Health insurance in South Carolina: private plans, the Marketplace, and how AFHC helps

South Carolina health insurance facts

Marketplace

South Carolina uses HealthCare.gov, the federally facilitated Marketplace.Source

2027 open enrollment

November 1, 2026 to January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027; enroll December 16 to January 15 for a February 1 start.Source

Medicaid expansion

South Carolina has not adopted Medicaid expansion. Adults without children generally do not qualify for Medicaid on income alone, and people below the poverty line may fall into a coverage gap.Source

State insurance department

South Carolina Department of Insurance. File complaints and check agent licenses here.Source

Facts checked 2026-09-17. Rules change; confirm anything you plan around at the linked source.

Free, impartial help in South Carolina

If you have Medicare or will soon: South Carolina’s State Health Insurance Assistance Program (SHIP) is State Health Insurance Assistance Program (SHIP), 1-800-868-9095.Source SHIPs are federally funded, give objective one-on-one Medicare counseling, and there is no cost to use them.Source

If you are buying a Marketplace plan: HealthCare.gov’s Find Local Help directory lists assisters trained and certified by the Marketplace, who are required to give fair, impartial information.Source

America First Healthcare is a licensed agency, not a SHIP or a Marketplace assister. Use them, us, or both; a second opinion costs you nothing either way.

Who we usually help in South Carolina

Most South Carolina households who book a review are buying coverage without an employer in the middle. The hubs below explain each situation in detail. New to private coverage? Start with private health insurance in the USA.

• Self-employed and 1099 workers
• Small business owners
• Early retirees bridging to Medicare
• People losing employer coverage
• Families who want catastrophic-first coverage

We work with families across South Carolina, including Charleston, Columbia, Greenville and North Charleston, and everywhere in between. The review is by phone or video, so where you live in the state does not change how it works.

How the free review works for South Carolina residents

1. Book online at the free healthcare review page or call (888) 728-7640.
2. One scheduled call with one licensed advisor. We look at what you have and what your household actually needs in South Carolina.
3. You get the options side by side with every cost shown. No timeline and no pressure; move forward or walk away knowing where you stand.

South Carolina health insurance FAQs

Educational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.