Paige Cerulli Last Updated On: October 4, 2023

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Find Affordable Health Insurance in South Carolina

When you need healthcare, it’s important to be able to access that care without worrying about finances. The right health insurance plan can help you to get the care that you and your family need. But shopping for health insurance can be a challenge, especially when you’re comparing different plan types, deductibles, and premiums.

We’ve broken down the information you need to know to find affordable health insurance in South Carolina that fits your coverage needs.

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Table of Contents

The Average Cost of Health Insurance in South Carolina

Many factors, including the plan tier that you select, affect the average cost of health insurance in South Carolina. In South Carolina, Bronze, Silver, Gold, and Platinum tier health plans are available. Bronze tier plans offer affordable premiums, but they’re paired with more expensive deductibles. Gold tier plans have more affordable deductibles, but their premiums are more expensive.

 

Average Premium for Health Insurance in South Carolina

Most Affordable Bronze Plan

$339

Most Affordable Silver Plan

$438

Most Affordable Gold Plan

$483

 

You may be able to save money on health insurance in South Carolina by enrolling in an employer-sponsored healthcare plan, if your employer offers one. The average cost of employer-sponsored health insurance in South Carolina is $1,553 per year.

Other factors like your age, health status, and number of dependents can also impact your insurance costs. Since costs can vary so significantly, a personalized quote will give you the most accurate idea of what you can expect to pay for insurance. You can get a free health insurance quote from ConsumerCoverage today to start shopping for health insurance and comparing prices.

Types of South Carolina Health Insurance Plans

The type of plan that you choose will also impact your costs. We’ve highlighted some of the most common types of health insurance in South Carolina that you might see while shopping.
  • Health Maintenance Organization (HMO) plans will only cover the care that you receive in-network, and you’ll also be required to have a primary care physician. These plans usually have more affordable premiums and deductibles compared to other plan types.
  • Preferred Provider Organization (PPO) plans give you more flexibility than HMO plans, since they let you receive care from out-of-network providers and don’t require you to have a primary care physician. PPO premiums and deductibles are usually more expensive than HMO plans.
  • Exclusive Provider Organization (EPO) plans will only cover in-network care, but you aren’t required to have a primary care physician. EPO plan premiums and deductibles tend to be more affordable.

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Cheap Health Insurance Plans in South Carolina

South Carolina also offers several health insurance plans for low-income individuals and families.

South Carolina Medicaid

South Carolina Medicaid offers health insurance coverage to those age 65 and older, to children age 18 and younger, and to individuals with certain disabilities. To be eligible, an individual can make no more than $12,880 per year.

South Carolina CHIP

The South Carolina CHIP offers free or low-cost health coverage that helps to cover expenses like checkups, dental care, and illness treatment. The coverage is available to eligible children in families with incomes up to 208% of the federal poverty level.

South Carolina Medicare

Individuals who are at least 65 years old or who are disabled may qualify for Medicare in South Carolina. Medicare is available in multiple parts, and may help cover expenses like prescriptions, dental and vision care, and hospitalizations.

How to Get Health Insurance in South Carolina

By taking the time to shop around and compare health insurance quotes, you may be able to save money on insurance and find the policy that best meets your needs. To get started, get a free, personalized quote from ConsumerCoverage today and explore your health insurance options.

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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.

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