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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 Isle of Palms 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 Isle of Palms 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.

Health Insurance Agency Isle Of Palms, SC

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 Isle of Palms 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.

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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.

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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.

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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.

 Health Insurance Agent Isle Of Palms, SC

Health Insurance Solutions for Individual and Family Health Insurance

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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 Isle of Palms 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 Isle of Palms you do not need to wait until Open Enrollment to protect yourself with a major medical insurance plan.

 Health Insurance Companies Isle Of Palms, SC
 Health Insurance Isle Of Palms, SC

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.

 Medical Insurance Isle Of Palms, SC
 Private Health Insurance Isle Of Palms, SC

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 Isle of Palms, 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.

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What Client Say About Us

Call us 843-364-9155 for a complimentary consultation and evaluation of your healthcare coverage.

Latest News in Isle of Palms, SC

Isle of Palms may reinstate seasonal parking pass amid backlash over price hikes

Isle of Palms looks to reinstate a seasonal parking pass following a rise in prices for off-island residents. April 11, 2025. (WCIV)ISLE OF PALMS, S.C. (WCIV) — A change in parking prices on Isle of Palms has upset many locals.Now, city leaders are considering bringing back a popular seasonal pass that was cut earlier this year.“Isle of Palms is definitely the beach that I prefer,” said Dillon Clyburn with his family.But going to the beach is getting more expensive for them.READ MO...

Isle of Palms looks to reinstate a seasonal parking pass following a rise in prices for off-island residents. April 11, 2025. (WCIV)

ISLE OF PALMS, S.C. (WCIV) — A change in parking prices on Isle of Palms has upset many locals.

Now, city leaders are considering bringing back a popular seasonal pass that was cut earlier this year.

“Isle of Palms is definitely the beach that I prefer,” said Dillon Clyburn with his family.

But going to the beach is getting more expensive for them.

READ MORE | "Isle of Palms approves parking fee hike, expects $400K in additional revenue."

Ahead of this beach season, Isle of Palms (IOP) got rid of its $60 summer parking pass for non-island residents.

“It just seems like they don't want the locals, the people that live in Mount Pleasant, Sullivans Island. surrounding Charleston areas to want to make it affordable for them to come over to their area and support their local businesses,” Clyburn, a Mount Pleasant resident, said.

Locals now have the option of buying a weekly pass for $100.

In January, IOP City Council raised parking rates for the first time in five years.

“The island is crowded during the summer months. It's very crowded. But we have to maintain the quality of our residential area on the island,” said Rusty Streetman, a city council member.

READ MORE | "Isle of Palms' new parking enforcement plan issues over 3K tickets in 4 months."

Still, Clyburn and other locals say these changes, on top of higher parking ticket fees, make them feel like the city is prioritizing tourists over neighbors.

“It's kind of pushing the residents of Charleston County and the greater Lowcountry out and making it more for the people that are coming in from out of state,” Clyburn explained.

Daily rates at the city’s parking lots also jumped to $15 during the week and $25 on the weekends.

Streetman said IOP leaders are now discussing bringing back a version of the seasonal passes.

“We think that we can take a few hundred, at least a few hundred parking passes, make that available for off-island residents who would like to purchase those,” he said.

Streetman hopes roughly 500 passes can be made but said they will be significantly more expensive than the old $60 option.

A reboot of the seasonal passes will go before the city council in May.

Isle of Palms cut its $60 seasonal parking pass. Instead, beachgoers can now park for $100 a week.

ISLE OF PALMS — City officials are rethinking some recent changes to parking rules as it heads into the first beach season with higher prices, namely the elimination of a seasonal parking pass that was popular with beachgoers of neighboring communities.But the decision to ditch the seasonal permit has been largely unpopular with off-island residents, prompting the city's ...

ISLE OF PALMS — City officials are rethinking some recent changes to parking rules as it heads into the first beach season with higher prices, namely the elimination of a seasonal parking pass that was popular with beachgoers of neighboring communities.

But the decision to ditch the seasonal permit has been largely unpopular with off-island residents, prompting the city's public safety committee to reconsider the change on April 9, so the pass may not be gone for good.

The Isle of Palms, up until this summer, set aside 500 seasonal beach parking passes that could be purchased for $60. Passholders had access to the two parking lots on Pavilion Drive, bypassing the $10-$15 a day charge in the summer months.

However, City Council voted earlier this year to change the city's parking rules and rates for the first time since 2020, which effectively eliminated the seasonal pass. Other notable changes included adding higher daily fees for the parking lot— up to $25 on weekends and holidays — and raising the hourly fee to $3 for on-street parking, a 50-cent bump.

Jean Legacki, who lives just over the Isle of Palms connector in Mount Pleasant, has purchased the seasonal parking pass for several years. She likes to get up early, head over the connector, and walk on the beach before both the heat and the crowds set in.

This summer will be different for Legacki.

Along with raising parking fees, the city opted to eliminate the seasonal $60 pass for non-residents based on a recommendation by PCI Municipal, the city's parking management vendor. The $60 passes were set aside for island employees to use.

In its place, a weekly pass for the same lots is available for $100.

The loss of seasonal passes and the increased price left some with sticker shock.

"I'm not going to pay $100 a week to park," Legacki said. "It's almost like they're trying to deter people from coming to the beach."

Also gone is the option to pay an hourly rate after 4 p.m. in the lots. Visitors coming to the island for a dinner reservation or an evening stroll on the beach could park at the lots on Pavilion Drive and pay $2.50 per hour after 4 p.m.

Parking is free between 8 p.m. and 8 a.m. and in the offseason, November through February.

For now, visitors will pay the flat rate regardless of the time of day.

Daily rates are $10 for March and April. During peak season, Memorial Day through Labor Day, rates are $15 on weekdays and $25 on weekends and holidays. After Labor Day, rates drop back to $10 for the rest of September and October.

But that could be subject to change in the coming months.

The public safety committee on April 9 considered reviving both the seasonal parking permit and evening hourly parking rates, though both are still likely to be more expensive in their new iterations.

"We'd be looking at a significantly higher number, I would think, for the lots that we have here at Front Beach," Councilman Rusty Streetman said.

Committee members estimated that the updated seasonal pass would be between $200-$250 and $3 per hour for evening parking.

They also noted Charleston County offers a seasonal pass for parking in the Isle of Palms County Park on 14th Avenue.

"I think we're doing this to benefit our business people in the late afternoon and evening. We want to encourage people to come to Front Beach at that time," Councilwoman Jan Anderson said.

The full city council is expected to discuss bringing back the seasonal passes at next month's workshop in May.

Kicking off busy season: Isle of Palms Front Beach Fest draws in large crowds

ISLE OF PALMS, S.C. (WCSC) - Isle of Palms had their annual Front Beach Fest on Saturday.The popular annual event marks the unofficial start of tourist season.Ocean Boulevard was alive with music and laughter as a large crowd of locals and visitors gathered for the festival.Festivalgoers had the chance to enjoy food, shop from local vendors, and listen to live music.Isle of Palms Recreation Supervisor Kelsey Marsh said the event takes around six months to plan. This year, he said they sifted through more than 200 ...

ISLE OF PALMS, S.C. (WCSC) - Isle of Palms had their annual Front Beach Fest on Saturday.

The popular annual event marks the unofficial start of tourist season.

Ocean Boulevard was alive with music and laughter as a large crowd of locals and visitors gathered for the festival.

Festivalgoers had the chance to enjoy food, shop from local vendors, and listen to live music.

Isle of Palms Recreation Supervisor Kelsey Marsh said the event takes around six months to plan. This year, he said they sifted through more than 200 vendor applications.

“We have 54 vendors. We fit as many local vendors as we can. We like to have restaurants all out here. They don’t have as much business in the offseason, so this is a great way for them to kick off their busy season,” Marsh said.

He said area businesses greatly benefit from the festival, especially during the slower off-season months, and the beach fest acts as a vibrant kickoff to the bustling tourist season.

City Councilman Rusty Streetman said the event festival greatly benefits local businesses and restaurants, especially during the slower off-season months.

He said the fest is like the unofficial kickoff for the busy and vibrant tourist season imminently approaching.

“It’s at a time of the year when we don’t have summer tourists. So, it’s here in our shoulder season so that people that typically would not be at Front Beach this time of the year have an opportunity to come out here and enjoy themselves,” Streetman said.

With a large crowd of attendees, Streetman said both residents and visitors are clearly eager for the upcoming hustle and bustle that the sunshine-filled season brings.

“Being able to be with our neighbors who live on the island, being able to greet people who do not live on the island and also welcome them. Just the whole crowd, the music, the food, the whole vibe is just very positive,” he said.

For others, the festival offers a valuable opportunity to raise awareness for their charity and showcase the pups they’re working hard to find loving homes.

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One organization that had a table set up at the festival is called Rosie Rescue, a Mount Pleasant-based non-profit dedicated to rescuing dogs from euthanasia lists at overcrowded shelters.

“I think a lot of times, some rescue dogs and shelter dogs get a bad rep,” Rose Rescue volunteer Lisa Cates said. “When they’re out mingling among everybody, you really get to see their personality, how friendly they are, how amazing they are. I mean, we’ve got dogs here that are just suckering everybody in. It really just shows their personality that you don’t get to see if you just go to a shelter and are walking through the kennels and everything. It’s really good exposure for them.”

Cates mentioned that there were numerous inquiries about the dogs available for adoption, highlighting the event’s success in connecting people with these lovable pups.

For resident Mark Behan, Front Beach Fest was his first outing since moving to Summerville from New York.

“I feel like I’m on vacation every day, and that’s why I love living here. I feel like I’m not miserable when I wake up and it’s not 10 degrees, and I can wear a T-shirt every day, and it’s great. Vacation vibes,” Behan said.

Front Beach Fest organizers said the event gets bigger and bigger every year.

While many are soaking up the vacation-like atmosphere, restaurant employees are also getting a taste of summer, as the festival signals the return of a busier work season for local staff.

With something for everyone, the festival not only brought the community together but also marked the perfect start to the busy season.

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