Black Hills Knowledge Netowork

Child getting a flu shot.
Child getting a flu shot.
SD Dept of Health

Affordable Care Act

On March 23, 2010 the Patient Protection and Affordable Care Act, commonly known as the Affordable Care Act or Obama Care, was signed into law. The Affordable Care Act was created to reform the American healthcare system and insurance industry.   Significant changes include persons with preexisting conditions no longer being denied coverage.  Access has also been expanded to certain types of preventative screenings, such as cancer, diabetes and blood pressure screenings.  

Where can you find the Affordable Care Act?

The US Department of Health and Human Services website includes section by section breakdowns of the Affordable Care Act, as well as a PDF of the official Act that can be downloaded.  


What is the Health Insurance Marketplace?

The Health Insurance marketplace is a way to find health coverage options in your area with one application.  The marketplace will allow opportunities to compare options side by side and see low cost options, if applicable. 


Where can I receive help?'s local help search identifies the organizations that will be offering assistance with the application process.

Dakota Plains Legal Service- 528 Kansas St., Suite 1  Rapid City SD 57709  Phone: 605-342-7171 

Great Plains Tribal Chairmen's Health Board -  1770 Rand Road    Rapid City, SD 57702  Phone: 605-721-1922 x104

Western SD Community Action, Inc. - 1844 Lombardy Dr.  Rapid City, SD 57703  Phone: 605-348-1460

 Department of Social Services(Rapid City, Sturgis, Deadwood)

Additionally, offers answers for common questions, as well as assistance over the phone at 1-800-318-2596.


What will I need when applying?

The pieces of information needed for applying are:

·         Social Security number or document number for immigrants.

·         Employer and information for all who will need coverage (W-2, Pay Stub, tax return, etc.).


What if I don’t have insurance?

Adults who don’t have insurance incurred a fee of $95 or 1% of their income, whichever is highest in 2014. The fee for a child is half that of the adult.  This fee was paid on their 2014 tax returns.  Each year the fee will increase with 2015 having an adult fee of $325 and  $162.50 for children or 2% of household income.  The year 2016  will have a fee of 2.5% or $695. More information can be found at under the topic "What happens if someone doesn't have coverage?"


Video resources

There are a number of videos available to guide the process of  applying for the Health Care Marketplace, choosing and enrolling in a plan, Kaiser Family Foundation offers this short and simple video to give an overview of the Affordable Care Act.


Additional resources offers multiple videos that guide users through the different steps of enrolling

Health Reform in Action- The official guide to health care reform from the White House. Health reform in action offers infographics, facts, a timeline and current news on reform.

AARP Affordable Care Resources-  offers numerous factsheets highlighting the basics of the law and what the  ACA means for different segments of the American public.

Kaiser Family Foundation- Health Reform. – resources for consumers to understand the health reform and options that are available. The Kaiser Family Foundation makes use of videos, flow charts, infographics, and an FAQ section to assist users.

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