Medicare and group coverage in South Carolina.
South Carolina does not run its own marketplace, so one thing is done on the federal website instead. Here is what you can get help with here, and the one part you do yourself on HealthCare.gov.
What we do in South Carolina: Medicare, plans for a small team, life and burial cover, retirement, dental and vision. Buying your own health plan here happens on HealthCare.gov. Ask us first and you get a straight yes or no in five minutes.
What you can get in South Carolina
Medicare, small-business group health, life and final expense, retirement, dental and vision, and accident or hospital indemnity. All of it statewide — Columbia, Charleston, North Charleston, Mount Pleasant, Rock Hill, Greenville, Summerville, Sumter, Goose Creek and Hilton Head — and all of it by phone, text, email or video, in English or Spanish.
Buying your own plan in South Carolina
South Carolina uses the federal marketplace rather than running its own, so individual and family marketplace plans here are bought on HealthCare.gov — you can go straight there. Everything else on this page is handled here.
Medicare in South Carolina
For the 2027 plan year there are 15 Medicare plans from 5 insurance companies available in Richland County. What is on offer changes from one county to the next, so the number where you live may look nothing like that one.
One thing worth knowing about Richland County for 2027: the plan finder shows no standalone drug plans there at all. Everything with drug coverage is bundled into a Medicare Advantage plan. If you were counting on keeping Original Medicare and adding a separate drug plan, that is worth checking for your own county before December 7 rather than after.
If a letter says your Healthy Connections is ending
Healthy Connections is South Carolina’s Medicaid program, and a letter saying it is ending starts a clock — typically a 60-day special enrollment window counted from the date printed on the letter.
If you are 65 or older, or already on Medicare, that is a conversation worth having here. For an individual or family plan instead, HealthCare.gov is where that is done, on the same clock.
Coverage for a South Carolina business
Coverage for a small team is available across South Carolina, and the moment that actually helps is a few months before renewal rather than the week the letter arrives. Dental, vision and accident or hospital indemnity can sit alongside it, or stand on their own.
Common South Carolina questions
Can you help me buy my own health plan in South Carolina?
No. South Carolina has no state marketplace of its own, so individual and family coverage is bought on HealthCare.gov and you can go there directly. Medicare, small-group, life, final expense, retirement, dental, vision and accident or hospital indemnity are all written in South Carolina.
Are there standalone drug plans in South Carolina for 2027?
In Richland County, the 2027 plan finder shows none at all — every option with drug coverage is bundled into a Medicare Advantage plan. That is a real change from 2026 and it matters if you were planning to keep Original Medicare and add a separate drug plan. Check your own county before December 7.
How many Medicare plans are available in South Carolina?
It depends on your county. For the 2027 plan year there are 15 Medicare plans from 5 insurance companies available in Richland County. Other counties differ, so the figure for your own ZIP code is the one to go by.
Start with your own situation, not the state average.
Say what changed — a letter, a birthday, a renewal, a premium — and you get a straight answer about what South Carolina actually allows you to do about it.