If you live in South Carolina and don’t get health insurance through your job, you’re probably wondering, Can I buy health insurance on my own? The good news is, yes, you absolutely can. Whether you’re self-employed, between jobs, working part-time, or simply want more control over your coverage, South Carolina offers several individual health insurance options that you can purchase independently.
This blog is your complete guide to understanding how to buy individual health insurance in South Carolina without employer coverage. We’ll explore who needs it, what your options are, how to apply, what it costs, and answer common questions, without any confusion or fluff.
Who Needs to Buy Health Insurance on Their Own?
Many people in South Carolina buy health insurance independently, and it’s more common than you might think. You may need to buy your own plan if you fall into any of these groups:
- Self-employed or freelancers who don’t receive employer benefits.
- Part-time workers whose jobs don’t offer health coverage.
- Unemployed individuals who no longer qualify for a former employer’s plan.
- Early retirees are not yet eligible for Medicare.
- Students or young adults aging out of parental coverage.
If any of these situations apply to you, an individual health insurance plan might be the best way to ensure you’re protected against unexpected medical costs.
Your Health Insurance Options in South Carolina
South Carolina residents have several options when it comes to buying individual health insurance. Each type of plan offers different benefits depending on your needs, income, and health status.
1. ACA Marketplace Plans
The Affordable Care Act (ACA) marketplace is one of the most popular ways to get coverage. These plans are available through HealthCare.gov and offer:
- Coverage for essential health benefits
- Guaranteed acceptance (no denial for pre-existing conditions)
- Subsidies and tax credits to reduce monthly costs based on income
If your income qualifies, you may be able to significantly lower your premium or out-of-pocket costs. Most people who buy individual health insurance through the ACA in South Carolina receive some form of financial help.
2. Private Health Insurance
You can also buy private insurance directly from insurance companies or through brokers. These plans are not part of the ACA exchange and may offer more flexibility in terms of providers or plan types. However, they typically don’t include income-based subsidies.
Private insurance is ideal if:
- You want a specific provider network not available through the ACA
- You don’t qualify for subsidies but want more options
3. Medicaid (if eligible)
South Carolina offers Medicaid for individuals and families with very low incomes. Eligibility is based on income and household size. While the state hasn’t expanded Medicaid fully under the ACA, many still qualify.
Medicaid provides:
- Low or no-cost health coverage
- Comprehensive services including doctor visits, hospital care, and more
You can check eligibility and apply at SC Thrive or through the state’s Department of Health and Human Services.
4. Short-Term Health Insurance
Short-term plans are temporary policies meant to fill coverage gaps. They’re not ACA-compliant and don’t include the same protections (like pre-existing condition coverage), but they may be an affordable stopgap.
Consider short-term plans only if:
- You missed Open Enrollment and don’t qualify for a Special Enrollment Period
- You need coverage for just a few months
How to Apply for Health Insurance on Your Own in SC
Applying for individual health insurance in South Carolina is easier than you might expect. Here’s a simple step-by-step guide:
- Know Your Enrollment Period
- Open Enrollment: Runs from November 1 to January 15 annually
- Special Enrollment: Available if you’ve had a qualifying life event (like job loss, moving, or getting married)
- Compare Plans and Prices
- Visit AHIX to compare ACA and private health insurance plans in South Carolina. AHiX is a licensed marketplace and insurance provider.
- Explore plans side-by-side based on premiums, deductibles, provider networks, and subsidy eligibility
- Our licensed experts can help you select the best individual health coverage for your needs
- Check Subsidy Eligibility
- Most people qualify for premium tax credits
- Use the subsidy calculator on HealthCare.gov to estimate savings
- Gather Documentation
- Proof of income
- Social Security number
- Proof of SC residency (like a utility bill or lease)
- Submit Your Application
- Complete your application online, through a broker, or with a local navigator for free assistance
What Does Individual Health Insurance in South Carolina Cost?
The cost of individual health insurance in South Carolina depends on factors like your age, income, household size, and the plan tier you choose.
Here are rough monthly premium estimates for a 40-year-old individual (before subsidies):
- Bronze Plan: $300–$350
- Silver Plan: $400–$450
- Gold Plan: $500–$550
With subsidies, many people pay significantly less. Some low-income individuals may pay less than $100 per month or even $0 for certain plans.
In addition to monthly premiums, be sure to factor in:
- Deductibles: The amount you pay before insurance kicks in
- Copays/Coinsurance: Your share of costs after the deductible
- Out-of-pocket maximums: The most you’ll pay in a year
FAQs About Buying Health Insurance on Your Own in South Carolina
1. Can I get health insurance if I’m unemployed in South Carolina?
Yes, you can. If you’re unemployed, you may still qualify for an Affordable Care Act (ACA) marketplace plan, often with subsidies that lower your monthly premium. Additionally, if your income is low enough, you may be eligible for Medicaid. Losing job-based insurance qualifies you for a Special Enrollment Period, which means you don’t have to wait for the annual enrollment window to apply.
2. Is private health insurance better than ACA plans in South Carolina?
It depends on your financial situation and healthcare needs. ACA plans offer standardized coverage and subsidies for eligible individuals, which can significantly reduce costs. Private plans, on the other hand, may offer more flexible networks or benefits but don’t include government subsidies. They may be a better fit for those who want specific provider access or don’t qualify for financial aid.
3. Can I buy health insurance outside of Open Enrollment in SC?
Yes, but only under certain conditions. You need to experience a qualifying life event—such as losing your job, moving to a new area, getting married, or having a child—to be eligible for a Special Enrollment Period. Otherwise, you’ll need to wait until Open Enrollment begins on November 1. Alternatively, short-term health plans can offer temporary coverage but lack ACA protections.
4. What documents do I need to apply for health insurance in SC?
To apply for an individual health insurance plan in South Carolina, you’ll typically need:
- Proof of income (such as pay stubs or tax returns)
- Social Security numbers for all applicants
- Proof of South Carolina residency (like a utility bill or lease agreement)
- Information on any current health coverage you have
5. Is there financial help available when buying health insurance on my own?
Yes. Most people who apply through the ACA marketplace qualify for premium tax credits that reduce monthly costs. If your income is between 100% and 400% of the federal poverty level, you’re likely eligible. Additionally, cost-sharing reductions may lower your deductibles and out-of-pocket expenses if you select a Silver plan.
6. What happens if I miss the Open Enrollment period?
If you don’t qualify for a Special Enrollment Period and miss Open Enrollment, you won’t be able to enroll in an ACA plan until the next enrollment period unless you opt for a short-term health insurance plan. These are not ideal for long-term coverage but can offer basic protection in the meantime.
7. Can self-employed people get affordable health insurance in SC?
Absolutely. Self-employed individuals in South Carolina can apply for ACA plans and are eligible for the same subsidies as everyone else, depending on income. Many self-employed workers qualify for tax credits that lower premiums and even cost-sharing reductions.
8. Are there penalties for not having health insurance in South Carolina?
As of now, there is no state or federal penalty for being uninsured in South Carolina. However, going without insurance can leave you financially vulnerable in the event of an unexpected medical issue.
9. How soon does coverage begin after applying?
If you enroll during Open Enrollment or a Special Enrollment Period, your coverage typically begins on the first day of the following month after your application is approved. For example, if you apply in November, coverage may begin on December 1.
Final Thoughts
Yes, you can buy health insurance on your own in South Carolina. Whether you’re self-employed, between jobs, or just looking for better options, there are plans available that fit your needs and budget.
At AHiX, we make it easy to find and enroll in the right health plan. We’re a trusted marketplace offering both ACA and private insurance options—all in one place.
Thousands across South Carolina trust AHIX for quick, simple, and affordable coverage. Now it’s your turn—compare plans today and get covered with confidence.
