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health insurance agent in James Island, SC
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 James Island, SC 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 James Island, SC 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 James Island, SC 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 James Island, SC 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 James Island, SC 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 James Island, SC 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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Call us 843-364-9155 for a complimentary consultation and evaluation of your healthcare coverage.
Latest News Near Me James Island, SC
James Island will be electing 2 new Town Council members. Here’s a look at who’s running.
Madeline Quonhttps://www.postandcourier.com/charleston_sc/james-island-town-council-candidates-election/article_943ab4ee-8759-476a-b3d6-7d5bd5fce9a3.html
JAMES ISLAND — On Nov. 4, residents will choose two new representatives to join the Town Council.After voters passed a referendum in 2023 that expanded James Island Town Council’s governing body from four members to six, the time to add those new council members has come. The four residents who are running to fill the two seats said they are committed to serving the residents but differ slightly in how they plan to do so.‘We are one James Island’Julia Drayton-Crumblin has lived on the island her...
JAMES ISLAND — On Nov. 4, residents will choose two new representatives to join the Town Council.
After voters passed a referendum in 2023 that expanded James Island Town Council’s governing body from four members to six, the time to add those new council members has come. The four residents who are running to fill the two seats said they are committed to serving the residents but differ slightly in how they plan to do so.
‘We are one James Island’
Julia Drayton-Crumblin has lived on the island her whole life. She’s opening a childcare center for kids ages six months to 3 years old in January and runs a rental property business with her sister.
Her platform revolves around town connectivity and giving back, from exploring ways to keep housing affordable to encouraging more neighborhood connections. Drayton-Crumblin said she’s considering starting a community garden.
“I do believe we are one James Island, and I want all of us to remember that so we can still become successful and thrive as a community,” Drayton-Crumblin said.
While she's still exploring specific approaches to affordable housing, Drayton-Crumblin said she wants to ensure there is smart development on the island. She’s open to visiting other municipalities to see what they’re doing to keep housing accessible for residents.
Being a voice for residents
Stanley Kozikowski is retired, but said when you live on James Island, you never really retire.
“There’s too many people to help,” he said.
Kozikowski spends a lot of time volunteering with various nonprofits on the island and enjoys helping his neighbors out. He hopes to continue helping the community on Town Council, mostly by working to slow down development.
There are multiple reasons for pacing the rate of development, he said. The island needs infrastructure to catch up with the growth. Kozikowski added he also wants to save more green space for wildlife.
He’s committed to being a voice for residents when coordinating with neighboring municipalities and Charleston County, he said.
Focusing on the residents
Kristen Meredith Poston, a server and bartender, said her job has many similarities to a community leader.
Poston has served a term on the James Island Public Service District Commission. She said that role has helped her learn to listen to people, whether they’re talking about issues or something they’re excited about.
Poston hopes to continue her focus on residents if she’s elected to Town Council. While she would be an elected official, she would be working for the residents and ensuring their voices are heard, she said.
She added that while the Charleston area is becoming more popular and more people are moving here, she wants to curb development and preserve James Island’s character. Poston said she’d want to keep the island calm and as far away from over-development as possible.
Town Council is ‘a lifelong calling’
Michael O’Shaughnessy Williams said when he moved to James Island seven years ago, he fell in love with the town and knew he never wanted to leave. He also realized this is where he’d want to run for office to help the community, describing it as a lifelong calling.
Williams’ top priority if elected is land preservation and pushing back against development. The marsh, creeks and tree canopy help make James Island special, and he wants to protect that.
The town needs leaders who have the determination to push back against the city of Charleston and the county when it comes to zoning for future development, Williams said. He added that he wants to work with both local governments because they all have jurisdiction on James Island and hopes collaboration will help solve issues residents have.
James Island may be one step closer to flood relief thanks to Charleston project
Gracie Kirschnerhttps://www.live5news.com/2025/10/23/james-island-flood-relief-project-advances-technical-review/
JAMES ISLAND, S.C. (WCSC) - James Island residents could move closer to flood relief as infrastructure improvements face review by the City of Charleston Technical Review Committee Thursday morning.The infrastructure project, which has been on the committee’s agenda three times now, aims to modernize aging infrastructure and make the area’s drainage system more efficient and resilient.Plans include widening existing drainage channels and replacing older pipes with larger, box-shaped tunnels called box culverts. The ...
JAMES ISLAND, S.C. (WCSC) - James Island residents could move closer to flood relief as infrastructure improvements face review by the City of Charleston Technical Review Committee Thursday morning.
The infrastructure project, which has been on the committee’s agenda three times now, aims to modernize aging infrastructure and make the area’s drainage system more efficient and resilient.
Plans include widening existing drainage channels and replacing older pipes with larger, box-shaped tunnels called box culverts. The city also plans to install muted tide gates and check valves at the system’s lowest points to allow stormwater to drain into nearby creeks while preventing high tides or creek water from flowing back into neighborhoods.
Charleston officials said the goal is to reduce the frequency and severity of flooding, especially in low-lying areas that struggle during heavy rains and high tides.
While the project moves through the approval process, the city is also working to secure funding. In September, leaders applied for $1.5 million in grant funding from the South Carolina Infrastructure Authority and are awaiting a response.
Charleston County is already working nearby to prepare for future storms. Central Park Road remains closed between Riverland Drive and Fleming Road for a $2.7 million project to install new pipes and raise the roadway.
Steve Kirk, the city’s stormwater project management practice lead, said these improvements are critical for protecting both homes and infrastructure.
“Like many areas in Charleston, whether it’s downtown, James Island, John’s Island, West Ashley, a lot of those areas are older. The infrastructure that is currently in the ground… might be undersized,” Kirk said. “It might not be appropriate for the amount of development that has happened and also specifically, with respect to the Central Park area, it is low and it drains into a tidal influenced body of water. So that means, when tides are high, the water moves out much more slowly.”
He said the upgrades would make a noticeable difference for residents.
“The project will allow the water to move through and out of the drainage basin a whole lot faster,” Kirk said. “So, what you’re going to see is a reduction in the duration, in the frequency and in the severity of any flooding that does occur.”
Kirk said every drainage project begins with understanding the problem before finding the right solution.
“When we address flooding concerns, when we address drainage problems in the city, you have to define what the problem is first,” he said. “What is the scope of the project going to be? You have to define the service area. Once you have that, you do a study on the area to fully understand what those problems are. Once you understand what those problems are, then you can begin looking at potential solutions.”
He added that this approach is part of a larger citywide effort to strengthen Charleston’s drainage systems and ensure long-term resilience.
“We have an extensive list of stormwater projects,” Kirk said. “We go through and prioritize those projects. We have input from the mayor, we have input from city council… so we try to ensure that we are addressing drainage throughout the city, not just in one or two locations.”
He said that while the process takes time, it’s vital that the city gets it right.
“Just know that we are working through the process,” Kirk said. “It does take time. We need to make sure that the project is designed and constructed properly so that it works for years to come.”
If the project is approved, the city will move forward with securing funds, applying for permits and finalizing the design. Construction is expected to begin in 2026 with completion targeted for mid to late 2027.
Ashley Ridge vs James Island Live – Trojans Host Swamp Foxes in South Carolina Conference Clash
infocityba.com.arhttps://infocityba.com.ar/football/ashley-ridge-vs-james-island-live-trojans-host-swamp-foxes-in-south-carolina-conference-clash/12122/
James Island (7–1) hosts Ashley Ridge (5–3) Friday night at 7:30 p.m. in CharlestonThe Ashley Ridge vs James Island Live matchup features the James Island Trojans hosting the Ashley Ridge Swamp Foxes at James Island Charter High School in Charleston, SC. Kickoff is scheduled for 7:30 p.m. on Friday, Oct. 24, 2025, with live streaming and digital tickets available for fans.The James Island Trojans enter with a ...
James Island (7–1) hosts Ashley Ridge (5–3) Friday night at 7:30 p.m. in Charleston
The Ashley Ridge vs James Island Live matchup features the James Island Trojans hosting the Ashley Ridge Swamp Foxes at James Island Charter High School in Charleston, SC. Kickoff is scheduled for 7:30 p.m. on Friday, Oct. 24, 2025, with live streaming and digital tickets available for fans.
The James Island Trojans enter with a 7–1 overall record, including a 5–0 home record, averaging 37.5 points per game while allowing 65 points. James Island has been effective offensively in the first three quarters (8.0, 9.0, and 7.7 points on average), giving them a strong start and steady scoring advantage. Their 2–1 region record highlights their competitive position in South Carolina.
The Ashley Ridge Swamp Foxes come in at 5–3 overall, including a 3–1 away record, averaging 34.0 points per game while conceding 178 points. Ashley Ridge has shown strong scoring in the first and second halves (8.8 and 9.3 points on average in Q1 and Q4), but they will face a challenge against James Island’s balanced offense and stout defense. Their 3–0 region record keeps them in strong contention within the conference.
This matchup features James Island’s Trojans and high-scoring offense against Ashley Ridge’s Swamp Foxes, creating a compelling conference contest with playoff implications and district standings on the line.
How to Watch and Get TicketsFans can stream Ashley Ridge @ James Island Live on GoFan, accessible on computers, tablets, and mobile devices starting at 7:30 p.m. for full coverage.
Tickets are available via GoFan—early purchase is recommended for guaranteed entry and smoother stadium access. Don’t miss the chance to see the Trojans take on the Swamp Foxes in this key South Carolina conference matchup.
Kickoff is scheduled for 7:30 p.m. in Charleston, SC.
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James Island town hall draws crowd as council candidates tackle pressing local issues
Jane Fuscohttps://abcnews4.com/news/local/james-island-town-hall-draws-crowd-as-council-candidates-tackle-pressing-local-issues-local-politics-municipal-election-season-polling-location-vote-voting-infrastructure-flooding-representatives
Dozens of James Island residents attended a town hall on Monday to meet the four candidates running for two town council seats.(WCIV)JAMES ISLAND, S.C. (WCIV) — Dozens of James Island residents attended a town hall on Monday to meet the four candidates running for two town council seats.It was a packed room for a Monday night, with barely any seats open. Attendees were listening closely to the candidates as they talked about the issues that are the most pressing in their community."This isn't just where we liv...
Dozens of James Island residents attended a town hall on Monday to meet the four candidates running for two town council seats.(WCIV)
JAMES ISLAND, S.C. (WCIV) — Dozens of James Island residents attended a town hall on Monday to meet the four candidates running for two town council seats.
It was a packed room for a Monday night, with barely any seats open. Attendees were listening closely to the candidates as they talked about the issues that are the most pressing in their community.
"This isn't just where we live. This is home," Julia Drayton Crumblin, one of the candidates said.
At the event all of the candidates were able to present opening and closing statements, along with answering questions from the moderator. After each question was asked, the candidates were given the chance for a rebuttal. The questions were written by the Local League of Women Voters and James Island residents.
During the town hall, candidates were asked about their goals, the role of town council, collaboration, infrastructure resiliency, voter representation, flooding issues and concerns about tree cutting around power lines.
"I want my grandkids, their grandkids, more grandkids to enjoy the creeks, marsh, trees, cany, wildlife, just as much as I can," candidate Michael Williams said.
The candidates all emphasized their love for James Island and presented what they believe is the most pressing issue.
"You are the same level as any elected official. You are the people that we are serving. You are not serving us. We're serving you," candidate Meredith Poston said
Jeri Cabot, the co-president of league of women voters of Charleston area, says these local elections may not get as much turnout as a national election, but they might have more of an impact on your day-to-day life.
"This zoning decision at the municipal level was related to the apartment complex you see going up down this street. This decision made about a drainage area is related to the flooding you do not experience on a particular road," Cabot said.
The candidates running for the two opens seats on the Town of James Island Town Council are the following:
Early voting started on Monday and goes on through Friday, Oct. 31. The polls are closed on Saturday and Sunday, and Election Day is Nov. 4.
Your 2025 general election voter guide
Nick Reaganhttps://www.live5news.com/2025/10/17/your-2025-general-election-voter-guide/
CHARLESTON, S.C. (WCSC) - While everyone is talking about who will be elected South Carolina’s next governor in 2026, dozens of local elections are taking place in just few weeks.Voters in towns and cities across the state will head to the polls on Nov. 4 to determine the fates of hundreds of candidates looking for seats on councils and mayoral offices.But early voting begins on Monday, two weeks ahead of the general election.Below is a list of all of the races and candidates in Charleston, Berkeley and Dorchester ...
CHARLESTON, S.C. (WCSC) - While everyone is talking about who will be elected South Carolina’s next governor in 2026, dozens of local elections are taking place in just few weeks.
Voters in towns and cities across the state will head to the polls on Nov. 4 to determine the fates of hundreds of candidates looking for seats on councils and mayoral offices.
But early voting begins on Monday, two weeks ahead of the general election.
Below is a list of all of the races and candidates in Charleston, Berkeley and Dorchester Counties. This guide also has everything you need to know about how to vote and when you can do it.
2025 Races
Click the heading to jump to the section to see who will be listed on municipal ballots.
Note that voters will only see races that correspond with the district in which they live, not necessarily all of the races listed under their municipality.
In the lists below, an asterisk indicates an incumbent candidate running for reelection.
Republicans
Democrats
City Council District 2
City Council District 4
City Council District 6
City Council District 8
City Council District 10
City Council District 12
Commissioner of Public Works
Town Council (4 seats open)
Town Waterworks
Town Council District 1
Town Council District 3
Town Council District 5
Commissioner of Public Works
City Council (3 seats open)
Town Council (3 seats open)
Commissioner of Public Works
City Council (3 seats open)
City Council (4 seats open)
Water and Sewer Commissioner
Town Council (2 seats open)
Town Council (3 seats open)
Town Council (3 seats open)
Town Council
Town Council (3 seats open)
Town Council (3 seats open)
These towns have elections but none of them are contested:
Disclaimer:
