Health insurance for South Carolinians who buy their own.
We help South Carolinians who buy their own health coverage, including people leaving a job, self-employed workers and early retirees waiting for Medicare, compare Marketplace plans and other options.
South Carolina plans we compare
What’s different about health insurance in South Carolina.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the South Carolina FAQ- South Carolina uses the federal Marketplace. Open enrollment for 2027 runs November 1, 2026 to January 15, 2027, and you must enroll by December 15 for a January 1 start.
- Six insurers sell Marketplace plans for 2026: BlueCross BlueShield of SC (BlueChoice), Ambetter from Absolute Total Care, Molina, Select Health, UnitedHealthcare and InStil Health.
- The enhanced federal tax credits ended after 2025, so income above 400% of the poverty level no longer qualifies for help.
- South Carolina has not expanded Medicaid. About 63,000 adults earn too little for tax credits but do not qualify for Medicaid.
- State continuation lets you keep small-employer group coverage for about six months after you leave, at full cost.
- Short-term plans can last up to 11 months at first and 33 months in total here, but they are not ACA-compliant.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and South Carolina's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in South Carolina, and what to use instead.
Learn moreWho sells plans in South Carolina
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our South Carolina FAQ, or ask an agent at (888) 214-4898.
Open enrollment for 2027 runs from November 1, 2026 to January 15, 2027. To have coverage start January 1, pick a plan by December 15. Outside that window, you need a qualifying life event such as losing other coverage.
No. South Carolina has not adopted the ACA Medicaid expansion. Most working-age adults without children do not qualify for Medicaid unless they are disabled, pregnant or fit another specific group, and parents qualify only with income at or below 62% of the poverty level.
Yes, if your household income is between 100% and 400% of the poverty level. The enhanced credits that removed the 400% limit ended after 2025. In 2026, more than 89% of South Carolina enrollees still got help, averaging $579 a month in savings.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your South Carolina county, check your subsidy, and walk you through the options. No cost, no obligation.