4 Affordable South Carolina Health Insurance Options for 2023
Compare Health Insurance Plans in South Carolina
South Carolina has some of the best health insurance options in the states. While there are a number of different health plans offered today, South Carolina has four health insurance carriers that is offered to people. Finding the right one for your circumstances and stage in life may feel overwhelming and many are stuck with the questions such as, "When can I enroll?", "What would my deductible be?", or "How much does it cost?"
Health Insurance Options In South Carolina
With Prime Insurance Brokerage, residents can secure affordable south carolina marketplace insurance through several avenues:
Employer Provided
- Offered by your employer
- Offered through your spouse's employer
Individual or Family Plans
- Through Prime Insurance Brokerage
Government Assisted
- Medicaid (Under 65)
- Medicare (Over 65)
South Carolina Health Insurance Costs and Factors
South Carolina residents spend an average $7,311 per year on health care insurance coverage, which is below the national average. Every year health insurance costs have been going up, as well as annual deductible.
What Factors Into the Cost of Health Insurance Plans?
When we work with our clients, we make sure to go over five (5) factors which will affect your health insurance premiums. Some of these factors are out of your control, while some can be managed by the client.
Location
Your location plays a big role and will effect your premiums. South Carolina is a state that averages below national average on annual health insurance plans and it's determined by:
- Insurance Company Competition
- State and Local Laws
- Cost of Living
Tobacco Use
Smokers will pay more on health insurance plans because of the health risks that they have gained.
Age
We all understand that as we get older, we are no longer as healthy as we once were. Health insurance companies will factor this into the health insurance premiums.
Individual vs. Family Enrollment
You have the options of insuring only yourself, you and your spouse, you and your dependence, or you, your spouse and your dependence.
Plan Category
There are total of 5 categories to choose from:
- Bronze
- Silver
- Gold
- Platinum
- Catastrophic
Bronze is your lower monthly premium plan with higher out-of-pocket costs and Platinum will generally have the highest premiums but lower out-of-pocket costs.
4 Best South Carolina Health Insurance Companies
The question you may have is what are the best health insurance plans in South Carolina. While there are many options available across the nations, South Carolina has 4 options that you can choose from for your medical health plan.
- Blue Cross Blue Shield
- Ambetter
- Bright Healthcare
- Molina
To learn more about what you could qualify for, contact Prime Insurance Brokerage for a free quote.
