varies by zip

HealthSpring National Health Insurance Company
$105 $196 /mo
Age 65 · Non-tobacco · Rate varies by zip
Insurance Company of North America
$109 /mo
Age 65 · Non-tobacco · Rate varies by zip
LifeShield National Insurance Company
$118 /mo
Age 65 · Non-tobacco · Rate varies by zip
Bankers Fidelity Life Insurance Company
$121 $151 /mo
Age 65 · Non-tobacco · Rate varies by zip
American Benefit Life Insurance Company
$123 /mo
Age 65 · Non-tobacco · Rate varies by zip
Washington National Insurance Company
$124 $152 /mo
Age 65 · Non-tobacco · Rate varies by zip
AFLAC
$125 /mo
Age 65 · Non-tobacco · Rate varies by zip
South Dakota Farm Bureau Health Plans
$126 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$128 $382 /mo
Age 65 · Non-tobacco · Rate varies by zip
Nassau Life Insurance Company
$130 /mo
Age 65 · Non-tobacco · Rate varies by zip
First Health Life & Health Insurance Company
$131 /mo
Age 65 · Non-tobacco · Rate varies by zip
Everence Association Inc.
$139 /mo
Age 65 · Non-tobacco · Rate varies by zip
Philadelphia American Life Insurance Company
$144 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$144 /mo
Age 65 · Non-tobacco · Rate varies by zip
Medica Insurance Company
$166 /mo
Age 65 · Non-tobacco · Rate varies by zip
USAA Life Insurance Company
$180 /mo
Age 65 · Non-tobacco · Rate varies by zip
Heartland National Life Insurance Company
$185 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$186 $461 /mo
Age 65 · Non-tobacco · Rate varies by zip
American Continental Insurance Company
$190 /mo
Age 65 · Non-tobacco · Rate varies by zip
Physicians Mutual Insurance Company, Inc.
$233 /mo
Age 65 · Non-tobacco · Rate varies by zip
Avera Health Plans, Inc.
$363 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

How we calculate displayed rates

Figures for Medicare Supplement (Medigap) on this page use 2026 filed or community rates from our carrier-rate dataset for South Dakota. Averages roll up multiple carriers and rate classes for the age, gender, and plan letter you select. Your premium can still differ based on ZIP code, underwriting, household discounts, and how the carrier bills the policy. Treat tables as directional guidance, not a binding quote.

Lowest Plan A Rates by Carrier in South Dakota

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
South Dakota Farm Bureau Health Plans Lowest $98/mo $109/mo $138/mo $174/mo
Avera Health Plans, Inc. $120/mo $145/mo $184/mo $213/mo
Philadelphia American Life Insurance Company $136/mo $149/mo $171/mo $183/mo
LifeShield National Insurance Company $151/mo $155/mo $191/mo $228/mo
AARP - UnitedHealthcare Insurance Company $152/mo $167/mo $205/mo $242/mo
Insurance Company of North America $154/mo $157/mo $186/mo $226/mo
State Farm Mutual Automobile Insurance Company $154/mo $194/mo $224/mo $252/mo
USAA Life Insurance Company $163/mo $181/mo $197/mo $211/mo
American Benefit Life Insurance Company $168/mo $173/mo $211/mo $257/mo
First Health Life & Health Insurance Company $177/mo $202/mo $225/mo $238/mo
Humana Insurance Company $187/mo $217/mo $256/mo $291/mo
HealthSpring National Health Insurance Company $193/mo $203/mo $241/mo $280/mo
Nassau Life Insurance Company $195/mo $209/mo $254/mo $297/mo
AFLAC $199/mo $218/mo $257/mo $295/mo
Washington National Insurance Company $203/mo $262/mo $336/mo $420/mo
Everence Association Inc. $214/mo $232/mo $243/mo $258/mo
Physicians Mutual Insurance Company, Inc. $220/mo $252/mo $289/mo $332/mo
American Continental Insurance Company $238/mo $269/mo $315/mo $347/mo
Medica Insurance Company $245/mo $259/mo $305/mo $350/mo
Heartland National Life Insurance Company $297/mo $297/mo $354/mo $429/mo
Bankers Fidelity Life Insurance Company $331/mo $368/mo $416/mo $450/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Lowest Plan B Rates by Carrier in South Dakota

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Humana Insurance Company Lowest $192/mo $227/mo $263/mo $299/mo
AARP - UnitedHealthcare Insurance Company $198/mo $217/mo $267/mo $316/mo
First Health Life & Health Insurance Company $201/mo $235/mo $267/mo $294/mo
American Continental Insurance Company $281/mo $318/mo $372/mo $409/mo
Avera Health Plans, Inc. $343/mo $396/mo $481/mo $568/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Lowest Plan C Rates by Carrier in South Dakota

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
AARP - UnitedHealthcare Insurance Company Lowest $256/mo $281/mo $345/mo $408/mo
State Farm Mutual Automobile Insurance Company $257/mo $324/mo $376/mo $422/mo
Humana Insurance Company $320/mo $378/mo $438/mo $498/mo
Avera Health Plans, Inc. $399/mo $460/mo $560/mo $661/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Lowest Plan D Rates by Carrier in South Dakota

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Philadelphia American Life Insurance Company Lowest $142/mo $157/mo $203/mo $226/mo
South Dakota Farm Bureau Health Plans $176/mo $193/mo $244/mo $306/mo
State Farm Mutual Automobile Insurance Company $189/mo $232/mo $273/mo $311/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Lowest Plan F Rates by Carrier in South Dakota

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
HealthSpring National Health Insurance Company Lowest $172/mo $194/mo $231/mo $268/mo
LifeShield National Insurance Company $183/mo $189/mo $227/mo $269/mo
Insurance Company of North America $197/mo $203/mo $241/mo $293/mo
Nassau Life Insurance Company $206/mo $223/mo $268/mo $316/mo
American Benefit Life Insurance Company $210/mo $219/mo $263/mo $317/mo
AFLAC $211/mo $228/mo $273/mo $338/mo
Humana Insurance Company $215/mo $222/mo $262/mo $304/mo
Washington National Insurance Company $230/mo $279/mo $338/mo $403/mo
First Health Life & Health Insurance Company $256/mo $301/mo $345/mo $384/mo
AARP - UnitedHealthcare Insurance Company $258/mo $283/mo $347/mo $411/mo
Philadelphia American Life Insurance Company $258/mo $271/mo $341/mo $371/mo
State Farm Mutual Automobile Insurance Company $260/mo $328/mo $379/mo $426/mo
USAA Life Insurance Company $275/mo $304/mo $331/mo $353/mo
Physicians Mutual Insurance Company, Inc. $282/mo $324/mo $372/mo $427/mo
Bankers Fidelity Life Insurance Company $298/mo $333/mo $389/mo $447/mo
Medica Insurance Company $301/mo $317/mo $376/mo $448/mo
Everence Association Inc. $307/mo $333/mo $353/mo $382/mo
American Continental Insurance Company $363/mo $408/mo $469/mo $507/mo
Avera Health Plans, Inc. $426/mo $491/mo $597/mo $705/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Lowest High-Deductible Plan F Rates by Carrier in South Dakota

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Philadelphia American Life Insurance Company Lowest $39/mo $43/mo $52/mo $59/mo
Bankers Fidelity Life Insurance Company $48/mo $56/mo $67/mo $78/mo
Humana Insurance Company $48/mo $57/mo $66/mo $76/mo
American Continental Insurance Company $57/mo $64/mo $74/mo $80/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Lowest Plan G Rates by Carrier in South Dakota

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
LifeShield National Insurance Company Lowest $151/mo $156/mo $192/mo $229/mo
Insurance Company of North America $156/mo $158/mo $188/mo $228/mo
Avera Health Plans, Inc. $161/mo $192/mo $241/mo $277/mo
Physicians Mutual Insurance Company, Inc. $161/mo $184/mo $212/mo $243/mo
HealthSpring National Health Insurance Company $163/mo $171/mo $203/mo $235/mo
American Benefit Life Insurance Company $169/mo $174/mo $212/mo $258/mo
Nassau Life Insurance Company $170/mo $182/mo $222/mo $263/mo
South Dakota Farm Bureau Health Plans $173/mo $190/mo $239/mo $301/mo
Humana Insurance Company $175/mo $197/mo $233/mo $270/mo
AFLAC $178/mo $187/mo $230/mo $287/mo
USAA Life Insurance Company $182/mo $197/mo $237/mo $295/mo
Washington National Insurance Company $186/mo $241/mo $308/mo $386/mo
State Farm Mutual Automobile Insurance Company $189/mo $232/mo $274/mo $311/mo
Everence Association Inc. $209/mo $226/mo $241/mo $257/mo
American Continental Insurance Company $210/mo $237/mo $277/mo $305/mo
AARP - UnitedHealthcare Insurance Company $216/mo $237/mo $291/mo $345/mo
First Health Life & Health Insurance Company $216/mo $255/mo $293/mo $328/mo
Bankers Fidelity Life Insurance Company $228/mo $258/mo $305/mo $354/mo
Medica Insurance Company $239/mo $254/mo $306/mo $364/mo
Heartland National Life Insurance Company $294/mo $294/mo $350/mo $427/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Lowest High-Deductible Plan G Rates by Carrier in South Dakota

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Philadelphia American Life Insurance Company Lowest $28/mo $34/mo $41/mo $47/mo
Washington National Insurance Company $36/mo $44/mo $53/mo $63/mo
Humana Insurance Company $46/mo $54/mo $63/mo $71/mo
Insurance Company of North America $52/mo $53/mo $63/mo $76/mo
Physicians Mutual Insurance Company, Inc. $68/mo $82/mo $98/mo $118/mo
Avera Health Plans, Inc. $70/mo $84/mo $105/mo $121/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Lowest Plan K Rates by Carrier in South Dakota

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Humana Insurance Company Lowest $78/mo $92/mo $107/mo $121/mo
AARP - UnitedHealthcare Insurance Company $81/mo $89/mo $109/mo $129/mo
Bankers Fidelity Life Insurance Company $95/mo $113/mo $134/mo $153/mo
Avera Health Plans, Inc. $207/mo $238/mo $290/mo $342/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Lowest Plan L Rates by Carrier in South Dakota

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Everence Association Inc. Lowest $126/mo $138/mo $147/mo $159/mo
AARP - UnitedHealthcare Insurance Company $146/mo $160/mo $197/mo $233/mo
Humana Insurance Company $147/mo $174/mo $202/mo $229/mo
Avera Health Plans, Inc. $308/mo $355/mo $432/mo $510/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Lowest Plan N Rates by Carrier in South Dakota

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
HealthSpring National Health Insurance Company Lowest $105/mo $118/mo $141/mo $163/mo
Insurance Company of North America $109/mo $111/mo $132/mo $161/mo
LifeShield National Insurance Company $118/mo $132/mo $162/mo $192/mo
Bankers Fidelity Life Insurance Company $121/mo $136/mo $161/mo $189/mo
American Benefit Life Insurance Company $123/mo $134/mo $168/mo $210/mo
Washington National Insurance Company $124/mo $160/mo $204/mo $255/mo
AFLAC $125/mo $137/mo $171/mo $217/mo
South Dakota Farm Bureau Health Plans $126/mo $138/mo $175/mo $221/mo
Humana Insurance Company $128/mo $144/mo $170/mo $197/mo
Nassau Life Insurance Company $130/mo $139/mo $170/mo $203/mo
First Health Life & Health Insurance Company $131/mo $155/mo $179/mo $202/mo
Everence Association Inc. $139/mo $167/mo $189/mo $207/mo
Philadelphia American Life Insurance Company $144/mo $159/mo $200/mo $217/mo
State Farm Mutual Automobile Insurance Company $144/mo $176/mo $209/mo $241/mo
Medica Insurance Company $166/mo $174/mo $216/mo $263/mo
USAA Life Insurance Company $180/mo $199/mo $216/mo $231/mo
Heartland National Life Insurance Company $185/mo $193/mo $233/mo $283/mo
AARP - UnitedHealthcare Insurance Company $186/mo $205/mo $251/mo $297/mo
American Continental Insurance Company $190/mo $215/mo $251/mo $277/mo
Physicians Mutual Insurance Company, Inc. $233/mo $268/mo $307/mo $353/mo
Avera Health Plans, Inc. $363/mo $419/mo $509/mo $601/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average Plan A Rates by Carrier in South Dakota

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
South Dakota Farm Bureau Health Plans $98/mo $109/mo $138/mo $174/mo
Philadelphia American Life Insurance Company $136/mo $149/mo $171/mo $183/mo
LifeShield National Insurance Company $151/mo $155/mo $191/mo $228/mo
Insurance Company of North America $154/mo $157/mo $186/mo $226/mo
State Farm Mutual Automobile Insurance Company $154/mo $194/mo $224/mo $252/mo
USAA Life Insurance Company $163/mo $181/mo $197/mo $211/mo
American Benefit Life Insurance Company $168/mo $173/mo $211/mo $257/mo
First Health Life & Health Insurance Company $177/mo $202/mo $225/mo $238/mo
Nassau Life Insurance Company $195/mo $209/mo $254/mo $297/mo
AFLAC $199/mo $218/mo $257/mo $295/mo
Humana Insurance Company $199/mo $230/mo $269/mo $309/mo
Avera Health Plans, Inc. $208/mo $243/mo $300/mo $352/mo
Everence Association Inc. $214/mo $232/mo $243/mo $258/mo
Physicians Mutual Insurance Company, Inc. $220/mo $252/mo $289/mo $332/mo
Washington National Insurance Company $227/mo $293/mo $375/mo $469/mo
American Continental Insurance Company $238/mo $269/mo $315/mo $347/mo
Medica Insurance Company $245/mo $259/mo $305/mo $350/mo
AARP - UnitedHealthcare Insurance Company $264/mo $271/mo $285/mo $298/mo
HealthSpring National Health Insurance Company $276/mo $290/mo $344/mo $399/mo
Heartland National Life Insurance Company $297/mo $297/mo $354/mo $429/mo
Bankers Fidelity Life Insurance Company $373/mo $413/mo $467/mo $505/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average Plan B Rates by Carrier in South Dakota

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Humana Insurance Company $192/mo $227/mo $263/mo $299/mo
First Health Life & Health Insurance Company $201/mo $235/mo $267/mo $294/mo
American Continental Insurance Company $281/mo $318/mo $372/mo $409/mo
Avera Health Plans, Inc. $343/mo $396/mo $481/mo $568/mo
AARP - UnitedHealthcare Insurance Company $344/mo $353/mo $371/mo $388/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average Plan C Rates by Carrier in South Dakota

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
State Farm Mutual Automobile Insurance Company $257/mo $324/mo $376/mo $422/mo
Humana Insurance Company $320/mo $378/mo $438/mo $498/mo
Avera Health Plans, Inc. $399/mo $460/mo $560/mo $661/mo
AARP - UnitedHealthcare Insurance Company $444/mo $457/mo $480/mo $501/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average Plan D Rates by Carrier in South Dakota

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Philadelphia American Life Insurance Company $142/mo $157/mo $203/mo $226/mo
South Dakota Farm Bureau Health Plans $176/mo $193/mo $244/mo $306/mo
State Farm Mutual Automobile Insurance Company $189/mo $232/mo $273/mo $311/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average Plan F Rates by Carrier in South Dakota

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
LifeShield National Insurance Company $183/mo $189/mo $227/mo $269/mo
Insurance Company of North America $197/mo $203/mo $241/mo $293/mo
Nassau Life Insurance Company $206/mo $223/mo $268/mo $316/mo
American Benefit Life Insurance Company $210/mo $219/mo $263/mo $317/mo
AFLAC $211/mo $228/mo $273/mo $338/mo
HealthSpring National Health Insurance Company $245/mo $278/mo $330/mo $382/mo
First Health Life & Health Insurance Company $256/mo $301/mo $345/mo $384/mo
Washington National Insurance Company $257/mo $312/mo $378/mo $451/mo
Philadelphia American Life Insurance Company $258/mo $271/mo $341/mo $371/mo
State Farm Mutual Automobile Insurance Company $260/mo $328/mo $379/mo $426/mo
USAA Life Insurance Company $275/mo $304/mo $331/mo $353/mo
Humana Insurance Company $281/mo $315/mo $368/mo $421/mo
Physicians Mutual Insurance Company, Inc. $282/mo $324/mo $372/mo $427/mo
Medica Insurance Company $301/mo $317/mo $376/mo $448/mo
Everence Association Inc. $307/mo $333/mo $353/mo $382/mo
Bankers Fidelity Life Insurance Company $336/mo $375/mo $437/mo $504/mo
American Continental Insurance Company $363/mo $408/mo $469/mo $507/mo
Avera Health Plans, Inc. $426/mo $491/mo $597/mo $705/mo
AARP - UnitedHealthcare Insurance Company $447/mo $460/mo $484/mo $505/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average High-Deductible Plan F Rates by Carrier in South Dakota

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Philadelphia American Life Insurance Company $39/mo $43/mo $52/mo $59/mo
Humana Insurance Company $48/mo $57/mo $66/mo $76/mo
Bankers Fidelity Life Insurance Company $54/mo $63/mo $75/mo $87/mo
American Continental Insurance Company $57/mo $64/mo $74/mo $80/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average Plan G Rates by Carrier in South Dakota

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
LifeShield National Insurance Company $151/mo $156/mo $192/mo $229/mo
Insurance Company of North America $156/mo $158/mo $188/mo $228/mo
American Benefit Life Insurance Company $169/mo $174/mo $212/mo $258/mo
Nassau Life Insurance Company $170/mo $182/mo $222/mo $263/mo
South Dakota Farm Bureau Health Plans $173/mo $190/mo $239/mo $301/mo
AFLAC $178/mo $187/mo $230/mo $287/mo
USAA Life Insurance Company $182/mo $197/mo $237/mo $295/mo
State Farm Mutual Automobile Insurance Company $189/mo $232/mo $274/mo $311/mo
Physicians Mutual Insurance Company, Inc. $206/mo $236/mo $272/mo $312/mo
Washington National Insurance Company $208/mo $269/mo $344/mo $431/mo
Everence Association Inc. $209/mo $226/mo $241/mo $257/mo
American Continental Insurance Company $210/mo $237/mo $277/mo $305/mo
First Health Life & Health Insurance Company $216/mo $255/mo $293/mo $328/mo
HealthSpring National Health Insurance Company $232/mo $244/mo $289/mo $336/mo
Medica Insurance Company $239/mo $254/mo $306/mo $364/mo
Bankers Fidelity Life Insurance Company $257/mo $291/mo $343/mo $398/mo
Avera Health Plans, Inc. $261/mo $304/mo $374/mo $438/mo
Humana Insurance Company $263/mo $305/mo $357/mo $408/mo
Heartland National Life Insurance Company $294/mo $294/mo $350/mo $427/mo
AARP - UnitedHealthcare Insurance Company $441/mo $452/mo $449/mo $467/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average High-Deductible Plan G Rates by Carrier in South Dakota

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Philadelphia American Life Insurance Company $28/mo $34/mo $41/mo $47/mo
Washington National Insurance Company $40/mo $49/mo $59/mo $70/mo
Insurance Company of North America $52/mo $53/mo $63/mo $76/mo
Humana Insurance Company $56/mo $64/mo $75/mo $87/mo
Physicians Mutual Insurance Company, Inc. $68/mo $82/mo $98/mo $118/mo
Avera Health Plans, Inc. $70/mo $84/mo $105/mo $121/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average Plan K Rates by Carrier in South Dakota

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Humana Insurance Company $78/mo $92/mo $107/mo $121/mo
Bankers Fidelity Life Insurance Company $108/mo $127/mo $152/mo $173/mo
AARP - UnitedHealthcare Insurance Company $141/mo $145/mo $152/mo $159/mo
Avera Health Plans, Inc. $207/mo $238/mo $290/mo $342/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average Plan L Rates by Carrier in South Dakota

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Everence Association Inc. $126/mo $138/mo $147/mo $159/mo
Humana Insurance Company $147/mo $174/mo $202/mo $229/mo
AARP - UnitedHealthcare Insurance Company $254/mo $261/mo $274/mo $286/mo
Avera Health Plans, Inc. $308/mo $355/mo $432/mo $510/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average Plan N Rates by Carrier in South Dakota

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Insurance Company of North America $109/mo $111/mo $132/mo $161/mo
LifeShield National Insurance Company $118/mo $132/mo $162/mo $192/mo
American Benefit Life Insurance Company $123/mo $134/mo $168/mo $210/mo
AFLAC $125/mo $137/mo $171/mo $217/mo
South Dakota Farm Bureau Health Plans $126/mo $138/mo $175/mo $221/mo
Nassau Life Insurance Company $130/mo $139/mo $170/mo $203/mo
First Health Life & Health Insurance Company $131/mo $155/mo $179/mo $202/mo
Bankers Fidelity Life Insurance Company $136/mo $153/mo $182/mo $212/mo
Washington National Insurance Company $138/mo $178/mo $228/mo $285/mo
Everence Association Inc. $139/mo $167/mo $189/mo $207/mo
Philadelphia American Life Insurance Company $144/mo $159/mo $200/mo $217/mo
State Farm Mutual Automobile Insurance Company $144/mo $176/mo $209/mo $241/mo
HealthSpring National Health Insurance Company $149/mo $169/mo $201/mo $233/mo
Medica Insurance Company $166/mo $174/mo $216/mo $263/mo
USAA Life Insurance Company $180/mo $199/mo $216/mo $231/mo
Heartland National Life Insurance Company $185/mo $193/mo $233/mo $283/mo
American Continental Insurance Company $190/mo $215/mo $251/mo $277/mo
Physicians Mutual Insurance Company, Inc. $233/mo $268/mo $307/mo $353/mo
Humana Insurance Company $261/mo $205/mo $239/mo $276/mo
AARP - UnitedHealthcare Insurance Company $323/mo $333/mo $350/mo $365/mo
Avera Health Plans, Inc. $363/mo $419/mo $509/mo $601/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Underwriting & Household Discount Pricing — Plan A in South Dakota

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same Plan A differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the South Dakota carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
AARP - UnitedHealthcare Insurance Company Standard $152/mo
Level 2 $376/mo
HealthSpring National Health Insurance Company w / 20% HHD $193/mo
w / 6% HHD $227/mo
Standard II w / 20% HHD $290/mo
Standard II w / 6% HHD $341/mo
Standard II $362/mo
Bankers Fidelity Life Insurance Company Preferred $331/mo
Standard $414/mo

Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.

Underwriting & Household Discount Pricing — Plan B in South Dakota

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same Plan B differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the South Dakota carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
AARP - UnitedHealthcare Insurance Company Standard $198/mo
Level 2 $489/mo

Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.

Underwriting & Household Discount Pricing — Plan C in South Dakota

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same Plan C differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the South Dakota carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
AARP - UnitedHealthcare Insurance Company Standard $256/mo
Level 2 $632/mo

Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.

Underwriting & Household Discount Pricing — Plan F in South Dakota

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same Plan F differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the South Dakota carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
HealthSpring National Health Insurance Company w / 20% HHD $172/mo
w / 6% HHD $202/mo
Standard II w / 20% HHD $258/mo
Standard II w / 6% HHD $303/mo
Standard II $322/mo
AARP - UnitedHealthcare Insurance Company Standard $258/mo
Level 2 $637/mo
Bankers Fidelity Life Insurance Company Preferred $298/mo
Standard $373/mo

Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.

Underwriting & Household Discount Pricing — High-Deductible Plan F in South Dakota

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same High-Deductible Plan F differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the South Dakota carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
Bankers Fidelity Life Insurance Company Preferred $48/mo
Standard $61/mo

Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.

Underwriting & Household Discount Pricing — Plan G in South Dakota

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same Plan G differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the South Dakota carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
HealthSpring National Health Insurance Company w / 20% HHD $163/mo
w / 6% HHD $191/mo
Standard II w / 20% HHD $244/mo
Standard II w / 6% HHD $286/mo
Standard II $305/mo
AARP - UnitedHealthcare Insurance Company Standard $216/mo
Level 2 $666/mo
Bankers Fidelity Life Insurance Company Preferred $228/mo
Standard $285/mo

Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.

Underwriting & Household Discount Pricing — Plan K in South Dakota

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same Plan K differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the South Dakota carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
AARP - UnitedHealthcare Insurance Company Standard $81/mo
Level 2 $201/mo
Bankers Fidelity Life Insurance Company Preferred $95/mo
Standard $121/mo

Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.

Underwriting & Household Discount Pricing — Plan L in South Dakota

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same Plan L differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the South Dakota carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
AARP - UnitedHealthcare Insurance Company Standard $146/mo
Level 2 $361/mo

Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.

Underwriting & Household Discount Pricing — Plan N in South Dakota

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same Plan N differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the South Dakota carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
HealthSpring National Health Insurance Company w / 20% HHD $105/mo
w / 6% HHD $123/mo
Standard II w / 20% HHD $157/mo
Standard II w / 6% HHD $185/mo
Standard II $196/mo
Bankers Fidelity Life Insurance Company Preferred $121/mo
Standard $151/mo
AARP - UnitedHealthcare Insurance Company Standard $186/mo
Level 2 $461/mo

Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.

RESOURCES

More Information on Medicare Supplement in South Dakota

Before You Compare

Is Choosing the Cheapest Plan Right for Me?

The lowest premium isn't always the best value. Medigap plans are standardized — every Plan G covers the same benefits — but carriers differ in ways that affect your long-term costs and experience:

  • Introductory rates can be misleading. Some carriers offer low first-year premiums that increase significantly at renewal. Ask about a carrier's rate increase history before enrolling.
  • Rate stability matters more than starting price. A carrier that raises rates 3% annually will cost less over 10 years than one that starts lower but increases 8–12% per year.
  • Financial strength protects your coverage. AM Best ratings measure a carrier's ability to pay claims. A financially strong carrier is less likely to exit the market or impose steep rate hikes.

Questions to ask your agent:

  • "What's this carrier's rate increase history over the last 5 years?"
  • "How financially stable is this company?"
Talk to a licensed agent →
Ready to find the right Medicare plan?