Expect to see marketplace premiums around $774 a month for a 40-year-old's benchmark silver plan in Lawrence County (2026 figure), and $704 as the 2027 South Dakota average, before subsidies. An agent can price plans after any tax credit you qualify for.
These are physical health insurance agency offices near Spearfish, not call centers. Each one lists a storefront address and office hours. The most-reviewed offices are at the top.
Health Insurance Agencies & Offices near Spearfish
Licensed agents can compare plans available in Lawrence County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Call ahead
Office hours change around open enrollment, and many agencies book appointments during the busiest weeks. Calling ahead saves a wasted trip.
Why a walk-in office
An in-person meeting helps when your situation has moving parts: a household with mixed coverage, self-employment income that changes, or a doctor you need to keep.
What to bring
Photo ID, Social Security numbers for everyone applying, a recent pay stub or income estimate, and a list of your doctors and prescriptions.
How to get ready
- Ask each agent which carriers they can quote in your county.
- Write down the enrollment deadline and confirm your first premium payment.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
Checking an agent's license in South Dakota
- The South Dakota Division of Insurance offers a License Look Up/Verification Service through the NAIC's State Based Systems for checking a producer's license. Source
Frequently asked questions
Can I do everything by phone instead?
Yes. Licensed agents can quote, enroll and send documents electronically, which is how most people enroll today.
What if an office I visited won't renew my plan?
Any licensed agent certified with the marketplace can help you switch plans or renew at open enrollment.
Do I need an appointment?
Not always, but many offices near Spearfish book appointments during open enrollment (Nov 1 to January 15 on the HealthCare.gov). Calling first is the safest bet.
Agencies & offices in nearby cities
- Sheridan, WY 156 miles
- Miles City, MT 165 miles
- Torrington, WY 168 miles
- Casper, WY 169 miles
- Alliance, NE 172 miles
- Pierre, SD 173 miles
- Dickinson, ND 173 miles
- Scottsbluff, NE 181 miles
- Gering, NE 184 miles
- Glendive, MT 186 miles