Before subsidies, the benchmark silver plan for a 40-year-old in Beaufort County cost about $585 a month for 2026, and the South Carolina average for 2027 is $702 a month. Premium tax credits bring that down for many households, depending on income and family size. 3 insurers offered marketplace plans in Beaufort County for 2026. The rest of this page covers your coverage options in Hilton Head Island, the best-reviewed local agencies and the deadlines that matter.
Top-rated health insurance agencies near Hilton Head Island
Licensed agents can compare plans available in Beaufort County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Hilton Head Island, SC
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $702/mo before subsidies |
| Beaufort County benchmark (2026) | $585/mo |
| Plans offered in Beaufort County (2026) | 52 |
| Plan types | HMO, EPO, PPO |
| Marketplace insurers in South Carolina (2027) | 6 |
| Medicaid expansion | No |
| Short-term plans | Sold with state limits (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
A quick checklist
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Check that the agent's license is active with the state regulator.
- Ask each agent which carriers they can quote in your county.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
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
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for Healthy Connections. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
How much is health insurance in Hilton Head Island?
Before subsidies, the benchmark silver plan for a 40-year-old in Beaufort County cost about $585 a month for 2026, and the South Carolina average for 2027 is $702 a month. Premium tax credits bring that down for many households, depending on income and family size. 3 insurers offered marketplace plans in Beaufort County for 2026. A licensed agent can quote your exact price.
Where can I buy health insurance in Hilton Head Island?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
Health insurance in nearby cities
- Bluffton, SC 11 miles
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- Hardeeville, SC 18 miles
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- Beaufort, SC 19 miles
- Laurel Bay, SC 19 miles
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- Skidaway Island, GA 25 miles