South Dakota Plan G rate history
The most comprehensive plan still open to new enrollees. This page tracks what Plan G carriers have filed with the South Dakota insurance regulator and what those filings show about renewal increases.
What Plan G costs in South Dakota
Plan G premiums in South Dakota run from $151.26 to $666.05 per month across 26 carriers, for the quoted scenario described below. Figures marked unverified have not yet been matched to a filing.
| Carrier | Age | Rating method | Monthly premium |
|---|---|---|---|
| Lifeshield National Insurance Co. | 65 | Attained age | $151.26/mo (unverified) |
| Lifeshield National Insurance Co. | 70 | Attained age | $155.57/mo (unverified) |
| Insurance Company Of North America | 65 | Attained age | $156.00/mo (unverified) |
| Insurance Company Of North America | 70 | Attained age | $158.17/mo (unverified) |
| Physicians Mutual Insurance Company | 65 | Attained age | $160.55/mo (unverified) |
| Avera Health Plans, Inc. | 65 | Attained age | $160.70/mo (unverified) |
| American Benefit Life Insurance Company | 65 | Attained age | $169.29/mo (unverified) |
| Nassau Life Insurance Company | 65 | Attained age | $169.84/mo (unverified) |
| Lumos Insurance Company | 65 | Attained age | $170.92/mo (unverified) |
| Farm Bureau Health Plans Member S Health Insurance Company | 65 | Attained age | $172.66/mo (unverified) |
| American Benefit Life Insurance Company | 70 | Attained age | $174.11/mo (unverified) |
| Humana Achieve (Emphesys Insurance Company) | 65 | Attained age | $175.43/mo (unverified) |
| Lumos Insurance Company | 70 | Attained age | $176.08/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 65 | Attained age | $177.82/mo (unverified) |
| Nassau Life Insurance Company | 70 | Attained age | $181.88/mo (unverified) |
| USAA Life Insurance Company | 65 | Attained age | $181.90/mo (unverified) |
| Wps-A Health Solutions Company | 65 | Attained age | $184.05/mo (unverified) |
| Physicians Mutual Insurance Company | 70 | Attained age | $184.32/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $186.40/mo (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | 70 | Attained age | $186.68/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 65 | Attained age | $189.47/mo (unverified) |
| Farm Bureau Health Plans Member S Health Insurance Company | 70 | Attained age | $189.68/mo (unverified) |
| Avera Health Plans, Inc. | 70 | Attained age | $191.65/mo (unverified) |
| USAA Life Insurance Company | 70 | Attained age | $197.20/mo (unverified) |
| Humana Achieve (Emphesys Insurance Company) | 70 | Attained age | $197.33/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $203.15/mo (unverified) |
| Everence Association Inc | 65 | Issue age | $208.80/mo (unverified) |
| American Continental Insurance Company (Aetna) | 65 | Attained age | $209.50/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $213.44/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $215.92/mo (unverified) |
| Wellmark Of South Dakota, Inc. | 65 | Attained age | $216.40/mo (unverified) |
| Wps-A Health Solutions Company | 70 | Attained age | $219.69/mo (unverified) |
| Everence Association Inc | 70 | Issue age | $225.80/mo (unverified) |
| Mutual Of Omaha Insurance Company | 65 | Attained age | $226.34/mo (unverified) |
| Bankers Fidelity Life Insurance Company | 65 | Attained age | $227.95/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 65 | Attained age | $229.88/mo (unverified) |
| State Farm Mutual Automobile Insurance Company | 70 | Attained age | $232.48/mo (unverified) |
| American Continental Insurance Company (Aetna) | 70 | Attained age | $237.16/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $237.35/mo (unverified) |
| Medica Health Plans | 65 | Attained age | $238.96/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $240.74/mo (unverified) |
| Mutual Of Omaha Insurance Company | 70 | Attained age | $242.64/mo (unverified) |
| Physicians Mutual Insurance Company | 65 | Attained age | $251.44/mo (unverified) |
| Medica Health Plans | 70 | Attained age | $253.79/mo (unverified) |
| United American Insurance Company | 65 | Attained age | $256.00/mo (unverified) |
| Bankers Fidelity Life Insurance Company | 70 | Attained age | $258.07/mo (unverified) |
| Wellmark Of South Dakota, Inc. | 65 | Attained age | $276.50/mo (unverified) |
| Wellmark Of South Dakota, Inc. | 70 | Attained age | $270.00/mo (unverified) |
| Bankers Fidelity Life Insurance Company | 65 | Attained age | $285.44/mo (unverified) |
| Physicians Mutual Insurance Company | 70 | Attained age | $288.67/mo (unverified) |
| Guarantee Trust Life Insurance Company | 65 | Attained age | $292.93/mo (unverified) |
| Heartland National Life Insurance Company | 65 | Attained age | $293.85/mo (unverified) |
| Heartland National Life Insurance Company | 70 | Attained age | $293.85/mo (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | 70 | Attained age | $296.96/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 65 | Attained age | $304.73/mo (unverified) |
| Guarantee Trust Life Insurance Company | 70 | Attained age | $311.42/mo (unverified) |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | 70 | Attained age | $320.15/mo (unverified) |
| Bankers Fidelity Life Insurance Company | 70 | Attained age | $323.15/mo (unverified) |
| United American Insurance Company | 70 | Attained age | $326.00/mo (unverified) |
| Humana Insurance Company | 65 | Attained age | $333.24/mo (unverified) |
| Wellmark Of South Dakota, Inc. | 70 | Attained age | $344.90/mo (unverified) |
| Avera Health Plans, Inc. | 65 | Attained age | $361.45/mo (unverified) |
| Humana Insurance Company | 70 | Attained age | $393.89/mo (unverified) |
| Avera Health Plans, Inc. | 70 | Attained age | $416.68/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 65 | Community rated | $666.05/mo (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | 70 | Community rated | $666.05/mo (unverified) |
Filed rate actions
A rate action is the increase a carrier asked the state to approve on an existing block of Plan G policies. It is separate from the age increase built into an attained-age premium, and it is the number that tells you how a carrier has treated the people already holding the policy.
| Carrier | Effective | Filed change |
|---|---|---|
| Humana Achieve (Emphesys Insurance Company) | September 1, 2026 | +8.0% (unverified) |
| Insurance Company Of North America | August 1, 2026 | +17.0% (unverified) |
| Physicians Mutual Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| Avera Health Plans, Inc. | August 1, 2026 | +14.0% (unverified) |
| American Benefit Life Insurance Company | August 1, 2026 | +15.0% (unverified) |
| Lumos Insurance Company | August 1, 2026 | The filing is on record but this figure is not in it. |
| Healthspring National Health Insurance Company (F/K/A Cnhic) | August 1, 2026 | +25.0% (unverified) |
| Heartland National Life Insurance Company | August 1, 2026 | +35.0% (unverified) |
| Nassau Life Insurance Company | July 1, 2026 | +23.0% (unverified) |
| Bankers Life (Underwritten By Washington National Insurance Company) | July 1, 2026 | +24.9% (unverified) |
| Bankers Fidelity Life Insurance Company | June 13, 2026 | +2.9% (unverified) |
| Lifeshield National Insurance Co. | June 1, 2026 | +20.0% (unverified) |
| Farm Bureau Health Plans Member S Health Insurance Company | June 1, 2026 | +25.0% (unverified) |
| American Continental Insurance Company (Aetna) | June 1, 2026 | +20.0% (unverified) |
| AARP Medicare Supplement Plans, Insured By Unitedhealthcare | June 1, 2026 | +18.0% (unverified) |
| Medica Health Plans | June 1, 2026 | +34.9% (unverified) |
| Humana Insurance Company | June 1, 2026 | +25.0% (unverified) |
| USAA Life Insurance Company | May 1, 2026 | +15.0% (unverified) |
| Aflac, Underwritten By Tier One Insurance Company | April 1, 2026 | +25.0% (unverified) |
| Everence Association Inc | April 1, 2026 | +14.3% (unverified) |
| Avera Health Plans, Inc. | April 1, 2026 | +10.4% (unverified) |
| State Farm Mutual Automobile Insurance Company | February 1, 2026 | +10.7% (unverified) |
| Wps-A Health Solutions Company | January 1, 2026 | +9.0% (unverified) |
| Wellmark Of South Dakota, Inc. | January 1, 2026 | +14.0% (unverified) |
| Mutual Of Omaha Insurance Company | January 1, 2026 | +30.0% (unverified) |
| United American Insurance Company | January 1, 2026 | +15.0% (unverified) |
| Guarantee Trust Life Insurance Company | January 1, 2026 | +7.9% (unverified) |
Rates and approved increases change. Past rate increases do not predict future increases. Verify current pricing with the carrier or the issuing state's insurance department before making a decision.
What Plan G covers
Plan G covers everything Plan F covers except the Part B deductible, which you pay once a year. It is the plan most people compare first, and the one with the deepest, most competitive set of filings in nearly every state — which is what makes its rate history the clearest read on how a carrier behaves over time.
With Plan G, you still pay:
- The Part B annual deductible
Benefits are standardized by federal law, so Plan G from one carrier pays the same claims as Plan G from another. Price, rate-increase history and service are what differ. That is the whole argument for reading filings.
Switching Plan G carriers in South Dakota
We have not identified a state rule here that goes beyond the federal floor. Outside your one-time six-month open enrollment window, and without a federal guaranteed issue right, an insurer may use medical underwriting and may decline you.
South Dakota: federal rules only. State rules change; confirm the current window with the South Dakota insurance department or your SHIP counselor before you apply anywhere.