Health Insurance in South Carolina

Find plans and read details on medical providers in South Carolina.

FIND PLANS NOW

NEW Health-Based Plans Available

See If You Qualify

Transforming South Carolina's Healthcare

Recent years have witnessed significant attention on South Carolina's healthcare landscape. The Affordable Care Act expanded the horizons of affordable coverage options nationally, impacting access for many South Carolinians. While South Carolina has not expanded Medicaid eligibility under the ACA, state-specific initiatives and the availability of various plans continue to shape the healthcare choices for residents.

These shifts aim to render healthcare more accessible and improve overall health outcomes across the state. In South Carolina, understanding health insurance isn't just a choice; it's a crucial decision with profound implications for one's health and well-being. Access to quality healthcare plays a pivotal role for individuals and families striving to maintain their well-being or provide care for loved ones. Equipping oneself with knowledge about available options and the intricacies of each plan empowers South Carolinians to make well-informed decisions regarding their optimal coverage.

Moreover, staying informed about shifts in the healthcare system and understanding the potential impact of rising costs on coverage and premiums is vital for every South Carolinian. Use our free tools to get an instant quote or evaluate local market rates. Your healthcare journey is more than a path; it's a roadmap to a healthier, more secure future.

Map of South Carolina highlighting healthcare

South Carolina Health Insurance Coverage ()

Employer

46.8%

Non-Group

10.4%

Medicaid

18.9%

Medicare

19.3%

Military

4.7%

Uninsured

9.4%

Source: KFF analysis of 2022 American Community Survey (ACS) data. Note: Categories may overlap (e.g., dual eligibles); percentages may not sum to exactly 100%.

South Carolina Health Facts at a Glance

Overall Health Ranking

#38

Est. Population (2024)

~5.48 M

Avg. Lifespan

~74.8 yrs

Avg. Hospital Stay / Day

~$2,390

Avg. Health Expenditure / Person

$8,766*

Number of Hospitals

~109

*Avg. Health Expenditure per capita (KFF, 2020 data). Other stats based on most recent available data (2021-2024).
Find South Carolina Healthcare Quotes

Health Insurance Programs for South Carolina Residents

In South Carolina, residents may have access to several health insurance programs tailored to diverse needs. These initiatives can include:

  • Healthy Connections Medicaid (South Carolina DHHS): The state's Medicaid program providing health coverage for eligible low-income children, pregnant women, seniors, individuals with disabilities, and certain parents.
  • Healthy Connections Checkup (CHIP): South Carolina's Children's Health Insurance Program, providing low-cost health coverage for eligible children up to age 19 whose family income is too high for Medicaid.
  • Patient Assistance Programs: Various programs often exist to assist individuals who face challenges affording their medications.

These diverse options collectively serve as a pivotal lifeline for numerous South Carolinians, fostering a pathway to high-quality healthcare.

South Carolina healthcare related image 1

VIEW PLANS

South Carolina Short-Term Health Insurance

Short-term health insurance in South Carolina offers a flexible, temporary coverage solution designed to assist individuals and families in managing unforeseen medical expenses. State regulations determine the maximum duration and renewal options for these plans.

While short-term health insurance typically comes at a lower cost compared to comprehensive long-term plans, it's essential to acknowledge that it usually doesn't provide the same level of coverage (e.g., may exclude pre-existing conditions, preventative care). Additionally, it doesn't meet the requirements of the Affordable Care Act (ACA) for minimum essential coverage.

The decision to opt for a short-term plan in South Carolina hinges on individual needs, budget considerations, and understanding the coverage limitations.

Finding Health Coverage In South Carolina

Health insurance in South Carolina extends far beyond safeguarding you against the burden of unforeseen medical expenses during emergencies. It provides a gateway to numerous benefits, including preventive care and access to primary care physicians. If you're seeking health insurance in South Carolina, here's your guide to getting started.

South Carolina Open Enrollment

Open Enrollment for health coverage through the Health Insurance Marketplace (HealthCare.gov) typically runs from November 1st to January 15th each year for coverage starting the following year. This period allows individuals and families to enroll in or change plans. It's crucial to check HealthCare.gov for the specific dates and deadlines applicable to South Carolina residents.

South Carolina Health Insurance Quotes

The Affordable Care Act provides options, including subsidies for eligible individuals, through HealthCare.gov. Finding affordable health insurance solutions in South Carolina's private sector is also possible. Comparing plans based on coverage details (networks, deductibles, out-of-pocket maximums) and costs is essential. Our free quoting service simplifies the process, allowing you to compare health insurance quotes from across the state swiftly. It takes just minutes to explore your options—all you need is your zip code. You can even connect with experienced agents who can provide guidance every step of the way.

BlueCross BlueShield of South Carolina

BlueCross BlueShield of South Carolina is a prominent health insurance provider in the state, offering a comprehensive array of plans designed for individuals and families through the Marketplace. Their plans span various levels of coverage and cost-sharing options. Exploring their offerings alongside other insurers helps ensure you find a plan that fits your needs and budget.

Discovering Premier Health Insurance in South Carolina

When it comes to securing the best health insurance in South Carolina, you have a variety of avenues to explore. In the expansive landscape of South Carolina, you'll find several reputable health insurance providers. Some well-known national and regional carriers operate in the state's Marketplace (HealthCare.gov).

  • Ambetter from Absolute Total Care
  • BlueCross BlueShield of South Carolina
  • InStil Health
  • Molina Healthcare
  • Select Health of South Carolina
  • UnitedHealthcare

It's essential to bear in mind that simply recognizing a brand name isn't synonymous with obtaining the best-suited coverage. Healthcare requirements vary significantly from person to person. Plan availability can also vary by county.

Prior to enrolling, invest time in research. Compare plan details (networks, benefits, costs) carefully. Reading reviews or seeking guidance from licensed professionals can offer valuable insights, allowing you to make an informed decision about this pivotal investment in your well-being.

South Carolina healthcare related image 2

FIND PLANS

Frequently Asked Questions About Health Insurance South Carolina

Is Health Insurance Mandatory in South Carolina?

In South Carolina, there's no state legal requirement for individuals to maintain health insurance. The federal individual mandate penalty under the ACA was reduced to $0 in 2019, so there's currently no federal tax penalty for lacking coverage. However, having health insurance is strongly recommended to protect against high medical costs.

What's the Cost of Health Insurance in South Carolina?

The cost of health insurance in South Carolina varies significantly based on factors like the chosen plan (metal level), age, location within the state, tobacco use, and family size. Average unsubsidized premiums can differ widely. Resources like subsidies (premium tax credits and cost-sharing reductions) are available through the Health Insurance Marketplace (HealthCare.gov) for eligible individuals, which can significantly lower costs. Comparing plans from different insurers is key to finding affordable options. Use our free estimate tool to evaluate market rates.

How to Secure Health Insurance in South Carolina?

Obtaining health insurance in South Carolina can be achieved through multiple avenues:

  • Employer-Sponsored Plans: Check if coverage is available through your or a family member's job.
  • Health Insurance Marketplace (HealthCare.gov): Purchase individual or family plans during Open Enrollment or a Special Enrollment Period. Access potential subsidies here.
  • Directly from Insurers: Buy plans outside the Marketplace (subsidies not available).
  • Healthy Connections Medicaid / Healthy Connections Checkup (CHIP): For eligible low-income individuals, children, pregnant women, and people with disabilities. Check eligibility with the South Carolina Department of Health and Human Services (SCDHHS).
  • Medicare: For individuals aged 65+ or those with certain disabilities.
  • Short-Term Plans: Temporary, less comprehensive coverage purchased directly from insurers.
  • Health Sharing Ministries: Non-insurance options with specific rules and limitations.
Working with a licensed insurance agent or broker can help navigate these options.

The Impact of Obamacare on South Carolina Insurance Rates

Obamacare (the Affordable Care Act - ACA) significantly impacted South Carolina's insurance landscape. Key changes included protections for people with pre-existing conditions, mandated essential health benefits in compliant plans, and the creation of the Health Insurance Marketplace (HealthCare.gov) where individuals could compare plans and access subsidies. South Carolina has not expanded Medicaid eligibility under the ACA, leaving a coverage gap for many low-income adults who earn too much for traditional Medicaid but too little to qualify for Marketplace subsidies. However, the ACA has still broadened coverage options and introduced significant consumer protections for many South Carolinians purchasing individual market plans.

Bottom Line

Navigating the health insurance options in South Carolina requires careful consideration of your needs and budget. Comparing plans available through HealthCare.gov, directly from insurers, or exploring options like short-term plans or Healthy Connections Medicaid/Checkup if eligible, is crucial. Utilize available resources, compare plan details thoroughly, and consider seeking guidance from licensed professionals to find coverage that provides the right balance of benefits and affordability for you and your family. With a few simple clicks via our quote tool or estimate tool, you can efficiently juxtapose plans and evaluate costs, making it a breeze to discover the ideal coverage for your unique needs.

GET YOUR FREE QUOTE NOW