Before subsidies, the benchmark silver plan for a 40-year-old in Richland County cost about $571 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 Richland County for 2026. The rest of this page covers your coverage options in St. Andrews, the best-reviewed local agencies and the deadlines that matter.
Top-rated health insurance agencies near St. Andrews
Licensed agents can compare plans available in Richland County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: St. Andrews, SC
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $702/mo before subsidies |
| Richland County benchmark (2026) | $571/mo |
| Plans offered in Richland 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
- Write down the enrollment deadline and confirm your first premium payment.
- Ask each agent which carriers they can quote in your county.
- 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.
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
How much is health insurance in St. Andrews?
Before subsidies, the benchmark silver plan for a 40-year-old in Richland County cost about $571 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 Richland County for 2026. A licensed agent can quote your exact price.
Where can I buy health insurance in St. Andrews?
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.
Health insurance in nearby cities
- Seven Oaks, SC 2 miles
- West Columbia, SC 4 miles
- Oak Grove, SC 5 miles
- Irmo, SC 6 miles
- Forest Acres, SC 8 miles
- Lexington, SC 8 miles
- Cayce, SC 8 miles
- Dentsville, SC 9 miles
- Woodfield, SC 10 miles
- Lake Murray of Richland, SC 10 miles