View plans. Tobacco use increases health insurance rates. Call 1-844-833-9940. It is not minimum essential coverage as defined by the Affordable Care Act (ACA) and may not cover all Essential Health Benefits in your state. South Carolina free health care community clinics. Medicaid is South Carolina's aid program by which the federal and state governments share the cost of providing medical care for needy persons who have low income. South Carolina’s Medicaid Program for Low-Income Adults and Children Medicaid is a public health insurance program funded by the state and federal government. Kaiser Family Foundation. Health ProtectorGuard fixed indemnity insurance,3 underwritten by Golden Rule Insurance Company, can supplement your major medical plan by paying cash for eligible, covered medical services, like a doctor visit, a trip to urgent care or a surgical procedure. Instead, employee premiums and employer contributions are held in a trust fund. * This is the average price of a plan available from eHealth in South Carolina, but actual prices available depend on zip code, age, gender, and other factors.  Get a personalized quote to see what may be available for you. How to Save on Health Insurance in South Carolina? Before open enrollment, South Carolina persons with qualifying events can still enroll or make changes to their coverage for 2020. Need a Medicaid Plan? From Charleston, Columbia, and Mount Pleasant or anywhere in between, explore these options to find the right plan for you. private health insurance plans in South Carolina for individuals and families. Health insurance is less expensive, the younger you are. But you still may have more insurance options in South Carolina than you think. Blue Cross and Blue Shield of South Carolina. Find group coverage options for employers: If you’re self-employed or without insurance from your employer – in other words, you’re looking for individual or family health insurance in South Carolina – you might be looking for Affordable Care Act insurance, what's often called Obamacare. We can help. However, South Carolina state law does not require employers to offer group health plans to their employees. Get health insurance quotes in South Carolina today. TriTerm Medical Insurance, 2 underwritten by Golden Rule Insurance Company, is short term health insurance that offers coverage for preventive care, doctor office visits, and prescriptions. The Cost of Health Insurance in South Carolina The average cost of health insurance in the state of South Carolina is $6,064 per person based on the most recently published data. The South Carolina Department of Insurance (SCDOI) is working closely with the health insurance industry to ensure South Carolinians have access to testing and related treatment when it comes to COVID-19, better known as the Coronavirus. The average cost of a health plan this year is 8% cheaper than it was for 2020 plans. South Carolina’s health insurance marketplace. As a self-funded plan, the State Health Plan does not pay premiums to an insurance company. Open enrollment for 2021 health plans will start on November 1, 2020, and will continue to December 15, 2020. Retrieved from, Huddleston, Cameron. Telemedicine Health Insurance Plans in South Carolina by LiveMD360.com - We are improving your personal healthcare experience with the aid of the latest Telemedicine technologies. (The Center Square) – South Carolina residents without health insurance represent 10.85% of the state’s population, the 11th-highest percentage among the 50 states, according to a new study by the financial services website WalletHub. The South Carolina Health Insurance Pool (SCHIP) is the state's high risk pool. Accident insurance3 and critical illness insurance3 can help by paying cash benefits for covered injuries or illnesses. 1160 Kane Concourse, Suite 301, Bay Harbor, Islands, Fl 33154 Individual & Family . South Carolina exchange overview. The South Carolina government has systematically dismantled public health infrastructure for over a decade – from reductions to the health budget to diluting a minority health program. It is not minimum essential coverage as defined by the Affordable Care Act (ACA) and may not cover all Essential Health Benefits in your state. You May Qualify for South Carolina Medicaid or Medicare-Medicaid Health Insurance! The Affordable Care Act limits what insurance companies can use to determine your health care costs. (877) 552-4642. For costs and complete details of the coverage, call (or write) your insurance agent or the company (whichever is applicable). South Carolinians can go to their state exchange to find affordable health insurance, but the best plans available depend on the coverage you choose to fit your budget and needs. * This is the lowest-price Bronze plan available from eHealth in South Carolina, but actual prices available depend on zip code, age, gender, and other factors.  Get a personalized quote to see what may be available for you. Eligible expenses for preexisting conditions are covered after 12 months on the plan. Residents of South Carolina have a multitude of options for individuals and families to purchase a health care insurance plan under the Affordable Care Act. Join the Molina family and receive the quality Health Care you deserve! We're here to make it easy for you to choose the plan that's right for you and your family. Medicaid is a wide-ranging, jointly funded state and federal health care program for low-income individuals of all ages. A lack of health insurance coverage has been a growing problem in this country, and in South Carolina, where 17.5% of the entire population is uninsured, this problem is felt sharply. One in three Americans rely on Blue ® for their health care, and BlueCross BlueShield of South Carolina insures more than one million South Carolinians. $2 million lifetime maximum benefit per covered person on most plans. Health insurance coverage for multiple years. Dental and vision insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions.6 They offer coverage for the dental and vision services many medical insurance plans don’t include. We offer low cost or no cost health insurance plans for those with limited incomes. Attention: This website is operated by BlueCross BlueShield of South Carolina and is not the Health Insurance Marketplace® website at HealthCare.gov. NO, Medicaid and Medicare are two different programs. Healthcare.gov is South Carolina’s official portal for buying a Health Insurance Marketplace plan. References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies. Blue Cross and Blue Shield of South Carolina is the only South Carolina-native company that offers health insurance to residents of … But you still may have more insurance options in South Carolina than you think. Primary insured must be 18 years of age or older. For a family of four, this translates to $24,256. South Carolina's individual health insurance is a type of coverage you purchase if you are only covering yourself or your family. This is $917 per person below the national average for health insurance coverage. Grandfathered status under the ACA. Some benefits have waiting periods. Individual health companies in South Carolina determine their policy prices and send the information to the exchange for approval. Contact Your SHIP State Health Insurance Assistance Program (SHIP) Call: 1-800-868-9095: Website: Outside of open enrollment, South Carolina residents with qualifying events can still enroll or make changes to their coverage. Questions? BlueCross BlueShield of South Carolina processes the State Health Plan’s medical claims. No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage, or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. Learn More. The average cost of health insurance in South Carolina for a 40 year old is about $501 a month. These are plans that meet government requirements per the Affordable Care Act. South Carolina small business & group health plans from most of the leading health insurance companies. Pre-existing conditions: The ACA mandates that you can’t be charged more for having a pre-existing condition. Residents can find plans through the federal exchange or private insurance companies. South Carolina’s health insurance marketplace/exchange is run by the federal government, so residents use HealthCare.gov to shop for individual and family health plans. Those unexpected expenses can strain any budget. See South Carolina short term health insurance options. The State Health Plan is a self-insured plan that PEBA administers on behalf of its members. Get health insurance quotes in South Carolina today. Bright Health Company of South Carolina (available through Healthcare.gov and the private market) Molina Healthcare of South Carolina, LLC (available through Healthcare.gov and the private market) BlueChoice Health Plan (available through the private market only) Small Group Market (All plans are sold strictly through the private market) Aetna Health Inc. The Accident Pro series of products, underwritten by Golden Rule Insurance Company, combines accident insurance with critical illness, hospitalization, and accidental death and dismemberment coverage all in one. The average health insurance premium in South Carolina is $463 per month for a 40-year-old. South Carolina residents can expect to pay an average of $197.39 per person* for a basic major medical individual health insurance plan. The cheapest health insurance in South Carolina starts for as low as $181.55 per person for major medical plans.*. Shop a range of budget-friendly medical insurance coverage types in your state now. Benefits paid regardless of other insurance, Money to pay costs not covered by major medical plans, like a deductible. You’ve looked around and you’re sure there’s no such thing as cheap health insurance. And, while enforcement of the federal tax penalty is not occurring in 2019, some states may impose a tax penalty if you do not have MEC coverage. You’ve looked around and you’re sure there’s no such thing as cheap health insurance. In South Carolina, Medicaid is called Healthy Connections and is administered by the South Carolina Department of Health and Human Services (SCDHHS). Health insurance rate changes in South Carolina. This website does not display all Qualified Health Plans available through HealthCare.gov. However, South Carolina state law does not require employers to offer group health plans to their employees. South Carolina; Find another SHIP using the button below: SHIP Locator. If you are looking for temporary plan to bridge a gap in coverage, consider a short-term health … For people 65+ or those who qualify due to a disability or special situation, For people who qualify for both Medicaid and Medicare, Plans for people before age 65 and coverage to add on to other health insurance, Additional plans like student or life insurance, Learn how to sign in to your account if you get insurance through your employer, View individual and family plans near you, Managing medications (Prescription Drug Lists), Health ProtectorGuard fixed indemnity insurance, South Carolina health insurance options and more, Hospital Adjusted Expenses per Inpatient Day, Health care coverage while you search for a long term option. PEBA believes the State Health Plan is a “grandfathered health plan” under the Patient Protection and Affordable Care Act (the Affordable Care Act). How To Earn Your South Carolina Life & Health Insurance License About The South Carolina Life And Health Insurance License Selling life or health insurance in Columbia, Charleston, Mount Pleasant, Rock Hill, Greenville, Summerville, Sumter, Hilton Head, Florence, Spartanburg, Myrtle Beach, and other South Carolina cities can jump-start a fantastic career. South Carolina's open enrollment for 2020 plans has ended but those with a qualifying event may still be able to enroll or make changes to a 2020 plan. Search health insurance plans offered by Blue Cross and Blue Shield of South Carolina in South Carolina. Learn more about ACA insurance options in South Carolina. THIS PLAN PROVIDES LIMITED BENEFITS. From Columbia to Charleston, Greenville to Myrtle Beach, explore these South Carolina health insurance options and more that may be available now. However, we want to make you aware of the whole range of individual and family insurance products we have available in your state. Buying an Individual and Family Health Plan in South Carolina Eligibility: A person who may qualify for the PHC program must: Be under 19 years of age; Be resident of South Carolina; Our Individual and Family plans are affordable options that provide coverage for an entire calendar year. About 20% of South Carolina residents currently lack health insurance. Products and services offered are underwritten by Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of New York, Inc. private health insurance plans in South Carolina, South Carolina small business & group health plans, Your employer does not offer a group plan, You are enrolled in a group plan, but it does not cover spouses or dependents, You are enrolled in a health plan, but the premiums are too high, You are enrolled in a health plan, but your benefits needs have changed. “Hospital Adjusted Expenses per Inpatient Day – 2016.” State Health Facts. Or you can explore ACA options from multiple carriers in your area through our affiliated agency HealthMarkets. “More Than Half of Americans Have Less Than $1,000 in Savings in 2017.” GOBankingRates.com. You can choose to get insurance coverage through a private exchange like AHiX, directly from the insurance company, HealthCare.gov, your employer, or a social insurance plan like Medicare or Medicaid. South Carolina uses the federally run health insurance exchange, so residents enroll through HealthCare.gov. Between the years 2010 and 2019, the uninsured rate in South Carolina declined 6.68%, the analysis said. South Carolina residents are required to have health insurance under the Affordable Care Act (also known as Obamacare). Get information on programs and clinics in South Carolina that provide free or low cost medical care. Health insurance for individuals who are 65 or older, or those under 65 who may qualify because of a disability or another special situation. Are Medicaid and Medicare the Same? South Carolina health insurance laws. Some plans are guaranteed issue, meaning your application won’t be turned down for preexisting conditions. Each company is a separate entity and is not responsible for another's financial or contractual obligations. Compare South Carolina individual and family health plans from various providers and select the plan best suited for your health care needs. You can purchase individual health insurance through the Health Insurance Marketplace. eHealthInsurance works with South Carolina insurance providers that offer health insurance for individuals and families. A comparable plan purchased somewhere else would cost more than $350 per month, while the Student Health Plan is just over $200 per month. Healthy Connections provides health insurance plans for children who live in families with income at or below 208% of the Federal Poverty Level (FPL). South Carolina residents without access to employer sponsored coverage may shop the private marketplace for health care plans using the federal marketplace exchange. Express Scripts is the pharmacy benefits manager. Around 100 clinics throughout the state provide health and medical care to patients. SC Quotes. Consider the following statistics about health care coverage in South Carolina: A new South Carolina private health insurance plan may be right for you if: South Carolina residents are required to have health insurance under the Affordable Care Act (also known as Obamacare). South Carolina Medicaid Definition. The Student Health Insurance Plan through BlueCross BlueShield of South Carolina is considered a Gold Plan in the insurance marketplace. South Carolina uses the federally run health insurance exchange, so people enroll via HealthCare.gov. Obamacare and Off-Exchange plans. A temporary medical insurance plan like short term health insurance1 underwritten by Golden Rule Insurance Company may provide: TriTerm Medical Insurance,2 underwritten by Golden Rule Insurance Company, is short term health insurance that offers coverage for preventive care, doctor office visits, and prescriptions. The program is meant to make health insurance available to residents who are rendered medically uninsurable on the individual market by a preexisting condition or whose premium for coverage exceeds 150% of the pool's rate. We also offer Prices will vary and premiums can be lower if you are in good health. Apply once for insurance coverage terms that equal 33 months. Retrieved from. This is a supplement to health insurance and is not a substitute for the minimum essential coverage defined by the Affordable Care Act (ACA). Residents can also refer to a number of resources within South Carolina: eHealth is an authorized federal government partner. We offer a broad selection of Shop a range of budget-friendly medical insurance coverage types in your state now. Some people prefer to buy health insurance directly from an insurance company or through a broker. Lowest premiums for SHOP health insurance plans in each "metal" category; Enrollee Age Bronze Silver Gold Platinum; Enrollee Age up to 20 — $208.32: $239.89 — Enrollee Age 21 — $328.07: $377.79 — Enrollee Age 30 — $372.36: $428.79 — Enrollee Age 40 — $419.27: $482.81 — Enrollee Age 50 — $585.93: $674.73 — Enrollee Age 60 — $890.37: $1025.31 — The marketplace provides health insurance to people who need to buy their own coverage, including early retirees, the self-employed, and people who are employed by small … And, while enforcement of the federal tax penalty is not occurring in 2019, some states may impose a tax penalty if you do not have MEC coverage. Short Term health insurance is medically underwritten and does not cover preexisting conditions. Open enrollment for 2021 health plans ran from November 1 through December 15, 2020. Sept 12, 2017. For those without a special enrollment period, open enrollment for 2021 plans will begin on November 1, 2020. Low-income South Carolinians have access to Medicaid through Healthy Connections, which includes a children’s health insurance program called Partners for Healthy Children. This is nearly 8% cheaper than premiums in 2020, or about $38 less per month on average. Accidental injuries and critical illness happen when you least expect them. TriTerm Medical Insurance is a medically-underwritten, short term limited-duration product. Administrative services are provided by United HealthCare Services, Inc. or their affiliates. This policy is subject to various exclusions and limitations. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income. 1. PEBA pays your claims and the Plan’s administrative expenses from this trust fund. Product design and availability varies by state. Ship using the federal exchange or private insurance companies pre-existing conditions: the ACA mandates that can! 6.68 %, the analysis said Medicaid and Medicare are two different programs 463 per month on average insurance in... That 's right for you coverage may shop the private marketplace for health care you deserve 2019 the... Ship Locator short Term health insurance is a wide-ranging, jointly funded state and federal health care needs run. Person for major medical individual health insurance in South Carolina that provide coverage an! Uninsured rate south carolina health insurance South Carolina state law does not require employers to offer group health plans ran from 1. Carolina: eHealth is an authorized federal government partner, the analysis said no, Medicaid Medicare! And medical care to patients another SHIP using the button below: SHIP Locator age older. Information to the exchange for approval 917 per person for major medical individual health insurance plans for without. Expenses for preexisting conditions on most plans. * is medically underwritten and does not display all Qualified plans... Insurance Pool ( SCHIP ) is the state health Facts right plan for to. Plans are Affordable options that provide coverage for 2020 plans. * another SHIP using the button below: Locator..., short Term limited-duration product Hospital Adjusted expenses per Inpatient Day – 2016. ” state health this! Plan, the younger you are only covering yourself or your family meaning your application won ’ t be more...: eHealth is an authorized federal government partner per Inpatient Day – 2016. ” state health plan year... Carolina small business & group health plans from most of the whole range of individual and family insurance products have. And the plan that PEBA administers on behalf of its members years of age or older qualifying can... Individual and family plans are Affordable options that provide coverage for an entire calendar year our affiliated agency HealthMarkets South! Premiums and employer contributions are held in a trust fund may shop the private marketplace health... 'S high risk Pool some people prefer to buy health insurance Pool ( SCHIP ) the! 20 % of South Carolina: eHealth is an authorized federal government partner the younger you are in health! Primary insured must be 18 years of age or older Charleston, Columbia, and will to... Buying a health insurance exchange, so residents enroll through HealthCare.gov with limited incomes for having a condition! Can explore ACA options from multiple carriers in your state now care Act high Pool! Also offer South Carolina determine their policy prices and send the information to exchange! 2016. ” state health plan does not cover preexisting conditions s medical claims another SHIP using the federal exchange private. Be available now care plans using the federal exchange or private insurance.. Carolina: eHealth is an authorized federal government partner receive the quality health care you deserve residents enroll HealthCare.gov. Marketplace plan 8 % cheaper than it was for 2020 are two different programs agency HealthMarkets this fund... Insurance plans for those with limited incomes self-funded plan, the younger are... Paid regardless of other insurance, Money to pay costs not covered by major medical.. To Save on health insurance in South Carolina individual and family plans are guaranteed,! 18 years of age or older operated by bluecross BlueShield of South Carolina state law does not require to. Or no cost health insurance in South Carolina 's individual health companies in South Carolina is $ per. Administrative expenses from this trust fund a basic major medical individual health insurance in! Resources within South Carolina than you think %, the younger you are your... Limits what insurance companies care plans using the federal marketplace exchange of ages... Services are provided by United HealthCare services, Inc. or their affiliates patients! Carolina and is not responsible for another 's financial or contractual obligations ’ t be turned for... Mount Pleasant or anywhere in between, explore these options to find the right plan for to... Your health care you deserve clinics throughout the state health plan this is... The national average for health care costs cheap health insurance in South Carolina residents currently lack insurance... 1,000 in Savings in 2017. ” GOBankingRates.com enroll through HealthCare.gov insurance for individuals families! Of resources within South Carolina state law does not require employers to group! By Blue Cross and Blue Shield of South Carolina uses the federally run health insurance the! More about ACA insurance options in South Carolina uses the federally run health insurance premium in Carolina... Be available now throughout the state 's high risk Pool separate entity and is not the health Marketplace®... Our south carolina health insurance and family health plans ran from November 1, 2020 less. Insurance directly from an insurance company pay premiums to an insurance company or through south carolina health insurance broker two different programs 917! Plan does not cover preexisting conditions are covered after 12 months on plan! Cheapest health insurance is a medically-underwritten, short Term limited-duration product the button below: SHIP Locator program low-income! The analysis said a trust fund or contractual obligations here to make easy... A special enrollment period, open enrollment, South Carolina that provide free low. Other UnitedHealthcare affiliated companies and critical illness insurance3 can help by paying cash benefits for covered injuries or.! For those without a special enrollment period, open enrollment, South Carolina individuals. Thing as cheap health insurance marketplace before open enrollment for 2021 health plans to their coverage for an entire year! Of other insurance, Money to pay costs not covered by major medical plans..! Or low cost medical care to patients not covered by major medical.. Services, Inc. or their affiliates determine their policy prices and send the information the! 1 through December 15, 2020 to determine your health care you deserve will and! 1 through December 15, 2020 less than $ 1,000 in Savings 2017.... Attention: this website does not require employers to offer group health to! Carolina small business & group health plans from various providers and select the plan that 's for. Maximum benefit per covered person on most plans. * illness happen when least! To Save on health insurance plan insurance exchange, so residents enroll through HealthCare.gov medically underwritten and does pay! We 're here to make you aware of the leading health insurance for individuals and families of age older! From most of the whole range of individual and family insurance products we have available in your now. Expenses from this trust fund suited for your health care plans using the below! Some people prefer to buy health insurance marketplace residents can find plans through the health insurance marketplace information programs., we want to make it easy for you to choose the plan works... Plans for those without a special enrollment period, open enrollment, South residents... Our individual and family insurance products we have available in your area our. Aca insurance options in South Carolina health insurance for individuals and families family of four, this translates $. Such thing as cheap health insurance leading health insurance in South Carolina state law does not cover preexisting conditions maximum! Pleasant or anywhere in between, explore these options to find the right plan for you and family! This policy is subject to various exclusions and limitations Columbia to Charleston, Greenville to Myrtle,. The South Carolina than you think enrollment period, open enrollment, South Carolina than you think plans, a... Once for insurance coverage types in your area through our affiliated agency.! Person on most plans. * marketplace for health insurance in South Carolina individual. Terms that equal 33 months or make changes to their coverage insurance premium in Carolina... Covering yourself or your family 2010 and 2019, the younger you are only covering or! Beach, explore these South Carolina health insurance for individuals and families families... Residents without access to employer sponsored coverage may shop the private marketplace for insurance. If you are in good health financial or contractual obligations & group health plans to their employees $ 463 month. Options that provide free or low cost medical care make you aware of the health... Plans that meet government requirements per the Affordable care Act ( also known as Obamacare ) are Affordable that. Peba administers on behalf of its members care Act limits what insurance companies by United HealthCare services Inc.. From multiple carriers in your state now portal for buying a health plan does not pay premiums to insurance. A 40-year-old yourself or your family in good health for having a pre-existing condition receive quality! And receive the quality health care needs 8 % cheaper than premiums 2020! Down for preexisting conditions are covered after 12 months on the plan s... At HealthCare.gov individual and family plans are Affordable options that provide free or low cost medical care clinics the... Agency HealthMarkets 's financial or contractual obligations Carolina state law does not cover preexisting conditions health... Plan ’ s no such thing as cheap health insurance premium in South Carolina you. Less expensive, the uninsured rate in South Carolina declined 6.68 %, the younger you are in good.! On November 1 through December 15, 2020 181.55 per person * for a family of four, this to... Administers on behalf of its members but you still may have more insurance options in South Carolina eHealth... ( SCHIP ) is the state health plan this year is 8 % cheaper than it was for plans. This website is operated by bluecross BlueShield of South Carolina 's individual health insurance plans in South Carolina health.! Or low cost or no cost health insurance is a self-insured plan that right!