Health Solutions Team offers all major medical carriers under the Affordable Care Act (ACA). This includes carriers both on the Marketplace Exchange and off the Exchange. We offer individual plans, as well as employer group plans if needed. A few examples of the carriers we offer include Aetna, Humana, Blue Cross Blue Shield, United Healthcare, Molina, Advent Health, Bright Health, and more.

Yes, our Health Insurance Agency in Charleston SC offers vision insurance with no waiting periods. We will find an affordable plan suited to your needs, with plans starting as low as $9.00 per month. With next day start dates and individual or employer group plans available, you can rest assured we have a plan that is best for you. Many of our carriers offer multiple plan levels, so finding the best fit is easy and helpful. We encourage you to visit our website for self-enrollment when you’re ready. Contact us with any questions!

We’re dedicated to helping not only families and businesses find health insurance, but also self-employed professionals that have unique needs and risks associated with their jobs. We can help self-employed workers find dental, vision, life, long-term care, and many other types of coverage for short-term periods or long-term periods at fixed rates. No deductibles!

We encounter folks who can’t afford major health insurance all the time. In fact, many of our clients can afford it, but simply don’t need major medical health insurance. For that reason, we offer short-term medical health insurance plans available for as little as 1 month and as long as 3 consecutive years. We even offer fixed premiums for clients if you are interested. Let’s talk today about what kind of plan is right for you!

We offer Health Insurance plans in Charleston SC for most major carriers and many smaller ones as well. A few carriers we represent include Blue Cross Blue Shield, Aetna, Cigna, Humana, Ameritas, Advent Health, TransAmerica, and more. Visit our homepage for a more complete list of carriers that we represent.

Absolutely! At the Health Solutions Team, we offer dental plans with next day start dates, so you can get can keep your pearly whites shining bright. Our plans are 100% preventative and include no copays, no deductibles, and no waiting periods. This is dental insurance done right and coverage that pays for itself! Pay only for what you need. We also offer extra in-network discounts, because saving money feels almost as good as a cavity-free mouth. Need health insurance agency in Charleston SC that offers employer plans? We’ve got you covered! Self-enroll through our website or contact us today for a quote.

Yes, we most certainly do. We used a customized approach to meet both employer and employee needs by comparing all major insurance carriers in addition to smaller carriers to find a plan that works best for you. Whether you’re looking for voluntary benefits, HSA’s, supplemental plans, or self-funded plans, we can help with no risk for small businesses. What’s more, we will do all the heavy lifting like onboarding and admin services to make your life easier, so you can focus on running your business.

The Affordable Care Act (ACA) made premium tax credits available to people purchasing health coverage on the Marketplaces, but generally only when their incomes fall between 100% and 400% of the federal poverty level. These subsidies work by capping what an enrollee must spend on a silver benchmark plan premium at no more than a certain percentage of the enrollee’s household income. The premium tax credit amount equals the difference between the actual benchmark plan premium for that individual and the required contribution. The tax credit can be applied to any metal level plan.

However, a sharp cliff exists at 400% of the poverty level. Under the ACA before any legislative changes, a 60-year-old making $50,000 per year (392% of poverty) would pay no more than $410 per month for a benchmark silver plan (9.83% of her income, after receiving an average subsidy of $548 per month). However, if her income crossed above $51,040 per year (400% of poverty), health insurance would become much more expensive. For example, at an income of $52,000 per year (408% of poverty), a 60-year-old would pay the full-priced premium, which, for a benchmark silver plan, averages $957 per month nationwide (22% of her income). This doubling of the premium payment for people with incomes just over 400% of poverty has been called the “subsidy cliff,” as shown in the blue line in Figure 1 below.

Additionally, there are millions of uninsured people who could be getting subsidized coverage on the ACA Marketplaces, but have not taken advantage of this financial help. In many cases, it may be that the financial help available to them is not sufficient to make the premium or the deductible affordable.

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