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. Keep reading for what's sold in Beaufort County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies near Laurel Bay
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: Laurel Bay, 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.
Before you call an agent
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Ask each agent which carriers they can quote in your county.
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.
Which insurers sell marketplace plans in South Carolina?
For 2027, marketplace plans in South Carolina come from 6 insurers: BlueCross BlueShield of South Carolina (incl. BlueChoice), Ambetter (Absolute Total Care), Molina Healthcare, Select Health of SC, UnitedHealthcare and InStil Health. Not every insurer sells in every county.
How much is health insurance in Laurel Bay?
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.
Health insurance in nearby cities
- Burton, SC 4 miles
- Beaufort, SC 4 miles
- Ridgeland, SC 8 miles
- Port Royal, SC 9 miles
- Hardeeville, SC 18 miles
- Hilton Head Island, SC 19 miles
- Bluffton, SC 19 miles
- Rincon, GA 29 miles
- Port Wentworth, GA 30 miles
- Springfield, GA 31 miles