Medicare Advantage
Sioux Falls Medicare: 22 Advantage Plans on Tap for 2026
Minnehaha County has 16 Medicare Advantage plans for 2027. Compared with 2026, 6 plans are not coming back, 5 are new, and 10 continuing plans changed in some way you should check before December 7, 5 of them under a new name. This guide covers what those numbers mean for Sioux Falls, not which plan to pick.
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SIOUX FALLS, S.D. — If you're turning 65 in Sioux Falls, or you're already on Medicare and thinking about your 2027 coverage, here's the lay of the land: you have plenty of choices to consider.
Key takeaways
- Minnehaha County residents have 16 Medicare Advantage plans to choose from for 2027, offered by 5 different carriers.
- Plan choices are based on your county, so most Sioux Falls ZIP codes see the same list of options.
- You can only be enrolled in one main path at a time, either Original Medicare or Medicare Advantage.
- Free help comparing plans is available through South Dakota's SHIINE program or at medicare.gov/plan-compare.
Sioux Falls Has 16 Medicare Advantage Plans to Sort Through in 2027
Sioux Falls is in Minnehaha County, where 16 Medicare Advantage plans are available for the 2027 plan year, according to the Centers for Medicare & Medicaid Services (CMS) Medicare Plan Finder. Those plans come from 5 different carriers offering Medicare Advantage with prescription drug coverage (MA-PD).
With more than 28,000 residents age 65 and older in the county, that's a lot of neighbors making the same kinds of decisions you are.
What the Numbers Mean (and What They Don't)
Plan availability is set at the county level — not the city level — so any Sioux Falls resident with a Minnehaha County ZIP code generally sees the same menu of options. Here's the 2027 area snapshot:
- 16 Medicare Advantage plans available in Minnehaha County
- 5 carriers offering MA-PD coverage
- 11 stand-alone Part D drug plans offered statewide in South Dakota for 2026, sold statewide
- 3 contracts rated 4 stars or higher under CMS's 2026 Star Ratings
That last number can feel jarring, but it's a data point, not a verdict. Star Ratings are one measurement CMS uses to score plan performance — things like customer service, member complaints, and how well plans manage chronic conditions. They're worth understanding, but they aren't the only factor that matters when you're picking coverage.
If you want to compare individual plans side by side — premiums, drug lists, provider networks — the official tool is at medicare.gov/plan-compare.
A Quick Refresher on Your Medicare Choices
Medicare has a few moving parts, and it helps to keep them straight:
- Original Medicare (Parts A and B) is the federal program that covers hospital and medical services.
- Medicare Advantage (Part C) is private coverage that bundles Parts A and B, usually with drug coverage and sometimes extras.
- Part D is prescription drug coverage, offered either through a Medicare Advantage plan or a stand-alone plan.
- Medigap (Medicare Supplement) works alongside Original Medicare to help with out-of-pocket costs.
You can only be enrolled in one of the two main paths at a time — Original Medicare (often paired with Medigap and a Part D plan) or Medicare Advantage.
What's New for 2027
Several program-wide changes affect anyone with Part D drug coverage, whether it's stand-alone or built into a Medicare Advantage plan:
- Out-of-pocket drug cap: The Part D cap is $2,100 in 2026 and $2,400 in 2027. Once you hit it, you pay nothing more for covered prescriptions the rest of the year.
- Part D deductible: The maximum allowed is $700 in 2027, though plans can set it lower.
- No more donut hole: The coverage gap was eliminated in 2025. Part D now has three phases: deductible, initial coverage, and catastrophic.
- Medicare Prescription Payment Plan: An optional program that lets you spread your drug costs into monthly payments instead of paying all at once at the pharmacy.
- IRMAA: Higher-income enrollees pay extra for Parts B and D. For single filers, the surcharge kicks in above $109,000 in income (based on your 2024 tax return for 2026 premiums).
Mark These Dates
Two enrollment windows matter most:
- Annual Enrollment Period: Oct. 15 – Dec. 7. This is when anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan for the next year.
- Medicare Advantage Open Enrollment: Jan. 1 – March 31. If you're already in a Medicare Advantage plan, you get one chance to switch to another MA plan or drop back to Original Medicare.
Missing these windows usually means waiting until the next one, unless you qualify for a Special Enrollment Period.
How to Compare Without Getting Overwhelmed
Sixteen plans is a lot to read through. A few tips that help:
1. Start with your drugs. Enter your prescriptions into Plan Finder — drug costs vary more than almost anything else. 2. Check your doctors and hospitals. Confirm they're in-network for any Medicare Advantage plan you're considering. 3. Look at total cost, not just premium. A low monthly premium can come with higher out-of-pocket costs elsewhere. 4. Get free, unbiased help. South Dakota's SHIINE program (the state's SHIP) offers free one-on-one counseling — no sales pitch.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
By the numbers
How people get Medicare in Minnehaha County
(MA penetration in Minnehaha County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
Good to know
Frequently asked questions
Q: How do stand-alone Part D plans work for Minnehaha County residents?
Q: What do the Star Ratings tell you about Medicare Advantage plans here?
Q: I'm turning 65 next spring. Do I have to wait until October to sign up?
- CMS — MA/Part D Landscape & Plan Finder data
For personalized answers, contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.