Frequently asked questions about health insurance
coverage options in South Carolina
South Carolina’s health insurance marketplace/exchange is run by the federal government, so residents use HealthCare.gov to shop for individual and family health plans. The marketplace provides health insurance to people who need to buy their own coverage, including early retirees, the self-employed, and people who are employed by small businesses that don’t offer health benefits.
Open enrollment in South Carolina for 2022 coverage runs from November 1, 2021 through January 15, 2022. This enrollment window is a great opportunity to take advantage of the subsidy enhancements created by the American Rescue Plan.
Outside of that open enrollment period, residents need a qualifying event in order to enroll in coverage or make a change to their plan. But you may also be able to enroll in coverage through the South Carolina exchange for the final months of 2021 if you received unemployment compensation in 2021
Four insurers offer marketplace coverage in South Carolina. South Carolina’s health insurance marketplace had just one insurer – Blue Cross Blue Shield of South Carolina – offering plans in the exchange in 2018. But Ambetter (Absolute Total Care) joined the exchange for 2019 and Bright Health and Molina started offering plans for 2020.
The four carriers have varying coverage areas. This chart shows where they each offer coverage in 2021.
For 2022, all four carriers will continue to offer plans in South Carolina’s marketplace.
According to rarereview.healthcare.gov, two of South Carolina’s exchange insurers (Absolute Total Care and Bright Health) have proposed overall average rate decreases for 2022.
The other two insurers (BCBSSC and Molina) have proposed fairly modest single-digit rate increases for 2022.
Premiums for existing medical insurance plans changed very little from 2019 to 2020. For 2021, three of the four exchange insurers implemented small average rate decreases, ranging from 0.04 percent to 3.6 percent. Ambetter (Absolute Total Care) increased average premiums by about 8.5% for 2021, but their plans covered fewer than 7,400 enrollees in 2020.
Read our full overview of the South Carolina health insurance marketplace.
During the open enrollment period for 2021 coverage, 230,050 people enrolled in private individual market health plans through the South Carolina health insurance marketplace – up from 214,030 the year before.
During the special enrollment period in 2021 to address COVID and the American Rescue Plan, nearly 60,000 South Carolina residents enrolled in plans through the marketplace. That was more than triple the enrollment volume during the same timeframe the year before, when a qualifying event would have been necessary in order to enroll in coverage.
In 2014 and 2015, South Carolina residents could buy health insurance through Consumers Choice, the state’s Consumer Oriented and Operated Plan (CO-OP). The CO-OP was funded under the ACA with a grant from the federal government.
Nationwide, about $2 billion was awarded to CO-OPs in 22 states. In South Carolina, Consumers’ Choice Health Plan (CCHPSC) received about $87.6 million. However, by November 2015, officials had announced its closure, and CO-OP members needed to select coverage from another insurer for 2016.
As of 2020, there were only four remaining CO-OPs offering plans in five states, and one of them, New Mexico Health Connections, is closing at the end of 2020.
According to U.S. Census data, the uninsured rate in South Carolina was 15.8 percent in 2013, and 10.5 percent in 2018 (although it had been lower – at 10 percent – as of 2016; the national average uninsured rate has crept back up during the Trump administration).
South Carolina leadership’s opposition to the ACA means the state has thus far refused to expand Medicaid coverage, so a cornerstone of the law’s ability to reduce the uninsured rate is not being utilized.
But the ACA has made comprehensive individual market coverage more affordable for South Carolina families with income between the poverty level and 400 percent of the poverty level. Nearly 186,000 South Carolina residents were receiving premium subsidies in 2020 that amounted to an average of $539/month – covering the large majority of the average total monthly premium, which was $610. And nearly 87,000 enrollees were receiving cost-sharing reductions, which help to keep out-of-pocket costs affordable when a person has a medical claim (ie, lower deductible, copays, and coinsurance).
And everyone enrolled in individual and small-group health plans in South Carolina (with effective dates of 2014 or later) has coverage for the ACA’s essential health benefits, without lifetime or annual caps on the benefits.
South Carolina’s U.S. congressional delegation is comprised almost entirely of Republicans as of 2020. The GOP has both Senate seats, and five of the seven U.S. representatives are Republican. Rep. Jim Clyburn, from the 6th District, and Rep. Joe Cunningham, from the 1st District, are the lone Democrats.
Cunningham and Clyburn support the ACA, and Cunningham campaigned on additional health care reform proposals, including lowering the Medicare eligibility age to 55, allowing Medicare to negotiate with drug manufacturers, and limiting policies that aren’t comprehensive coverage – such as short-term health insurance.
Lindsay Graham, South Carolina’s senior Senator, was instrumental in Senate Republicans’ last-ditch effort to repeal the ACA in September 2017 via the Graham-Cassidy Amendment. But Graham noted after the effort failed that he had essentially no understanding of health policy, saying “Well, I’ve been doing [healthcare reform policy] for about a month. I thought everybody else knew what the hell they were talking about, but apparently not.”
Henry McMaster is the current Governor of South Carolina, and won his re-election campaign in 2018. McMaster was Attorney General in South Carolina before becoming lieutenant governor and then governor. During his time as AG, McMaster organized a legal challenge against the ACA.
South Carolina also has a strong Republican majority in both chambers of the state legislature.
South Carolina is currently one of 12 states that have not yet expanded Medicaid eligibility under the ACA.
South Carolina has no pending plans to expand Medicaid coverage, despite tireless work on the part of consumer advocates. The ACA would have expanded Medicaid coverage for all legal residents with incomes up to 138% of poverty. In 2012, the Supreme Court ruled that states could opt out of Medicaid expansion, and South Carolina has been steadfast in its rejection of federal funding to expand Medicaid coverage. Because the state refused to expand Medicaid plans, South Carolina has 101,000 people in the coverage gap, with no access to financial assistance with their medical insurance.
Roughly 214,000 additional people would be eligible to enroll in Medicaid plans if the state were to expand coverage guidelines. But instead, enrollment is still contingent on South Carolina’s strict eligibility guidelines: Non-disabled adults without dependent children are ineligible regardless of income, and parents with dependent children are only eligible if their household income doesn’t exceed 62 percent of poverty (a little over $1000/month for a family of three).
South Carolina officials have said that instead of expanding Medicaid coverage, they are focusing on their Healthy Outcomes program, which helps chronically ill people without health insurance get access to treatment through free clinics and hospital charity programs. Unfortunately, the program can only assist about 8,500 people – a tiny fraction of the people who are in the coverage gap in South Carolina.
Read more about Medicaid expansion in South Carolina.
South Carolina has its own state regulations regarding short-term health insurance plans. Short-term health insurance plans in South Carolina are currently prohibited from offering coverage which exceeds 11 months, with a total duration of 33 months of short-term health insurance coverage (including renewals).
Read more about short-term health insurance in South Carolina.
As of mid-2021, there were 1,124,218 South Carolina residents enrolled in Medicare. About 37% of them were covered by private Medicare plans (Medicare Advantage) and the rest were enrolled in Original Medicare. Most South Carolina Medicare beneficiaries are eligible due to age, but 16% are under the age of 65 and are eligible for Medicare due to a disability.
- South Carolina Department of Insurance – Oversees, regulates, and licenses health insurance companies, agents, and brokers.
- South Carolina Department on Aging – Information and assistance programs for Medicare beneficiaries
- South Carolina Primary Health Care Association — the federally funded Navigator organization in South Carolina.