Spearfish, South Dakota: health insurance
Spearfish is in Lawrence County. Here is what Spearfish residents should know about coverage.
Coverage in Spearfish
Spearfish has about 13,282 residents (U.S. Census Bureau 2023 estimate).
Plans for Spearfish residents are determined by Lawrence County, home to about 28,053 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers Lawrence County before you choose it.
- Turning 65 in Spearfish? Your Initial Enrollment Period runs seven months around your birthday. South Dakota SHIINE (Senior Health Information and Insurance Education) offers free counseling at (800) 536-8197.
- Buying your own plan? Shop through HealthCare.gov (federal Marketplace).
- Medicaid questions? South Dakota Department of Social Services (DSS) handles applications.
South Dakota note: SHIINE organizes its volunteer counselors by region (western, southeastern, northeastern South Dakota), so a caller can be routed toward someone familiar with local providers and Medicare Advantage networks in their specific part of the state.
Medicare plans leaving Lawrence County for 2027
Medicare plans are set by county, so this applies to residents of this city. 9 plans are listed in Lawrence County for 2026 but not for 2027, covering at least 2,278 people.
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| Medica Advantage Select (PPO) H8889-018 | Medica Holding Company | 903 |
| Blue Medicare Advantage Enhanced PPO (PPO) H5900-004 | Blue Cross Blue Shield of Michigan Mutual Ins. | 681 |
| Medica Advantage Value (PPO) H8889-017 | Medica Holding Company | 415 |
| Medica Advantage Preferred (PPO) H8889-013 | Medica Holding Company | 216 |
| Blue Medicare Advantage Classic PPO (PPO) H5900-008 | Blue Cross Blue Shield of Michigan Mutual Ins. | 50 |
| Blue Medicare Advantage Valor PPO (PPO) H5900-007 | Blue Cross Blue Shield of Michigan Mutual Ins. | 13 |
See all 9 plans leaving Lawrence County →
A plan can be listed because it was renumbered or replaced, not only because a company is leaving the county. When the same company keeps other plans there, members are usually moved to a replacement plan. Your plan should send you a notice, and Medicare’s Annual Enrollment Period (October 15 to December 7) is when you can compare and switch. “People enrolled” is the number enrolled in that plan today (CMS hides counts of 10 or fewer). Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Colleges and universities near Spearfish
South Dakota public institutions include University of South Dakota, South Dakota State University, South Dakota School of Mines and Technology. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about South Dakota colleges.
Do Spearfish and Lawrence County have the same plans?
Plans are offered by service area, and Spearfish falls under Lawrence County. A plan that serves Lawrence County is generally the one that applies to you.
Do I have to enroll if I call?
No. A call is a conversation about your options.
Spearfish residents: call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Other major South Dakota cities
Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.