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health insurance agent in Charleston
Trying to find the right health insurance plan for you or your family can be a complex, often difficult task. Just trying to find the best carrier can be stressful and confusing on its own. That is why the Health Insurance Solutions was founded - to take the stress and confusion out of the health insurance process. Our goal is to help hardworking men and women find the best protection for their unique needs.
Unlike some health insurance brokers, we make every effort to learn about the kind of health insurance you really need. When you speak with an agent from The Health Insurance Solutions, know that we will never try to upsell you on a plan that you can't afford. Instead, your knowledgeable, helpful health insurance agent in Charleston will help you navigate the uncertain waters of the health insurance world. Once we understand the health insurance plan you need, we will explore your options. That way, you can leave our conversation feeling informed about your health insurance options and confident that you are making the best choice possible.
We are proud to have served people just like yourself for more than 15 years at the Health Insurance Solutions. We have helped countless individuals, families, and business owners find the coverage they need at a price that won't send them into bankruptcy. If you know that you need health insurance but don't know how to start or what to look for, we've got good news - you're in the right place.
Do You Really Need Health Insurance?
Before we talk about the solutions that our health insurance broker in Charleston provides, we should address the elephant in the room. Everyone regardless of age or health, can benefit from a health insurance plan. Even the healthiest of people want to maintain their health and have protection in the event of a catastrophe. One of the best ways to stay healthy and plan for unexpected events is to visit your doctor for an annual check-up. When you have a health insurance plan, these visits are often fully covered by your insurance carrier when you choose an in-network doctor. Without health insurance, you will be responsible for the full cost of any medical care - even routine check-ups with your primary care physician. If something horrible happens, and you don't have health insurance, you may have to pay the full amount for the emergency care you receive. Even young, healthy individuals can benefit from the right health plan. After all, nobody plans on getting sick or injured, but bad things can happen to anyone. Something unexpected like a broken leg can cost more than $7,000 to treat when you don't have coverage. A three-day stay in a hospital can cost upwards of $30,000. That can be an incredible amount of money to pay out of pocket. Having a health insurance plan set in place can help you get quality care at a much more affordable price, especially if something unforeseen happens.

Who We Serve
At the Health Insurance Solutions, our mission is to educate and empower our clients so that they can get the best access to medical care possible. Because everyone has their own unique set of needs when it comes to health plans, we serve a wide range of clients.
Individuals
Individual plans, also called personal health plans, are health insurance policies that you can purchase solely for yourself. When you work with Health Insurance Solutions, your health insurance agent in Charleston will go over your health plan options and help find the best fit for your needs. Individual health plans are not tied to your employer, so you can make a career change without having to worry about losing your health insurance. For individual plans, we offer major medical, short-term, and fixed benefit plans that include life, dental, vision, and other coverage options.
Families
Finding the right health plan for your family can be a real challenge, but our experienced health insurance agents are here to help. We understand that not all members of your family will have the same needs. To help your family get the best coverage possible, we search for custom plans that will meet each of your family members' needs. Whether you're looking for major medical coverage or fixed-benefit plans with no deductibles, our experts are here to serve you. Common coverage options include vision, dental, life, STD and LTD, long-term care, and more.

Self-Employed
Entrepreneurs have their own set of needs in terms of health plans and how much they can afford to spend on coverage. Once thought of as a small percentage of the workforce, 57 million Americans freelanced in 2019 alone, according to the Upwork and Freelancers Union. If you are a consultant, independent contractor, or freelancer, the Health Insurance Solutions will find a plan that caters to your current needs and future endeavors. Common health insurance plans for self-employed people include vision, life, dental, and stand-alone prescription coverage. We also offer major medical, supplemental, short-term, and fixed-benefit plans at a range of prices that you can afford.

Small Business
Offering health insurance to your employees is one of the best ways to keep your team happy and attract diligent workers to your company. If you are a business owner who wants to provide health insurance to your employees but cannot do so because the cost of benefits is too high, worry not. Our experienced health insurance agents will work directly with your employees to help them find the coverage they can afford. We also offer hybrid plans that can be customized so that both you and your employee's needs are met. Whether you need a major medical package or voluntary benefits only, the Health Insurance Solutions has got you covered. Common small business health insurance plans include life, LTC, medical, vision, 401K administration, and dental insurance.

Travelers
If you travel regularly for business or pleasure, it pays to plan ahead and protect yourself. Because unexpected events happen all the time, you could lose a lot of money if your business trip or vacation is canceled at the last minute. Situations like this can be particularly concerning on international business trips and on long vacations. Whether you get sick before your trip or have valuables within your baggage stolen, traveler's insurance can help minimize expensive cancelation fees and costs.
Most Popular Types of Coverage
Figuring out the kind of insurance you need is a crucial part of the health insurance process. Do you have a prescription for eyeglasses or contacts? Do you have a condition that requires you to visit the doctor on a regular basis? Health insurance plans change depending on what you need. At the Health Insurance Solutions, we will provide you with a trusted health insurance agent in Charleston to help you choose the best plan for your budget.
Here are a few of the most popular types of coverage that our clients ask about:
Major Medical
This type of insurance covers minimum essential benefits and meets the standards of the ACA for family and individual coverage. Major medical insurance is a fantastic option to choose if you want to be sure all of your medical expenses are covered. Major medical plans usually cover ten essential benefits:
- Outpatient Procedures or Ambulatory Care
- Hospitalization
- Check-Ups and Preventative Care
- Prescription Medications
- Emergency Services
- Pediatric Care Services
- Laboratory Services
- Newborn and Maternity Care
- Addiction Counseling and Mental Health Care Services
If your goal is to cover a full range of care, major medical plans are often the best choice. We recommend you contact our office today to learn more about the major medical plan options available to you. As a licensed, private health insurance broker in Charleston you do not need to wait until Open Enrollment to protect yourself with a major medical insurance plan.


DENTAL
From basic cleanings to complex procedures like root canals, dental work can be awfully expensive. When you have dental insurance, you will have peace of mind knowing that you won't have to pay for your procedure out of pocket. In general, a quality dental insurance policy will cover some or all of the following:
- Routine cleanings and checkups (copay may be required)
- X-Rays
- Filling Cavities
- Bridges, Implants, and Crowns
- Root Canals and Repair Work
- Emergency Services Oral Surgery, etc.)
It should be noted that some types of dental equipment and services may be covered at higher levels of coverage. While preventative work like cleanings is typically covered, some procedures require out-of-pocket costs.
VISION
Usually purchased as an addition to your medical insurance, vision insurance helps cut back on costs associated with eye care Like dental insurance, vision insurance is great if you know that you will regularly visit the eye doctor or just want to protect yourself for a "worst case scenario." In general, a quality vision plan will cover some or all of the following:
- Routine Eye Exams
- Medical Eye Care
- Vision Correction Products (Eyeglasses, contacts, etc.)
- Surgeries for Vision Correction (LASIK, etc.)
It should be noted that not all types of vision insurance will cover medical issues related to eye care. For instance, if your optometrist discovers a medical problem during your eye exam, they may refer you to a different doctor. While vision insurance may not cover all eye-related medical services, major medical health insurance often does.


LONG-TERM CARE
It might be hard to imagine at this stage of your life, but as you age, there is a chance that you will need long-term care services. The question is, how will you or your loved ones pay for this kind of care? Many people choose to eliminate the burden of senior care by purchasing long-term care insurance. Services like meal preparation, medication assistance, and help with day-to-day activities like bathing are not covered by regular health insurance plans. Long-term care insurance will help you or your children lessen the expense of care when you have chronic medical conditions, dementia, or disabilities. When you speak to one of our health insurance agents, ask if you can purchase a policy that reimburses you when you receive care in the following locations:
- Routine cleanings and checkups (copay may be required)
- In a nursing home
- In your own home
- In an assisted living center
- At a long-term residential senior facility
Expert Help Is Only a Phone Call Away
We call ourselves the Health Insurance Solutions because we are committed to finding you the best, most affordable options for your health insurance needs. We work with all the major insurance carriers, such as:
- Aetna
- Advent Health
- United Healthcare
- National General
- Humana
- Transamerica
- Many More
Unlike some health insurance brokers who only care about making a sale, we don't view you as a financial transaction. We believe that serving others never goes out of style. That's why we prefer to educate you on your health coverage options so that you can make an informed decision. As your health insurance agent in Charleston, we would be honored to help you seek out a plan that is the perfect fit for your life. You will receive the same excellent level of service whether you are a business owner with employees or a single individual.
When you're ready to protect yourself and your family with quality health insurance, we will be here to help guide you along the way. Contact us today so that we may discover your insurance needs and provide you with a quality insurance solution that will give you peace of mind for years to come.

Call us 843-364-9155 for a complimentary consultation and evaluation of your healthcare coverage.
Latest News in Charleston, SC
The Business Narrative: Airport Connector Road Project In Charleston, SC, Receives Key Environmental Approval
August Spencerhttps://www.greenvillebusinessmag.com/2025/04/21/529650/the-business-narrative-airport-connector-road-project-in-charleston-sc-receives-key-environmental-approval
Airport Connector Road Project In Charleston, SC, Receives Key Environmental Approval(123rf.com Image)Charleston County’s Airport Connector Road project has received a Finding of No Significant Impact (FONSI) determination from the Fede...
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Concert Countdown: We've got the best May concerts to attend in Charleston
Kalyn Oyer koyer@postandcourier.comhttps://www.postandcourier.com/charleston_scene/music/may-concerts-charleston-sc-sturgill-simpson-alice-cooper/article_bd927d7c-d2c1-4611-a8d5-62b7befa4a08.html
Your May concert countdown is here, looking ahead at some of the best shows coming to Charleston this month. We've got quite the mix, and now that the weather has warmed up the outdoor venues around town are in full swing as well.And because outdoor venues are so tapped in this month, I'm including some clusters below for you to pick from all the stellar shows happening at particular venues, like The Windjammer and Credit One Stadium.Don't forget to slather on that sunscreen when you head to an outdoor show (trust me, I've lear...
Your May concert countdown is here, looking ahead at some of the best shows coming to Charleston this month. We've got quite the mix, and now that the weather has warmed up the outdoor venues around town are in full swing as well.
And because outdoor venues are so tapped in this month, I'm including some clusters below for you to pick from all the stellar shows happening at particular venues, like The Windjammer and Credit One Stadium.
Don't forget to slather on that sunscreen when you head to an outdoor show (trust me, I've learned the hard way)!
Windjammer shows (including Mark Bryan)
What: May is a packed month at The Windjammer, with so many bands to highlight playing the NUTRL Beach Stage. I'll give a shout out to a few here: Yonder Mountain String Band, Brent Cobb, Everclear, Leftover Salmon, Vincent Mason, GoldFord, two nights of Corey Smith, two nights of Umphrey's McGee, two nights of Futurebirds and two nights of Stoplight Observations.
Among the stellar lineup is also Hootie & The Blowfish's own Mark Bryan, a Charleston local who has released three solo albums beyond his Hootie years. I'll include those details below, but check out the general website for all the details on the others.
When: Doors at 6 p.m. May 3
Where: The Windjammer, 1008 Ocean Blvd., Isle of Palms
Price: $20 advance, $25 day of show
More Info: the-windjammer.com/event/mark-bryan
Credit One Stadium shows (including Sturgill Simpson)
What: It's a busy month at Credit One Stadium following a successful tennis tournament at the venue in April. This month, you can snag tickets to see the following artists there: Cody Johnson & Friends, Hank Williams Jr., two nights of Widespread Panic and Keith Urban.
Also on the list is Sturgill Simpson, known in the contemporary country music world for his traditional sound and introspective lyrics.
O2 Fitness in West Ashley surprises members with 'disappointing' news about closure
Teri Errico Griffishttps://www.postandcourier.com/business/retail/o2-fitness-gym-west-ashley-close/article_0ae362bd-7e44-4cc0-9f03-9e11ee418645.html
A West Ashley gym will power down for good next month, leaving customers crushed.O2 Fitness at 1119 Wappoo Road sent an email to members at 2 p.m. April 18, stating, "our lease terminates at the end of May and we have been unable to find a path forward to maintain."The final day is May 31 with the closure time scheduled for 7 p.m.The gym anchors the Ashley Oaks Plaza, situated in the middle of a grou...
A West Ashley gym will power down for good next month, leaving customers crushed.
O2 Fitness at 1119 Wappoo Road sent an email to members at 2 p.m. April 18, stating, "our lease terminates at the end of May and we have been unable to find a path forward to maintain."
The final day is May 31 with the closure time scheduled for 7 p.m.
The gym anchors the Ashley Oaks Plaza, situated in the middle of a group of tenants that include West Ashley Hardware/TrueValue, Los Reyes Mexican Restaurant, Kings Sushi, Lavish Nail Salon, Ultratan and newly added Sharkey’s Cuts for Kids.
"As a local company born and raised in the Carolinas, with roots in Charleston going back 25 years, this is a disappointing situation," the email said.
The Raleigh-based fitness chain first opened the West Ashley location in January 2019.
The gym was one of three workout centers, including Daniel Island and Moncks Corner, to replace existing facilities O2 inherited after its purchase of the former East Shore Athletic Club's Charleston-area operations in 2013.
"These three upgrades, along with the addition of our beautiful James Island club late last year, help showcase our commitment to providing the Charleston-area with first-class fitness facilities,” O2 Fitness founder and CEO Michael Olander previously told The Post and Courier.
Memberships to the West Ashley location remain active at O2 Fitness on Folly Road, with no action required, the company said.
The chain operates 19 fitness centers, mostly in North Carolina.
Kardea Brown's Southern Kitchen restaurant at Charleston International airport opens soon
Megan Fernandeshttps://www.postandcourier.com/business/tourism/charleston-international-airport-kardea-brown-chef/article_89660a68-8dd5-4875-9f55-bcef11d8e839.html
A new restaurant run by a locally based celebrity chef is preparing to touch down at Charleston International.When visitors to the airport's Kardea Brown's Southern Kitchen sit down for "contemporary Lowcountry cuisine," Food Network chef Kardea Brown wants them to feel like family.A sign that reads "Hey cousins...
A new restaurant run by a locally based celebrity chef is preparing to touch down at Charleston International.
When visitors to the airport's Kardea Brown's Southern Kitchen sit down for "contemporary Lowcountry cuisine," Food Network chef Kardea Brown wants them to feel like family.
A sign that reads "Hey cousins!" was installed above the bar in the space that previously housed Jack Nicklaus Golden Bear Grill. Brown says fans of her shows or cookbooks will likely recognize the menu selections.
She's the host of "Delicious Miss Brown" and is known for known for her regional Gullah-inspired cuisine.
Brown was scheduled to hold a soft opening April 19 at CHS. A grand opening is planned for May 15.
The restaurant is part of a $6 million investment that airport concessionaire Delaware North plans to make in its latest shakeup of dining options.
Brown was onsite the week of April 14 to train staff and put the finishing touches on the space.
"As a Charleston girl born and raised, it's just a dream come true to have a restaurant named after me in the Charleston airport," she said.
Now on tour
A company that describes itself as the nation's largest operator of themed sightseeing vehicles has brought its Old Town Trolley Tours to Charleston.
Historic Tours of America Inc. launched operations in the Holy City earlier this month.
Old Town offers a 100-minute live narrated tour with two photo stops at the Battery and Hampton Park. The outings depart daily from the Charleston Visitor Center at 375 Meeting St. from 9 a.m. to 3:30 p.m.
The itineraries covers points of interest, including Rainbow Row, The Citadel, the Old Exchange, Broad Street, Liberty Square, the Powder Magazine, the Old Slave Mart Museum and historic churches. Trips to the historic plantations at Boone Hall in Mount Pleasant and Magnolia in West Ashley also are available.
Ticket prices range from about $36 to $75, according to Historic Tours' website.
CEO Chris Belland said the Key West, Fla.-based company had wanted to expand for some time to Charleston, saying it's "a perfect destination with history, attractions, fascinating stories and fabulous people, which is what we look for when going into a city.”
The company also launched a Hometown pass program for Charleston County residents that offers a free admission with the purchase of an adult ticket.
Old Town operates tours in eight other cities.
Reach Megan Fernandes at mfernandes@postandcourier.com.
BermudAir lands at Charleston International, offering a first-of-its-kind nonstop
Megan Fernandes mfernandes@postandcourier.comhttps://www.postandcourier.com/business/tourism/charleston-sc-bermuda-bermudair-chs/article_608d82f6-e643-4c22-9d01-f21cf03eae62.html
Bermuda's pink-sand beaches are just a nonstop flight away for Lowcountry residents, now that BermudAir has launched its newests nonstop route."Ladies and Gentlemen, the first Bermuda flight to Charleston has just landed. We will be boarding shortly," an airline gate agent said over the airport's intercom as the direct flight from Bermuda touched down on the CHS runway April 19.It was followed by applause of passengers waiting to board....
Bermuda's pink-sand beaches are just a nonstop flight away for Lowcountry residents, now that BermudAir has launched its newests nonstop route.
"Ladies and Gentlemen, the first Bermuda flight to Charleston has just landed. We will be boarding shortly," an airline gate agent said over the airport's intercom as the direct flight from Bermuda touched down on the CHS runway April 19.
It was followed by applause of passengers waiting to board.
The excitement drew onlookers from nearby gates to the window to watch the plane marked with a colorful bright tail pull into gate A1. The pilots, still in the cockpit, waved at the crowd.
Fran Tucker Griffiths was among the group, waiting with her ticket and passport in hand to board. She lived in Bermuda for 38 years and raised her children on the island. To her, it's still home even though she spends most of her time in South Carolina now.
"The day they announced this flight, I booked it," Tucker Griffiths said. "I'm so excited. I've been waiting since 1982 for a nonstop route. We've had to fly Delta through Atlanta and make a whole day of it, but this two-hour flight saves us a day of travel."
She already has tickets booked for May and June trips.
"Bermuda has amazing golf and the most beautiful beaches and people. It's just a special place," Tucker Griffiths said.
The resort island's carrier will serve Charleston year-round with a once-weekly Saturday flight to and from L.F. Wade International Airport in the historic town of St. George.
The weekly flight departs CHS at 5:30 p.m. every Saturday and arrives in St. George's about two hours and 10 minutes later. The return leg will land around 4:45 p.m. every Saturday.
BermudAir took to the skies slightly over a year ago, with two Embraer ER-170 jets to serve three U.S. cities. Before the carrier hit its first anniversary, it had entered seven markets in North America. BermudAir now flies to 10 destinations in the U.S. and three in Canada.
BermudAir is the first carrier to be headquartered on the island, which is about 900 miles nearly due east of the South Carolina coastline.
CEO Adam D. Scott said year-round service is key to its goal of making Bermuda a destination for business and leisure travelers beyond being a summer destination.
"We're really pleased with the interest from both directions," Scott said.
Scott was on the inaugural CHS flight, which was more than 60 percent full. He said it's sometimes hard to anticipate how balanced the outbound and inbound traffic will be. He said seeing the balance from day one is "indicative of the demand in both markets."
"Charleston a great historic city with a lot of unique character, and so is Bermuda," Scott said.
More than 40 passengers deplaned at CHS, and another 30 boarded shortly after.
Among those landing in Charleston was a Daniel Island family returning from a spring break trip. Frank Pete and wife Katy and two children chose Bermuda as their vacation destination because they could take the BermudAir flight home.
"It was nice clearing customs in Bermuda, because it made flying back a breeze as if we were flying domestic," he said. "The experience was great. We enjoyed the stalagmite caves, beaches and cliff jumping on the trip."
While the once-weekly route is not ideal for those staying longer or less than a week, Scott, the CEO, said the goal is to move to a twice-weekly flight in the future if interest remains strong. He doesn't see it as a weakness in the meantime, since passengers can fly back to the U.S. with the carrier and get back to Charleston via a domestic connection. Alternatively, they can fly through another carrier, which also requires a connecting flight.
Bermuda is known as a vibrant, tropical and cosmopolitan getaway with blush-colored sand, coral reefs, historic sites and an international finance sector.
Travelers from Bermuda shared their favorite sights to see beyond the pink sand beaches it's most known for — like crystal caves, the historic town of St. George, Royal Naval Dockyard and other spots.
Charleston International CEO Elliott Summey said the schedule between the Lowcountry and Bermuda "marks a significant milestone for both regions" and promotes business and leisure travel between the two areas.
“This new route enhances our international connectivity and strengthens economic and cultural ties between the Lowcountry and the island," Summey said.
Debi Ray-Rivers is an example of that business demand. She's a Bermudian who just recently moved to Hilton Head Island full-time. She was on her way to Bermuda to manage her nonprofit and she has a return ticket booked for next week.
"I will be flying back and forth regularly, so I am very excited to have this convenient option," Ray-Rivers said.
Before BermudAir, she'd fly out from Savannah-Hilton Head International to a connecting flight in Atlanta.
"I hope people come visit Bermuda because of this route. We have the most beautiful island and it's an absolute gem in the middle of the Atlantic Ocean," Ray-Rivers added.
Beverly Connell, a Bermudian that lives in the Beaufort area, said the route saves her from the usual long layover in Atlanta or Charlotte airports.
"I couldn't believe there would ever be a direct flight to Bermuda from Charleston. The less airports you have to go through the better," Connell said.
Connell said the two pairings share much in common, with historic sites, beaches and big tourism industries.
"Bermuda is very unique in terms of its beauty, its people and culture rooted in English and Bermudian traditions," she said.
Reach Megan Fernandes at mfernandes@postandcourier.com.
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