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health insurance agent in James Island
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 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 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 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 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 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, 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 James Island, SC
$5.8M Johns Island flood relief project underway
Hannah Borcherthttps://www.live5news.com/2025/03/12/58m-johns-island-flood-relief-project-underway/
JOHNS ISLAND, S.C. (WCSC) - Construction is underway for a $5.8 million project on Johns Island.The Barberry Woods Restoration Project aims to reduce flooding in Barberry Woods and The Cottages.Flooding often blocks the single entryway in the Barberry Woods cutting off emergency services.“That road into the community can be closed for almost a week. We need to have an access point into the neighborhood. We need the residents to be able to get out, we need emergency services to be able to get in,” City of Char...
JOHNS ISLAND, S.C. (WCSC) - Construction is underway for a $5.8 million project on Johns Island.
The Barberry Woods Restoration Project aims to reduce flooding in Barberry Woods and The Cottages.
Flooding often blocks the single entryway in the Barberry Woods cutting off emergency services.
“That road into the community can be closed for almost a week. We need to have an access point into the neighborhood. We need the residents to be able to get out, we need emergency services to be able to get in,” City of Charleston Director of Stormwater Management Matthew Fountain said.
The project is expected to reduce flooding to less than eight hours during a 100-year storm event.
The City of Charleston estimates that 3,437 residents and 1,687 housing units will benefit from these stormwater improvements.
In a statement, Mayor William Cogswell said “Johns Island has long needed flooding relief in this area, and we’re grateful for SCOR’s partnership in making this project a reality. Once completed, it will significantly improve the quality of life for residents.”
$4.9M is funded by SCOR’s ARPA Stormwater Infrastructure Program. Director of Stormwater Management Matthew Fountain says part of the reason they got that funding was because it’s a green infrastructure project.
“Rather than taking the project, clearing all the trees and basically just building a big pond or something with large pipes and having a road on top of it that we can use for access or a pump station building, this goes back basically as a forest of wetlands,” Fountain said.
They’ll clear the property to dig out a lot of the land to build a low lying wetland area with a meandering stream through it.
The project will also include wetland storage cells, maintenance berms, a walkway and a bridge.
“Between trees and shrubs we’re planting more than 13 thousand individual planting over and then again we’ll preserve that in perpetuity so it will continue to expand out like you would see in any healthy ecological system over the years,” Fountain said.
Fountain said while they are in the tree clearing phase now, when it’s done, he thinks it will be a huge amenity for the community because of the walkway and greenspace it will provide.
Construction is estimated to take 10 months.
Copyright 2025 WCSC. All rights reserved.
Charleston County leaders to give update on major Johns Island road project
Autumn Kleinhttps://www.live5news.com/2025/03/12/charleston-county-seeks-feedback-onmajor-road-project-plans/
CHARLESTON, S.C. (WCSC) - Charleston County leaders are taking another step towards a major road project, and they want community members to be a part of it.The Main Road Segment A project is designed to improve areas of US-17 and Main Road. The goal is to improve congestion buildup and provide safer and more efficient travel for drivers in the area.Project leaders are currently analyzing the marsh area South of 17 and East of Main Road and pile testing to make sure that everything is ready for construction in the next few mont...
CHARLESTON, S.C. (WCSC) - Charleston County leaders are taking another step towards a major road project, and they want community members to be a part of it.
The Main Road Segment A project is designed to improve areas of US-17 and Main Road. The goal is to improve congestion buildup and provide safer and more efficient travel for drivers in the area.
Project leaders are currently analyzing the marsh area South of 17 and East of Main Road and pile testing to make sure that everything is ready for construction in the next few months.
Project leaders are currently working to obtain permitting and right of way acquisition. The right of way acquisition process is a huge part of this and could continue into the summer. They have submitted 60% of their design plans to the regulatory agencies necessary and are continuing to work with the railroads and local utility companies to get the actual construction started. Utility relocation will be one of the first steps of the construction process.
Herbert Nimz is the Engineering Division Manager for Charleston County Public Works. He says that they hope to get all permits and begin construction by this May. This is a four-year project that they expect to complete before 2029.
Charleston County awarded a $354,000,000 construction contract for this project in September, so they are now taking the final steps before work begins.
The main goals of this segment of the project are to improve congestion at the intersection of US-17 and Main Road. Nimz says that they also hope to increase the number of cars that can travel along Main Road and improve safety so drivers can easily and efficiently access commercial and residential properties.
In addition to the major road work, there are also some cyclist and pedestrian elements included, as well as planned stormwater drainage improvements.
Nimz says that this project was necessary, as this is a constantly congested area.
“Anyone that’s driven on 17 turning onto Johns Island obviously has been stuck in that congestion. It does not matter what time of day,” he says. “It’s a very popular project as far as public input, but this is one of two ways on and off of Johns Island. It’s especially important during emergency evacuations. And it’s also necessary for people trying to get from Johns Island into Charleston. So we’re really excited.”
Nimz believes the completion of this project will provide a great benefit to all community members in the area. He says it will affect both motorized and non-motorized road users in a very positive way.
“I think people will not only be driving in a less congested area, but there is a multi-use path component. So, it’s a multimodal project,” he says. “It’s connecting Bees Ferry to the West Ashley Greenway. I think that brings a lot of benefit to the community just to get out and about, but primarily it’s a reduction in traffic congestion.”
Charleston County leaders will host quarterly public meetings on this project to be as transparent as possible with the community. The first quarterly public meeting is set to take place Thursday from 6:30 p.m. to 7:30 p.m. at St. John’s High School, located at 1518 Main Road on Johns Island.
At this meeting, they will provide the latest updates on the project. Nimz says they want to share all of the behind scenes work that they have been doing, as well as provide community members the opportunity to ask any questions they may have about the project. Nimz says he understands that it may not look like they have done much yet, and they have received a lot of questions from community members about the project, but he wants to reassure everyone that they have done a lot of work that cannot be seen. He hopes at this meeting he can inform the public on all the behind the scenes work that has been done and provide some reassurance that this project is a priority.
Click here for more information about the Main Road Segment A project.
Copyright 2025 WCSC. All rights reserved.
Work begins on James Island pedestrian project
Melissa Rademakerhttps://www.live5news.com/2025/03/25/work-begins-james-island-pedestrian-project/
CHARLESTON, S.C. (WCSC) - People on James Island will soon see trucks and teams working on upgrades to Woodland Shores Road and Maybank Highway.The $3.6 million project will bring about a mile of sidewalks down Woodland Shores Road and Maybank Highway, improving safety and connectivity for bikers and walkers.The project will also install a mid-block crossing on Maybank Highway wi...
CHARLESTON, S.C. (WCSC) - People on James Island will soon see trucks and teams working on upgrades to Woodland Shores Road and Maybank Highway.
The $3.6 million project will bring about a mile of sidewalks down Woodland Shores Road and Maybank Highway, improving safety and connectivity for bikers and walkers.
The project will also install a mid-block crossing on Maybank Highway with a high visibility flashing crosswalk signal. A raised median going in on Maybank Highway will have fencing to prevent illegal and unsafe crossing anywhere but the crosswalk.
As of March, utility relocation is already happening. Shovels will hit the ground in the coming week. All work will happen during the day, but outside of peak traffic hours. Project leaders say they do not plan any full road closures, just lane closures.
The county, city and the South Carolina Department of Transportation partnered on plans and funding for the project and people in the area.
Council members recall the tragedies that have happened in the area and say these improvements are essential.
“There are a lot of engaged participants in this community, which is wonderful because we get that feedback and we know exactly what residents are anticipating and what they expect and they have been extremely supportive of the project,” county councilwoman Jenny Honeycutt says.
“A lot more needs to get done; this is just a great example of something that is getting going and we hope to keep this trend going,” Charleston City Councilman Jim McBride says.
Project managers estimate total work will take about 18 months before it is complete.
Copyright 2025 WCSC. All rights reserved.
DQ Restaurant Opens in James Island, SC
WhatNowhttps://whatnow.com/charleston/restaurants/dq-restaurant-opens-in-james-island-sc/
James Island just got a whole lot tastier with a new DQ restaurant coming to town.American Dairy Queen Corporation (ADQ), a leader in treats and food, announced a new DQ Restaurant which held its grand opening on March 7. Conveniently located off the James Island Expressway at 345 Folly Road, the restaurant will be owned by Dream Cone LLC.“We chose to franchise with Dairy Queen because of our admiration for such a longstanding, reputable brand and the joy it brings to people of all ages, especially kids,” said a rep...
James Island just got a whole lot tastier with a new DQ restaurant coming to town.
American Dairy Queen Corporation (ADQ), a leader in treats and food, announced a new DQ Restaurant which held its grand opening on March 7. Conveniently located off the James Island Expressway at 345 Folly Road, the restaurant will be owned by Dream Cone LLC.
“We chose to franchise with Dairy Queen because of our admiration for such a longstanding, reputable brand and the joy it brings to people of all ages, especially kids,” said a representative from Dream Cone LLC in a statement. “Everyone has a happy memory of sharing an ice cream with family and friends, and we want to help create those same moments for residents in the Charleston area. We believe this restaurant will be a gathering place for our community, where people can come together to enjoy tasty treats and make lasting memories.”
This is Dream Cone’s first restaurant in South Carolina. The group looks forward to supporting the local MUSC Shawn Jenkins Children’s Hospital through Dairy Queen’s partnership with the Children’s Miracle Network Charity, as well as sponsoring local youth and baseball teams in the area.
The restaurant will serve its food and treats, including Signature Stackburgers, Chicken Strip Baskets and DQ soft serve in cones, sundaes, shakes, and the signature Blizzard® Treat, among many more menu items.
The new DQ restaurant features a modern design with large booths, community tables and chairs, a designated mobile order pick-up counter, drive-thru lanes, an outdoor patio and fireplace, and an iconic 14-foot DQ red spoon.
The restaurant is open from 10:00 a.m. to 11:00 p.m., Sunday through Saturday, with the drive-thru open until midnight. The James Island location is the first DQ restaurant owned by Dream Cone LLC.
Construction will soon start on project that could alleviate traffic for Johns Island and West Ashley
Maddy Quon mquon@postandcourier.comhttps://www.postandcourier.com/charleston_sc/charleston-johns-island-main-road-highway-17/article_2f6dd0fe-f917-11ef-8811-17bf1611f500.html
Charleston County is set to begin construction on a project that will alleviate traffic for West Ashley and Johns Island residents, officials told residents at the first quarterly update meeting for the road improvements March 13.The project encompasses a number of improvements to help with traffic including construction of flyovers at the intersection of Main Road and U.S. Highway 17, an interchange at Main Road and Highway 17 for drivers who want to avoid the intersection, a bridge over CSX Railroad, a roundabout at the intersection...
Charleston County is set to begin construction on a project that will alleviate traffic for West Ashley and Johns Island residents, officials told residents at the first quarterly update meeting for the road improvements March 13.
The project encompasses a number of improvements to help with traffic including construction of flyovers at the intersection of Main Road and U.S. Highway 17, an interchange at Main Road and Highway 17 for drivers who want to avoid the intersection, a bridge over CSX Railroad, a roundabout at the intersection of Main, Chisholm and River roads, and a widening of Main Road from River and Chisholm roads to the interchange ramps.
The improvements were originally part of a bigger project for Main Road, from Bees Ferry Road to Betsy Kerrison Parkway. The project was then split into three segments, with this segment first estimated to cost $130 million in 2020.
This now $354 million project — the largest infrastructure project in Charleston County history — is funded by the 2016 half-cent transportation sales tax.
Herb Nimz, county project manager, said during the county's quarterly project meeting on March 13 that they're still in the permitting process, but have worked on securing right-of-way acquisition. They're also currently doing test piles, or assessing the strength and stability of the columns that will support the interchange and flyovers. Plans are in the works to relocate utilities, like Charleston Water System and Dominion Energy, before construction starts in May, he said.
Most of the road work on Main Road and Highway 17 will take place at night, but residents should still expect some backup during construction, Nimz said.
"It's going to get worse before it gets better," Nimz said.
Residents in West Ashley and on Johns Island who live around the roads slated for changes have mixed feelings.
Jacob Andrew, a Johns Island resident, said he's excited about how the road project will help with traffic.
"It’s going to work," he said. "They could get it 50 percent right, and it would be better than the way it is now."
However, he worries about how traffic volume will only continue to increase around where he lives off Main Road as more people continue to move to the Lowcountry.
Census data shows the population of Johns Island's specifically surged from roughly 15,100 people in 2010 to almost 22,900 in 2021. More than 25,000 people are estimated to live on the island today.
The county will most likely be back to the drawing board in 10 years to come up with another solution, Andrew said.
Andrew is also unhappy the county cut plans for a bike and pedestrian bridge adjacent to the Limehouse Bridge that was previously included in the project. Nimz said he's met with the state Department of Transportation and is working to add at least a sidewalk to the bridge.
West Ashley resident Jamie Jacobs is looking forward to the changes, but worries congestion may remain as Main Road and Highway 17 are highly trafficked roads for people coming from West Ashley, Ravenel and Johns Island.
Ultimately, she said if the flyovers and interchange allow for commuters to no longer wait at the red light at the intersection of Main Road and Highway 17 for an hour, residents will be much happier.
Officials expect the project to be complete late September 2028.
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