Health Insurance Marketplace

Since 2013, ICAP Navigators have assisted thousands of people to understand their options in obtaining affordable health insurance plans through the Health Insurance Marketplace. Certified Navigators from ICAP provide free, non-biased enrollment assistance for individuals and families throughout the service area. Many consumers are eligible for financial assistance in the form of tax credit subsidies, resulting in lower monthly premiums and more affordable health insurance coverage. Some people also qualify for lower deductibles and copays based upon household size and income.

In addition to personal enrollment assistance during the Open Enrollment Period, Navigators help consumers to take advantage of Special Enrollment Periods which may be triggered by qualifying life events such as the loss of job-based coverage, release from incarceration, a move to another state or country, marriage, birth or adoption. Certified Marketplace Navigators conduct outreach and education year-round so that South Dakotans have the knowledge to make informed health care choices.

Navigators also provide post-enrollment assistance for consumers who may not completely understand their new health insurance or the protections afforded them through the Affordable Care Act. Ongoing support in health insurance literacy encourages consumers to fully utilize their health insurance benefits. Navigators assist consumers who wish to apply for exemptions from the penalty for non-coverage, or file appeals related to Marketplace decisions.

South Dakota Navigators

Helpful Links


The project described was supported by Funding Opportunity Number CA-NAV-15-001 from the Centers for Medicare & Medicaid Services. The contents provided are solely the responsibility of the authors and do not necessarily represent the official views of HHS or any of its agencies.

News and Events

Thursday, February 8, 2018

ICAP is administering the Volunteer Income Tax Assistance (VITA) program which offers free tax help to participants whose household makes $54,000 or less, persons with disabilities and limited English speaking taxpayers who need assistance in preparing their own tax returns. IRS-certified volunteers provide free basic income tax return preparation with electronic filing to qualified individuals. Please contact your local ICAP office or dial 1-855-371-4985 for more information!

Give From The Heart Gala!
Wednesday, January 31, 2018

Give From The Heart To Heartland Gala. Thursday, April 5, 2018 at the Hilton Garden Inn South located at 5300 S Grand Circle in Sioux Falls, SD. 5:30 - Social and Dessert Silent Auction with Dinner and a Program to follow at 6:30.

Monday, November 13, 2017

NeighborhoodLIFT is coming to South Dakota! ICAP is proud to be part of the NeighborhoodLIFT program. NeighborhoodLIFT is a national program from Wells Fargo and NeighborWorks® America. It provides eligible homebuyers with $7,500 to use toward down payment and closing costs on qualified homes throughout the state. Interested? Visit our partner, GROW South Dakota, to learn more. GROW South Dakota