What does coverage cost in James Island? A 40-year-old in Charleston County paid about $509 a month for the benchmark silver plan in 2026, before any subsidy; statewide, the 2027 average is $702. Most marketplace shoppers pay less after the premium tax credit, and a broker can show you your exact number.
There are 56 health insurance agencies within 25 miles of James Island, SC. The 15 listed here are the closest local agents, from single-agent offices to larger agencies, sorted by distance from the center of James Island.
Health Insurance Agents near James Island
Licensed agents can compare plans available in Charleston County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540What a local agent does
Agents licensed in South Carolina can explain plan types (HMO, PPO, EPO), estimate your premium tax credit, enroll you, and help when something goes wrong with a claim or a bill.
Agents are free to use
Insurers pay agent commissions. Using a licensed agent doesn't add to your premium.
Questions to ask before you choose
Which carriers can you quote in Charleston County? Are you certified to enroll people through the HealthCare.gov? Will you help me at renewal next year?
Checking an agent's license in South Carolina
- South Carolina's Department of Insurance uses the NAIC State Based Systems online lookup for its license database, so anyone can search there to confirm an agent's or agency's license. Source
- The South Carolina Department of Insurance licenses insurance producers and agencies and regulates insurers in the state. Consumers can file complaints with the department through its website. Source
Free enrollment help in South Carolina
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Are local health insurance agents free?
Yes, for individual and family plans. The agent's commission is paid by the insurer and is already built into the premium.
How many agencies are near James Island?
Our listings show 56 health insurance agencies within 25 miles of James Island and 64 within 50 miles.
What's the difference between an agent and a navigator?
Navigators are trained helpers funded to give free, unbiased enrollment help, but they can't recommend a plan. Licensed agents can recommend plans and may also sell coverage outside the marketplace.
Agents in nearby cities
- Hollywood, SC 16 miles
- Goose Creek, SC 18 miles
- Ladson, SC 21 miles
- Summerville, SC 23 miles
- Sangaree, SC 23 miles
- Moncks Corner, SC 30 miles
- Walterboro, SC 44 miles
- Beaufort, SC 49 miles
- Port Royal, SC 52 miles
- Burton, SC 52 miles