Compare your South Carolina coverage options with a licensed advisor. Individual, family, self-employed, and small business plans, marketplace subsidies, and enrollment help, explained in plain language.
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South Carolina residents have several coverage paths, from marketplace plans and subsidies to private options and employer coverage. Whether you are self-employed, raising a family, or running a small business, clear guidance on how coverage works in South Carolina is the first step toward a plan that fits.
South Carolina uses the federal Health Insurance Marketplace at HealthCare.gov. Individual and family plans are compared and enrolled through the federal marketplace or directly with private carriers.
South Carolina has not expanded Medicaid, so Medicaid eligibility is more limited here. That makes income-based marketplace subsidies (premium tax credits) especially important for keeping coverage affordable.
Open enrollment for South Carolina plans generally runs November 1 through January 15. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Jordon Murphy Health is a licensed advisory firm serving South Carolina residents. We help you compare options, understand costs, and enroll with confidence, at no cost to you.
South Carolina's individual health insurance market is in the middle of a real, still-unfolding affordability shift. State regulators approved sweeping rate increases for 2026, enrollment data shows a widening gap between people who signed up for coverage and people who kept paying for it, and independent analysts estimate that many remaining enrollees are paying substantially more for thinner coverage. Here is what the underlying data — sourced directly from South Carolina's insurance regulator, KFF, and independent ACA enrollment analysis — actually supports.
South Carolina's Department of Insurance approved 2026 individual-market rate increases averaging about 19.5% statewide (weighted by premium volume). Carrier-level averages ranged from roughly 17% to 25%, and the highest increase approved for any single plan came in just under 30% (29.98%).
South Carolina's 2026 plan selections fell 7% year-over-year, but effectuated enrollment — people who'd actually paid their premiums and held active coverage by February — dropped 29%, per KFF's analysis of CMS data. KFF named South Carolina as one of three states (with Michigan and Minnesota) showing the most pronounced version of this gap, and linked the drop to rising premium payments after enhanced federal subsidies expired.
Among the roughly 580,000 South Carolinians who selected 2026 marketplace plans, average net (after-subsidy) premiums rose about 90% — from roughly $73 to $139 a month, or nearly $800 more per year per enrollee — as enhanced federal premium tax credits expired.
To soften that premium jump, many South Carolina enrollees shifted into lower-coverage plans: the average actuarial value of selected plans fell from 74.9% to 70.7%. One independent analysis estimates that, despite the downgrade, yearly out-of-pocket costs still rose about 41%, to roughly $4,200 per enrollee.
We serve South Carolina residents across Charleston, Columbia, Greenville, Mount Pleasant, and Rock Hill and statewide.
Personal coverage for South Carolina residents without an employer plan.
Learn MoreProtect your whole household under one South Carolina plan.
Learn MoreFlexible coverage for South Carolina freelancers and contractors.
Learn MoreGroup health benefits for South Carolina teams of 2 to 50.
Learn MoreNot without checking first. South Carolina's Department of Insurance approved 2026 rate increases averaging about 19.5%, but carrier-level increases ranged from roughly 17% up to nearly 30% on some plans, so auto-renewing can lock you into one of the steeper hikes even if a comparable or better-priced plan is available. We check your specific 2026 renewal against every approved plan in your county before you accept it.
South Carolina uses the federal Health Insurance Marketplace at HealthCare.gov. Individual and family plans are compared and enrolled through the federal marketplace or directly with private carriers. We help you compare both marketplace and private options and choose the one that fits your doctors, prescriptions, and budget.
Many residents qualify for income-based premium tax credits that lower monthly costs. South Carolina has not expanded Medicaid, so Medicaid eligibility is more limited here. That makes income-based marketplace subsidies (premium tax credits) especially important for keeping coverage affordable. We check whether you qualify and help you set an accurate income estimate.
Open enrollment for South Carolina plans generally runs November 1 through January 15. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Yes. We work with South Carolina individuals, families, self-employed professionals, and small business owners across Charleston, Columbia, Greenville, Mount Pleasant, and Rock Hill and statewide, matching each situation to the right coverage.
Talk through your options with a licensed advisor who serves South Carolina. No cost, no pressure.