ACA Health Insurance Plans
Compare your ACA marketplace options with an independent broker
Why ACA
Coverage built for real life
No denial for pre-existing conditions
Every ACA marketplace plan must accept you regardless of your medical history. There are no medical questions on the application and no condition exclusions.
Subsidies most people qualify for
Premium tax credits and cost-sharing reductions can dramatically lower your monthly cost — sometimes to nothing — and under rules extended through 2026, that holds even at middle-class incomes.
Every essential benefit covered
Every plan covers the 10 essential health benefits, including hospital care, prescriptions, mental health, maternity, and preventive care.
What every ACA plan must cover
The Affordable Care Act marketplace is a government-run exchange where individuals and families shop for health insurance. Most states, including South Carolina, use the federal marketplace at healthcare.gov.
Every plan sold on the marketplace is required to cover the same set of essential health benefits, so you can compare plans on price and network instead of worrying about gaps in coverage.
- Hospital and emergency care
- Prescription drug coverage
- Maternity and pediatric care
- Mental health and substance abuse treatment
- Preventive care at no extra cost-share
- Lab work, rehab, and chronic disease management
Subsidies that actually lower your cost
Most people who buy ACA coverage qualify for financial help. Premium tax credits lower your monthly payment based on your projected household income, and under enhanced rules extended through 2026, there's no hard upper income cutoff. Middle-income households often qualify for real savings too.
If your income is below 250% of the federal poverty level and you choose a Silver plan, you may also qualify for cost-sharing reductions. CSRs lower your deductibles, copays, and out-of-pocket maximum, so your Silver plan ends up performing more like a Gold plan at a Silver price.
Compare your options
Metal tiers explained
| Bronze | Silver | Gold | |
|---|---|---|---|
| Plan pays | ~60% | ~70% | ~80% |
| You pay | ~40% | ~30% | ~20% |
| Monthly premium | Lowest | Moderate | Higher |
| Well-suited for | Healthy, rarely uses care | Most people, especially with CSRs | Regular medical needs |
Self-service option · HealthSherpa
Quote and enroll on HealthSherpa yourself
Already know what you need? You can shop every ACA plan in your zip, run your subsidy estimate, and enroll directly through HealthSherpa using our agent link. We stay your broker of record, so you can still call us for plan changes, life events, or claim questions any time of year.
Not sure where to start? Most folks save real money by letting us walk through network, prescriptions, and subsidies first. There's no extra cost either way.
- Compare every Bronze, Silver, and Gold plan in your area
- Subsidy calculator built in — see your actual monthly cost
- Enroll year-round during a Special Enrollment Period if you qualify
Opens HealthSherpa's enrollment portal in a new tab. The link is tied to our agent attribution, so we stay your broker of record at no extra cost.
When you can enroll
ACA enrollment windows
Nov 1 – Dec 15
Enroll for Jan 1 coverage
Open enrollment opens Nov 1. Enroll by Dec 15 to have coverage starting January 1.
Anytime
Special Enrollment Period
A qualifying life event like losing job coverage, getting married, having a baby, or moving opens a 60-day window outside open enrollment.
Related coverage
Other ways we can help
Individual Health Insurance
All your coverage options if you don't have employer health insurance.
Learn moreSelf-Employed Plans
ACA, ICHRA, and tax-advantaged options for freelancers and contractors.
Learn moreShort-Term Coverage
Bridge a coverage gap with a fast-approval policy starting as soon as tomorrow.
Learn more
Testimonials
What Our Clients Say
Real people. Real guidance. Real peace of mind.
I can't say enough nice things about Will Murdock and the hours he's spent helping me find the best plan. He sat on hold listening to elevator music for hours getting all the kinks worked out with my Medicare and Medicaid.
Stacey R.
Medicare client · South Carolina
I was looking for new health insurance and ended up with dental and vision too. Will offered different plans that worked for my budget. Finding insurance isn't always easy, but they made it simple.
Brittany P.
Individual & supplemental plan member · South Carolina
Sherri is incredible. In the 12 years I've handled our company's insurance, we were only ever offered the same two paths. She gave us options no previous agent had ever mentioned, worked directly with each employee, and answered every question.
Jill C.
Group benefits decision-maker · South Carolina
Kearah saved my sanity. She helped me navigate a very uncertain period of getting solid coverage — she was on every call with me and even did footwork on my behalf. I'll be calling her for life insurance next.
ILONA
Health & life client · South Carolina
Brandon is a wealth of information. He's personable, easy to talk to, and made the crazy world of Medicare make sense. He's my recommendation for friends and family getting ready to become eligible.
Matt L.
New Medicare enrollee · South Carolina
Sherri reached out to the Chamber to discuss our health plan and found us a plan with a wider range of benefits. Her knowledge of the health insurance market is remarkable, and her customer service is exceptional.
Irmo Chamber of Commerce
Member organisation · Irmo, SC
Brandon is super compassionate with older folks. He guided my mom through her Medicare open enrollment so smoothly. Thanks, Brandon.
Melissa F.
Family caregiver · South Carolina
As a self-employed small business owner, I'd always carried high deductibles and minimal coverage to make insurance work. Sherri found my family a plan with real coverage and was patient with every question I had.
Victoria A.
Self-employed plan member · South Carolina
The owner and employees were extremely knowledgeable in finding us insurance options. Sherri explained everything and answered every question. Kristian was professional and never made me feel like a burden — he was happy to help.
Allison H.
Long-time client · South Carolina
Andrew is amazing at serving his clients. He cares for them from the beginning to the end of the process. I'd recommend him to anyone looking to add health or life insurance.
Joy H.
Health & life client · South Carolina
Individual & family carriers
Our Brokerage Partners
Blue Cross Blue Shield
Ambetter
Molina
UnitedHealthcare
Got Questions?
Frequently Asked Questions
Have a question not listed here? Get in touch.
Most states use the federal marketplace at healthcare.gov. You can apply online, by phone, or through a licensed broker at no extra cost. Open enrollment runs November 1 through January 15 each year.
Under the enhanced subsidy rules in effect through 2026, there's no hard upper income cutoff for premium tax credits. Many middle-income households qualify, and the only way to know for sure is to run your numbers. We'll check it for you in a few minutes.
Open enrollment runs November 1 through January 15. Coverage starting January 1 requires enrollment by December 15.
It depends on your income, household size, and the plan you choose — and after premium tax credits, the after-subsidy cost is often a fraction of the sticker price. Some households qualify for a free Bronze plan. The only way to know your real cost is to check your subsidy eligibility against actual plans in your area.
See Your ACA Options in SC
We'll compare every available ACA plan in your area and make sure you're capturing every subsidy dollar.