Before subsidies, the benchmark silver plan for a 40-year-old in Charleston County cost about $509 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. 4 insurers offered marketplace plans in Charleston County for 2026. Below you'll find how coverage works in James Island, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies 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 866-645-8540Health insurance at a glance: James Island, SC
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $702/mo before subsidies |
| Charleston County benchmark (2026) | $509/mo |
| Plans offered in Charleston County (2026) | 60 |
| 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.
How to get ready
- Check that the agent's license is active with the state regulator.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Write down the enrollment deadline and confirm your first premium payment.
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
Where can I buy health insurance in James Island?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
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 James Island?
Before subsidies, the benchmark silver plan for a 40-year-old in Charleston County cost about $509 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. 4 insurers offered marketplace plans in Charleston County for 2026. A licensed agent can quote your exact price.
Health insurance in nearby cities
- Charleston, SC 6 miles
- Mount Pleasant, SC 11 miles
- Hanahan, SC 14 miles
- North Charleston, SC 14 miles
- 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