How Much Does Health Insurance Cost in Rapid City, SD?
Rapid City pricing is 15% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Rapid City's diversified economy.See our methodology
Health Insurance Pricing in Rapid City, SD
Rapid City is one of the more affordable markets for health insurance, with costs running about 15% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 75K-population metro area is straightforward.
Local climate plays a direct role in health insurance costs here. Harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations.
Market-specific factors matter in Rapid City: moderate cost of living keeps contractor rates affordable.
Rapid City has moderate permitting requirements. Depending on the scope of your health insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Rapid City vs National Average
What Affects Health Insurance Cost in Rapid City?
Plan Tier
Bronze: $250-$400/mo. Silver: $350-$550/mo. Gold: $450-$700/mo. Platinum: $550-$800/mo
Age
26-year-old: $250-$400. 40-year-old: $350-$550. 60-year-old: $600-$1,000
Rapid City Market Conditions
moderate cost of living keeps contractor rates affordable
Local Climate Impact
harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations
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Top-Rated Health Insurance Pros in Rapid City, SD
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Tips to Save on Health Insurance in Rapid City
- 1.Check ACA marketplace for subsidies — most people qualify
- 2.Higher deductible plans have lower premiums if you're healthy
- 3.Compare plans during open enrollment
- 4.Use HSA-eligible plans to save pre-tax dollars
📈 Health Insurance in Rapid City Cost Trends (2020–2024)
Prices have increased +17.8% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $325 | — |
| 2021 | $339 | +4.3% |
| 2022 | $361 | +6.5% |
| 2023 | $371 | +2.8% |
| 2024 | $383 | +3.2% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Health Insurance in Rapid City
Recent Reports
Frequently Asked Questions
What's the cheapest health insurance?
Catastrophic plans are cheapest ($150-$250/mo) but only available to those under 30. Otherwise, Bronze plans are the most affordable.
Why does health insurance cost different in Rapid City than other cities?
Rapid City's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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