ACA Health Insurance > Break Down > Health Insurance in South Carolina
Health Insurance South Carolina: Your Roadmap to Affordable Coverage
From Charleston to Greenville—We’ve Got South Carolina Covered.
Hey there, South Carolina neighbor! Looking for health insurance in South Carolina? Whether you’re buying coverage for the first time or trying to save more this year, we’re here to help you understand your options and enroll with ease.
Why Should You Buy Health Insurance in South Carolina?
A single medical bill can cost more than a year’s worth of insurance. With a plan, you’re protected—physically and financially.
Here’s why health coverage matters in SC:
Over 11% of South Carolinians under 65 are uninsured.
Conditions like diabetes and high blood pressure are widespread.
ACA plans include free preventive care such as checkups, screenings, and vaccines.
Whether you’re young or managing a condition, health insurance gives you security, access, and options.
Types of Health Insurance Available in South Carolina
Marketplace Plans (ACA via HealthCare.gov)
South Carolina uses the federal marketplace at HealthCare.gov. You can shop ACA plans and see if you qualify for subsidies that reduce your monthly cost.
Short-Term Insurance
Short-term plans can bridge gaps in coverage but don’t offer the full benefits of ACA plans. These are best for healthy individuals in temporary situations.
Medicare
South Carolinians 65+ (or those with qualifying disabilities) can enroll in Medicare. Options include Original Medicare, Advantage plans, and prescription drug coverage.
Medicaid (Healthy Connections)
South Carolina’s Medicaid program, Healthy Connections, offers free or low-cost coverage to low-income families, children, and disabled adults. SC has not expanded Medicaid under the ACA, so eligibility is stricter.
Private Insurance
Some get coverage through employers or purchase plans directly from insurers. We can help you compare all options to find the one that fits your life.
Call to Action Form: Compare plans based on price and benefits with us.
Is Health Insurance Required in South Carolina?
No—South Carolina does not have a state mandate requiring residents to have health insurance. But skipping coverage still carries risks.
Without a plan, even a minor injury or illness can result in a major bill. Plus, you miss out on preventive care and prescription discounts.
While it’s not legally required, health insurance is still one of the smartest investments you can make in your well-being.
How Much Does Health Insurance Cost in South Carolina?
Your premium depends on factors like age, income, location, and family size. The good news? Many South Carolinians qualify for premium tax credits through HealthCare.gov.
Some pay $0/month after subsidies, while others get solid plans for under $75/month. It’s worth checking even if you think you won’t qualify.
Medicare costs vary based on plan selection and optional add-ons like dental and vision.
💡 Consider adding a local cost estimator tool to help users see their savings instantly.
H2: How to Pick the Right Health Plan for You
To find your best fit, ask:
What doctors or hospitals do I prefer?
Do I need ongoing prescriptions?
What’s my budget for monthly premiums and yearly expenses?
Am I planning any major care this year?
Your answers shape which plan works best. And we’re here to walk you through every option.
Our Health Insurance Services in South Carolina
We make it easy—from comparing plans to answering your questions every step of the way.
Who We Help
We assist:
Gig workers, delivery drivers, and freelancers
Parents choosing family plans
Seniors navigating Medicare
Residents with no insurance or job-based coverage
What We Offer
We help with:
HealthCare.gov enrollment
Healthy Connections (Medicaid) guidance
Medicare plans and reviews
Private plan comparisons
Vision, dental, and pharmacy savings
And yes—we offer bilingual support in Spanish.
How to Get Started
Compare your plan options.
Speak with a licensed SC agent (optional).
Enroll online or by phone—it’s fast and easy.
You’ll be on your way to better coverage in no time.
Most Affordable Health Insurance in South Carolina
Several carriers offer budget-friendly, ACA-compliant plans across SC:
BlueCross BlueShield of South Carolina – Trusted, statewide provider with wide networks.
Ambetter from Absolute Total Care – Known for low premiums and virtual care options.
Molina Healthcare – Offers solid plans and good value for those eligible for subsidies.
We’ll help you compare each based on your needs.
Top 3 Most Uninsured Cities in South Carolina
Certain areas face higher uninsured rates due to cost and limited access:
Florence, SC – Rising healthcare costs leave many without coverage.
Sumter, SC – Awareness of subsidy eligibility remains low.
Spartanburg, SC – Rural access and job-based insurance gaps persist.
Wherever you live, we’re here to help you get the coverage you deserve.
Final Tip from Your Friendly Guide
Health insurance in South Carolina isn’t just about rules and regulations—it’s about real-life protection for your health and your finances.
No matter your situation, we’re here to make it simple, supportive, and stress-free. Let’s get you covered.
Just a heads-up! We looked at our own data to figure out the average health insurance prices as of January 2025. These numbers are just meant to give you an idea—your actual quote might be different depending on your personal situation.
Also, our lawyers want us to remind you: this info is general and doesn’t change what’s actually written in your real insurance policy, which can be different depending on where you live. It’s always a good idea to chat with your own trusted advisor if you have specific questions.
This post is just here to help you get helpful info and tips—not to replace real advice. Plus, if we mention anything from other people or companies, just know that’s their opinion, not ours. And remember, not all plans or discounts are available everywhere!