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South Carolina health insurance exchange

south-carolina guide to health insurance

Strong opposition to ACA from South Carolina leaders, despite nearly one in five residents without insurance

By
March 29, 2014

Open enrollment in South Carolina ends on March 31.  But HHS is allowing an extension for applicants who begin the process by that date, but are unable to complete their enrollment by the end of the day on March 31.  The extension is expected to be valid until mid-April, and applicants will have to attest to the fact that they tried to enroll by March 31 but were unable to finish because of technical problems or other extenuating circumstances.

Despite the fact that nearly 20% of the population in South Carolina is uninsured, the state made headlines at the start of the new year thanks to a bill that would have effectively prohibited the implementation of the the ACA in the state.  The curiously-named South Carolina Freedom of Health Care Protection Act (H3101) would have blocked state employees from participating in the exchange and would have reimbursed residents facing an IRS penalty for not complying with the ACA’s individual mandate.  The bill passed the SC House last spring, and Governor Nikki Haley supports the legislation.  However, it failed a second reading in the Senate on March 19.  Republican lawmakers in SC aren’t giving up on their efforts to nullify the ACA though – Senate Republican Tom Davis introduced an amendment to the bill in early March in an effort to continue to fight against the law in a state that desperately needs the ACA.

Ignoring the political grandstanding by opponents of the ACA in South Carolina, more than 55,830 people had finalized their plan selections in the exchange by March 1.  Another 19,747 had been found to be eligible for existing Medicaid coverage.

South Carolina was quick to accept President Obama’s policy cancellation compromise that allows carriers to extend existing plans that had been scheduled to terminate at the end of the year.  Carriers have the option of whether or not to move forward with renewing the policies, and by December 3 two SC Blues carriers had opted to do so.  This gave many people in the existing individual market another alternative to compare with the options available in the exchange.

Given Gov. Haley’s outspoken opposition to the Affordable Care Act, it is no surprise that the federal government is running the health insurance marketplace in South Carolina. Haley announced her decision in November 2012.

Three companies are offering health insurance through the federally-run marketplace in South Carolina: Blue Cross Blue Shield of South Carolina, Consumers’ Choice Health Plan and Coventry Health Care of the Carolinas. In total, 52 options, with varying premiums and deductibles are available for individuals and families. A preliminary report released by the U.S. Department of Health and Human Services (HHS) found premiums in South Carolina to be higher than the national average. In South Carolina, the average cost for the least-expensive bronze plan is $267 a month before tax credits or subsidies. The national average for the lowest cost bronze plans is $249 a month.  The federal mareketplace website, www.healthcare.gov, shows all of the options available, although it has struggled during its first month of operation to work out glitches and create a smooth enrollment process.

Three federally funded groups have launched training programs and outreach campaigns to help consumers understand their options. DECO Recovery Management, Cooperative Ministry, and the Beaufort County Black Chamber of Commerce all received grants to hire “navigators.” Navigators provide unbiased information about the options available through the marketplace and help consumers through the enrollment process, but cannot be directly or indirectly paid by insurance companies.  Their success depends on a fully functioning exchange website though.  As of October 27th, the Cooperative Ministry reported that although they have two dozen navigators working to assist people, they had not yet been able to help anyone complete the online enrollment process.

According to the HHS, more than 750,000 – about 19.4% of the population – South Carolina residents are uninsured and eligible to use the new marketplace.  This is higher than the national average rate of uninsureds (17.3%) and makes South Carolina one of the states most in need of healthcare reform, exchange subsidies and Medicaid expansion.  Unfortunately, South Carolina is not expanding Medicaid, which leaves many low-income residents in a “coverage gap” where they earn too little money to qualify for exchange subsidies, but do not qualify for Medicaid based on existing eligibility rules.

South Carolina health insurance exchange links

State Exchange Profile: South Carolina
The Henry J. Kaiser Family Foundation overview of South Carolina’s progress toward creating a state health insurance exchange.

South Carolina Consumer Assistance Program
Assists people insured by private health plans, Medicaid, or other plans in resolving problems pertaining to their health coverage; assists uninsured residents with access to care.
(800) 768-3467  /consumers@doi.sc.gov

 

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Voice your concerns to your
South Carolina elected officials

tell your elected officials

Let your South Carolina governor and legislators know how you feel about the state’s proposed health insurance exchange.

South Carolina Governor Nikki Haley
P.O. Box 12267
Columbia, SC 29211
PHONE: 1-803-734-2100
FAX: 803-734-5167
Contact by e-mail
Contact your South Carolina State Senator
Contact your South Carolina State Representative