The average health insurance cost in South Carolina is between $470 and $750 per month for individuals. With ACA subsidies, many people pay much less, even under $100/month, depending on income.
The cost of health insurance in South Carolina depends on your:
- Age
- County or zip code
- Family size
- Plan type (Bronze, Silver, Gold)
- Subsidy eligibility through the Affordable Care Act (ACA)
In this guide, we’ll explain how premiums are calculated, what options are available on and off the federal marketplace, and how to lower your monthly costs — even if you’re uninsured, unemployed, or self-employed.
Looking for self-paid coverage? See our full guide on buying your own health insurance in South Carolina.
What Is the Average Cost of Health Insurance in South Carolina?
In South Carolina, the average monthly cost for a health insurance plan in 2025 is around $600 for an individual and $1,700+ for a family, but actual prices vary based on age, income, and plan type.
Here’s a breakdown of average monthly premiums by plan type:
| Plan Type | Average Monthly Premium (Before Subsidies) |
| Individual Bronze Plan | $470 – $540 |
| Individual Silver Plan | $560 – $660 |
| Individual Gold Plan | $650 – $750 |
Note: These estimates are based on 2024 rates from South Carolina’s most popular health insurance plans and may vary by zip code.
Even though these are average premiums, most South Carolina residents qualify for ACA subsidies, which can drastically lower your actual monthly cost, sometimes even to $0.
If you’re between jobs or shopping for insurance on your own, it’s smart to check for savings on HealthCare.gov or consult with a licensed broker.
What Affects the Cost of Health Insurance in South Carolina?
What Affects the Cost of Health Insurance in South Carolina?
Your age, zip code, income, and plan type are the biggest factors that impact your health insurance premium in South Carolina.
Let’s break down the main variables that determine how much you’ll pay:
1. Age
The older you are, the more you pay. A 60-year-old could pay 3x more than a 21-year-old for the same plan.
2. Zip Code/Location
Premiums differ by region due to:
- Local healthcare provider costs
- Hospital availability
- Competition among insurers
Example: Plans in Charleston or Columbia may cost more than in rural areas.
3. Household Size
If you’re enrolling multiple people (spouse, children), expect higher premiums, but family plans can be more cost-effective per person.
4. Tobacco Use
South Carolina insurers are allowed to charge up to 50% more if you use tobacco products.
5. Plan Type (Metal Tier)
Plans are divided into tiers under the ACA:
- Bronze: Lowest monthly premium, highest deductible
- Silver: Mid-level balance of premium and coverage
- Gold: Higher premium, lower out-of-pocket costs
6. Income (Subsidy Eligibility)
If your income is between 100% and 400% of the federal poverty level, you may qualify for Premium Tax Credits through the ACA, reducing your costs drastically.
In 2025, a single person earning less than ~$58,000 per year could be eligible for subsidies.
Should You Choose Private Insurance or Marketplace Plans in South Carolina?
Marketplace plans are often cheaper for South Carolina residents who qualify for subsidies. Private plans offer more flexibility but usually cost more out of pocket.
When shopping for health insurance in South Carolina, you’ll typically have two main options:
1. Marketplace Plans
These are ACA-compliant plans available on the federal exchange through licensed brokers like AHiX.
Benefits:
- Eligible for Premium Tax Credits
- Standardized plan coverage (essential health benefits)
- Can’t be denied for pre-existing conditions
Typical Costs:
- With subsidies, as low as $0
- Without subsidies: $450–$750/month (individual)
2. Private Health Insurance Plans
Offered directly by insurance companies or through licensed brokers like AHiX.
Benefits:
- More plan variety
- Sometimes broader provider networks
- Available year-round (outside of open enrollment)
Typical Costs:
- Often $600–$1,000+/month for individuals
- No subsidies available
- May not include all ACA-required benefits
Which One Is Right for You?
| Criteria | Marketplace Plan | Private Plan |
| Subsidy Eligibility | Yes | No |
| Pre-existing Condition Cover | Yes | Depends |
| Plan Flexibility | Moderate | High |
| Monthly Premium (Typical) | Lower (with aid) | Higher |
| Enrollment Period | Limited (Open/Special) | Year-Round |
Tip: Use both marketplaces and private brokers to compare real quotes — a broker can help you check both options at once.
How Can You Lower Your Health Insurance Costs in South Carolina?
You can reduce your health insurance costs in South Carolina by qualifying for ACA subsidies, choosing a high-deductible plan, or exploring Medicaid or short-term options.
Here are the top strategies to help South Carolina residents save on monthly premiums and out-of-pocket costs:
1. Qualify for ACA Subsidies (Premium Tax Credits)
Most South Carolinians qualify for federal subsidies if they earn up to 400% of the federal poverty level.
- Example: A single person making under ~$58,000/year could qualify
- You can check eligibility instantly on HealthCare.gov or via a broker
Subsidies can reduce premiums to under $50/month, sometimes to $0.
2. Choose a High-Deductible Health Plan (HDHP)
If you’re generally healthy, a Bronze-tier or catastrophic plan can lower your monthly premiums, though you’ll pay more out-of-pocket when you need care.
Pair with an HSA (Health Savings Account) to get tax benefits while saving for healthcare expenses.
3. Check for Medicaid or CHIP Eligibility
Low-income individuals or families may qualify for:
- Medicaid (based on income + household size)
- CHIP (for children)
South Carolina has not expanded Medicaid under the ACA, so eligibility is stricter compared to other states, but it’s still worth checking.
4. Work with a Licensed Health Insurance Broker
Brokers like AHiX can:
- Help you compare both ACA and private plans
- Assist with subsidy applications
- Find hidden savings based on your situation
Get a Personalized Health Insurance Quote in South Carolina
Health insurance costs in South Carolina vary widely by zip code, age, income, and household size — the best way to find your actual rate is to get a personalized quote
While average premium estimates can be helpful, the only way to know your real monthly cost is by using a health insurance quote tool. Whether you’re looking for individual or family coverage, your premium may change based on:
- Your specific zip code in South Carolina
- Age and household size
- Annual income and subsidy eligibility
- Whether you’re applying on or off the federal exchange
A licensed broker or platform like AHiX can help you:
- Compare ACA-compliant and private plans side-by-side
- Check your eligibility for tax credits or Medicaid
- Get matched with affordable health plans based on your needs
FAQs
1. Why do health insurance rates vary by zip code in South Carolina?
Health insurance premiums can differ from one South Carolina zip code to another due to variations in local healthcare costs, provider networks, and insurer competition. Urban areas like Charleston may have higher premiums than rural counties with fewer hospitals or specialists.
2. What income qualifies for ACA subsidies in South Carolina?
In 2025, individuals earning up to about $58,000 or a family of four earning up to $120,000 may qualify for ACA subsidies in South Carolina. The exact limits depend on your household size and annual Modified Adjusted Gross Income (MAGI).
3. Can students get affordable health insurance in South Carolina?
Yes, full-time college students in South Carolina can access affordable coverage through their school, a parent’s plan (if under 26), or the ACA Marketplace. Many qualify for low-cost or even free plans based on part-time income or dependency status.
4. Is health insurance required in South Carolina?
No, South Carolina does not have a state-level individual mandate. You’re not legally required to carry health insurance, but going without coverage can lead to major out-of-pocket costs in case of emergency care or chronic conditions.
5. Are dental and vision plans included in health insurance in SC?
Typically, ACA plans in South Carolina do not include adult dental or vision coverage. However, you can purchase standalone plans through private insurers or platforms like AHiX to add these benefits affordably.
6. How can seniors under 65 find health insurance in South Carolina?
If you’re under 65 and not yet eligible for Medicare, you can apply for an ACA plan or consider short-term coverage. Early retirees often qualify for subsidized Marketplace plans based on income, especially if they’re no longer receiving employer coverage.
7. What’s the best way to compare health insurance plans in SC?
The most efficient way is to use a licensed health insurance broker or a comparison platform like AHiX. These tools let you compare premiums, deductibles, provider networks, and subsidy eligibility all in one place, saving you time and money.
8. Can I change my health insurance plan mid-year in South Carolina?
Yes, but only if you qualify for a Special Enrollment Period (SEP). Common triggers include losing employer coverage, moving to a new zip code, getting married, or having a baby. Without SEP eligibility, you must wait for Open Enrollment.
9. How do I apply for health insurance in South Carolina?
You can apply through the federal marketplace at HealthCare.gov, a licensed insurance broker, or a private platform like AHiX. Make sure to apply during Open Enrollment or after a qualifying life event to avoid delays in coverage.
