Affordable Health Insurance for
South Carolinians Not Yet on Medicare.

Premium tax credits are available to individuals and families with incomes between 100% and 400% of the federal poverty level — and in some years, subsidies have been available beyond 400%. In South Carolina, a single person earning up to approximately $60,000/year may qualify for meaningful premium assistance. We calculate your exact subsidy based on your income and household size.

Open Enrollment typically runs from November 1 through January 15. Outside of Open Enrollment, you can enroll if you have a qualifying life event — losing job-based coverage, getting married, having a baby, or moving. We help you identify whether you qualify for a Special Enrollment Period.

Yes — self-employed South Carolinians are one of the primary groups ACA Marketplace plans serve. Your income may fluctuate as a business owner, which affects your subsidy calculation. We help self-employed clients estimate their annual income for subsidy purposes and select plans that make sense for variable income situations.

ACA plans must cover pre-existing conditions, include all 10 Essential Health Benefits, and cannot cap annual benefits. Short-term plans are cheaper but often exclude pre-existing conditions, have benefit caps, and don't qualify for subsidies. For most SC residents, an ACA plan — especially after subsidies — is significantly better value than a short-term plan.