Before subsidies, the average benchmark silver plan for a 40-year-old in South Carolina costs $702 a month for 2027, against a national average of $704. Premium tax credits lower that for many households.
This page lists top-rated local agencies across South Carolina by city. Every listing shows distance and address, and every city page explains local plan costs. For a side-by-side comparison of carriers, call 866-645-8540 to reach a licensed agent.
How health insurance works in South Carolina
People in South Carolina buy marketplace coverage through HealthCare.gov. Open enrollment runs from November 1 through January 15. Healthy Connections is the state's Medicaid program; the state has not expanded Medicaid to most low-income adults. 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. Short-term health plans are sold with state limits on how long they can last (up to 11 months initially). They are not ACA-compliant coverage.
Agent licensing in South Carolina
- 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
- 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
- South Carolina producers who sell health insurance need the Accident & Health or Sickness line of authority, which requires passing a licensing exam. 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.
Licensed agents can quote plans from multiple South Carolina carriers in one call.
Call 866-645-8540Health insurance by city in South Carolina
- Abbeville
- Aiken
- Anderson
- Batesburg-Leesville
- Beaufort
- Belton
- Belvedere
- Bennettsville
- Berea
- Bluffton
- Boiling Springs
- Burton
- Camden
- Cayce
- Centerville
- Central
- Charleston
- Cheraw
- Chester
- Clemson
- Clinton
- Clover
- Columbia
- Conway
- Darlington
- Dentsville
- Dillon
- Easley
- Five Forks
- Florence
- Forest Acres
- Forestbrook
- Fort Mill
- Fountain Inn
- Gaffney
- Gantt
- Garden City
- Georgetown
- Goose Creek
- Greenville
- Greenwood
- Greer
- Hanahan
- Hardeeville
- Hartsville
- Hilton Head Island
- Hollywood
- Homeland Park
- Irmo
- James Island
- Kingstree
- Ladson
- Lake City
- Lake Murray of Richland
- Lake Wylie
- Lancaster
- Laurel Bay
- Laurens
- Lexington
- Little River
- Lugoff
- Marion
- Mauldin
- Moncks Corner
- Mount Pleasant
- Mullins
- Murrells Inlet
- Myrtle Beach
- Newberry
- North Augusta
- North Charleston
- North Myrtle Beach
- Oak Grove
- Orangeburg
- Parker
- Piedmont
- Port Royal
- Powdersville
- Red Bank
- Red Hill
- Ridgeland
- Rock Hill
- Sangaree
- Sans Souci
- Seneca
- Seven Oaks
- Simpsonville
- Socastee
- Spartanburg
- St. Andrews
- Summerville
- Sumter
- Taylors
- Tega Cay
- Travelers Rest
- Union
- Valley Falls
- Wade Hampton
- Walterboro
- Welcome
- West Columbia
- Woodfield
- York