Reviewed by a licensed health insurance agent. HealthPlusLife agents are licensed in all 50 states. Plan data sourced from Healthcare.gov, CMS.gov, and KFF Health Policy. Call 888-828-5064.
Individual Health Insurance in South Carolina 2026
Compare U65 private, ACA marketplace, and off-exchange plans in South Carolina. Licensed agents compare all carriers at no cost.
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Quick Answer: Individual health insurance in South Carolina costs $160 to $500 per month for a U65 private plan and $240 to $730 per month for an unsubsidized ACA plan in 2026. For healthy South Carolina residents above the $60,240 ACA subsidy threshold, U65 private plans are typically 20 to 40 percent cheaper. Call 888-828-5064 for a free multi-carrier comparison.
📊 According to KFF Health Policy, South Carolina has a significant population of individually insured adults outside employer coverage. South Carolina has a significant tourism, healthcare, and manufacturing workforce. The coastal areas including Charleston, Myrtle Beach, and Hilton Head have large populations of self-employed hospitality, real estate, and service workers needing individual health insurance.
Health Insurance Options in South Carolina
| Plan Type | Monthly Cost | Enrollment | Key Carriers |
|---|---|---|---|
| U65 Private Plan | $160 to $500 | Year-round, any day | UnitedHealthcare, Aetna, Cigna, Humana |
| ACA Marketplace | $0 to $650 with subsidy | Open enrollment or SEP | Ambetter (Select Health of SC), BlueCross BlueShield of SC, Oscar Health, Molina Healthcare |
| Medicaid | Free to low cost | Year-round | South Carolina Medicaid |
South Carolina has not expanded Medicaid. SC Healthy Connections (Medicaid) covers children, pregnant women, people with disabilities, and other limited qualifying groups. Working-age adults without dependents generally do not qualify for SC Medicaid regardless of income. ACA subsidies are available for SC residents earning $15,060 to $60,240 individually.
Compare South Carolina Health Insurance Plans
A licensed HealthPlusLife agent compares all available South Carolina options in one 10-minute free call. Call 888-828-5064 | TTY 711 | Free quote.
U65 Private Health Insurance Costs in South Carolina
| Age | U65 Private Monthly | ACA Unsubsidized Monthly | Annual Savings with U65 |
|---|---|---|---|
| 30 | $165 to $250 | $270 to $390 | Up to $1,500/yr |
| 40 | $220 to $360 | $320 to $470 | Up to $1,800/yr |
| 50 | $320 to $490 | $440 to $650 | Up to $1,920/yr |
| 60 | $430 to $640 | $630 to $940 | Up to $2,520/yr |
South Carolina is one of our active individual health insurance markets. Self-employed professionals, early retirees, and adults between jobs across all regions of the state benefit from U65 private plan comparisons. We consistently find options 20 to 40 percent cheaper than unsubsidized ACA plans for eligible clients.
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South Carolina Cities and Counties We Serve
HealthPlusLife serves all South Carolina counties and cities including Columbia, Charleston, North Charleston, Mount Pleasant, Rock Hill, Greenville, Summerville, Goose Creek, Hilton Head Island, and Spartanburg and all surrounding communities. Call 888-828-5064 for your South Carolina health insurance quote.
Related State and Individual Plan Guides
Get Your South Carolina Health Insurance Quote Today
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