Credit Repair Specialists Health Insurance in South Dakota (2026)

Wage benchmark and the 2026 subsidy cliff

$49,610median annual wage, Credit Repair Specialists in South Dakota

317%of the federal poverty level

$62,6002026 subsidy cliff, single-person household

Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2026.

This occupation is below the cliff in all 20 states reported.

What this figure is. It is the median annual wage BLS reports for Credit Counselors (SOC 13-2071) in South Dakota. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed credit repair specialist. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.

Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2026 the 400% FPL limit applies again, so household income above $62,600 ends premium tax credit eligibility outright.

Sources

U.S. Bureau of Labor Statistics. Occupational Employment and Wage Statistics, May 2024. State-level annual median wage (A_MEDIAN), detailed occupation. https://www.bls.gov/oes/. Retrieved 2026-08-03. Figures used unmodified; suppressed cells are omitted, not estimated.
U.S. Department of Health and Human Services. Annual Update of the HHS Poverty Guidelines. 90 FR 5917, 17 January 2025. https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Retrieved 2026-08-03. The 2025 guidelines govern premium tax credit eligibility for plan year 2026 coverage. The 2026 guidelines apply to 2027 coverage.
Full dataset for all occupations and states: CSV · JSON (CC BY 4.0).

All 21 states

Benchmark premium and median wage for this occupation, ranked by premium.

#	State	Benchmark @40	Median wage	vs cliff
1	Maryland	$414	$58,300	below
2	Virginia	$455	$51,330	below
3	Indiana	$474	$50,440	below
4	Nevada	$497	$51,960	below
5	Ohio	$513	$52,470	below
6	Michigan	$523	$51,000	below
7	Colorado	$557	$51,670	below
8	South Carolina	$564	$49,420	below
9	Oklahoma	$604	$42,250	below
10	Wisconsin	$611	$51,340	below
11	Georgia	$615	$57,300	below
12	North Carolina	$638	$49,670	below
13	Utah	$640	$49,250	below
14	Alabama	$645	$48,040	below
15	Illinois	$646	$51,160	below
16	South Dakota	$655	$49,610	below
17	Texas	$661	$46,910	below
18	Kansas	$670	—	—
19	Florida	$683	$48,340	below
20	Nebraska	$710	$50,890	below
21	Arkansas	$774	$40,410	below

Questions

Does being a credit repair specialist change what health insurance costs in South Dakota?

No. Under the ACA carriers may not rate, decline, or exclude based on occupation or health history. Premiums vary only by age, ZIP code, tobacco use and household size, so the benchmark of $655 a month applies regardless of trade.

Do credit repair specialists qualify for a subsidy in South Dakota in 2026?

Premium tax credit eligibility depends on household modified adjusted gross income and household size, not occupation. For reference, the BLS median wage for Credit Counselors in South Dakota is $49,610, which is below the 2026 cliff of $62,600 for a single-person household. Your own income and household size decide the answer.

What is the benchmark premium in South Dakota for 2026?

$655 a month for a 40-year-old, ranking 16 of 21 states published here. That is full price before any premium tax credit.

Where do these numbers come from?

Premiums come from the CMS Plan Year 2026 Qualified Health Plan Landscape file and published state rate approvals. Wages come from the U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2024. Both are reproduced unmodified; the full wage dataset is downloadable as CSV or JSON.

Going deeper on South Dakota

This page compares states. For South Dakota specifically — county-by-county carriers, plan data and enrollment help — that is published on Coverage by County. To check whether a plan actually covers your hospital, see Plans By City.

← Credit Repair Specialists in all states · All trades · All occupations

South Dakota Credit Repair Specialists: what 2027 actually changes

The South Dakota market currently runs to 3 carriers over 66 counties. Carriers re-file every year, and for Credit Repair Specialists the question that actually decides your renewal is which of them are still there in November.

Nobody can tell you your 2027 South Dakota premium yet. Filings nationally cluster around a 15% median increase, with the full spread running −1% to 54% — and until this state signs off, a specific local number is invention.

Enrollment opens November 1, 2026. Treat December 15 as the deadline: it guarantees January 1 cover on every marketplace, South Dakota included. Conflicting end dates get quoted because a 2025 rule shortened the window and a court vacated it in June 2026, appeal pending — enrol by the 15th and the argument is irrelevant to you.

In your favour: PPOs are sold in all 66 South Dakota counties. That is the type most likely to pay toward out-of-network care, and worth defending at renewal if your work as a credit repair specialist takes you around.

Get a head start on 2027

Nothing about 2027 is urgent yet, which is exactly why it is worth ten minutes now. Come November you will be choosing between South Dakota’s carriers under a deadline; today you can do it without one.

Give me a ZIP and I will tell you three things:

Whether your current plan and carrier are still writing in your county for 2027
What your income estimate should realistically be — the number your credit is calculated from, and the one credit repair specialists most often get wrong
Whether the doctors you actually use are in the 2027 network, before you are locked in

Map my 2027 options →

Health insurance for Credit Repair Specialists in South Dakota, priced by your county

The sticker price is rarely what Credit Repair Specialists in South Dakota end up paying. Start with a ZIP and I will work out your actual number.

One field. No account, no phone call unless you ask for one.

Credit Repair Specialists Health Insurance in South Dakota