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health insurance agent in Kiawah 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 Kiawah 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 Kiawah 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 Kiawah 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 Kiawah 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 Kiawah 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 Kiawah 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 Kiawah Island, SC
Golfer encounters ‘rare yellow alligator’ at course in South Carolina, photo shows
Mark Pricehttps://www.sanluisobispo.com/news/nation-world/national/article303305576.html
South Carolina’s coast is famous for “orange alligators” and now a yellow one has been seen at an 18-hole golf cou...
South Carolina’s coast is famous for “orange alligators” and now a yellow one has been seen at an 18-hole golf course along the coast, photos show.
It’s not exactly what it seems.
Just as the orange gators carry the tint of coastal clay, the “rare yellow alligator” on Kiawah Island is a wearing a thick layer of seasonal pollen. The island is about a 30-mile drive south from Charleston.
“Yellow season is hitting hard here in the Lowcountry,” the Town of Kiawah Island wrote in an April 1 Facebook post.
“Rod Buscher ... was playing golf on Cassique when he came across the pollen covered gator.”
The Facebook post had many expressing sympathy for the alligator’s “southern camo.”
“Oh the reptilian indignity!” Michael Bengtson wrote on Facebook.
“That’s how I know I’m in the Carolina’s in the spring! Everything outside is yellow,” Bruce Gardner posted.
Cassique is a 7,050-yard course with plenty of creeks and ponds to accommodate South Carolina’s native alligators.
Trees (oak, pine, willow, and birch) are “the main culprit” at this time of year for pollen, which remains an issue until Mother’s Day, according to the Medical University of South Carolina.
Climate change is making the situation worse, experts say. Warmer temperatures prompt “growing seasons (to) start earlier and last longer – leading to longer and more intense pollen allergy seasons,” the Asthma and Allergy Foundation of America reports.
Read Next
March 18, 2025 4:23 AM
This story was originally published April 2, 2025 at 4:26 AM.
Luxury condos starting at $2.4M coming to Kiawah Island
Hollie Moorehttps://charlestonbusiness.com/luxury-condos-starting-at-2-4m-coming-to-kiawah-island/
Listen to this articleKiawah Island Real Estate has announced phase one of its new luxury condominiums in Kiawah Island’s West Beach community.The first phase of Ocean Pines will offer 30 condos to purchase across three buildings, according to a news release. When all buildings are completed, the Ocean Pines campus will offer 69 two-, three- and four-bedroom condos designed with inspiration from the coastal land ...
Listen to this article
Kiawah Island Real Estate has announced phase one of its new luxury condominiums in Kiawah Island’s West Beach community.
The first phase of Ocean Pines will offer 30 condos to purchase across three buildings, according to a news release. When all buildings are completed, the Ocean Pines campus will offer 69 two-, three- and four-bedroom condos designed with inspiration from the coastal land they are built on, the release said.
“By maintaining our long-standing relationships with award-winning partners, we are reaffirming our commitment to excellence in design within sensitive coastal ecosystems,” said Chris Randolph, managing partner at South Street Partners. “This new offering on Kiawah’s West Beach is perfectly positioned, with walking distance to both the Kiawah River and the beach, as well as convenient access on and off the Island.”
With units starting at $2.4 million, the buildings include a rooftop deck, central lagoon views, walkways and community spaces, according to the release. Owners will also have parking under each building and elevators to each level.
Related: Historic Ravenel home on Charleston Battery sells for record price
Related: Beaufort County home on private island listed for $15M
Additionally, a Kiawah Island Club membership is available with the purchase of any Ocean Pines residence, providing access to the Club’s newest oceanfront amenity, The Cape Club, which is a short walk away and features a pool, fitness center, and an oceanfront restaurant and bar. The Club’s other amenities include the Tom Watson-designed Cassique and the Tom Fazio-designed River Course as well as the Golf Learning Center; the Robert A.M. Stern-designed Beach Club, with restaurant concept by James Beard winner, Chef Mike Lata; and the Clodagh-designed Sasanqua Spa.
Amanda Mole, chief of architecture and design for Kiawah Partners, led the project and Mark Permar, master land planner of Kiawah Island was the architecture of Ocean Pines. Other architects and engineers included LS3P, Thomas & Hutton and Hart Howerton Architects, with landscape architecture led by wertimer + cline.
The best public golf courses in Hilton Head Island
Golf Digesthttps://www.golfdigest.com/courses/guides/best-public-golf-courses-hilton-head-island-bluffton-south-carolina
Despite being one of the smaller states in the country, South Carolina has plenty of distinct golf destinations: Myrtle Beach, Kiawah Island and Charleston are all worth their own trips. And then there’s Hilton Head Island, which in many ways is a fusion of all the other Palmetto State golf destinations.The island is best known for the historic Sea Pines Resort, with its three top courses including ...
Despite being one of the smaller states in the country, South Carolina has plenty of distinct golf destinations: Myrtle Beach, Kiawah Island and Charleston are all worth their own trips. And then there’s Hilton Head Island, which in many ways is a fusion of all the other Palmetto State golf destinations.
The island is best known for the historic Sea Pines Resort, with its three top courses including Harbour Town, host of the PGA Tour’s RBC Heritage. You can also find courses with decent value on the island and just off, in the neighboring town of Bluffton. Combine the solid golf with the island’s relaxing vibe, great seafood and miles of beaches, and it's one of the best destinations for a golf trip.
Scroll on for the complete list of the best public golf courses in Hilton Head, and be sure to click through to each individual course page for bonus photography and reviews from our course panelists. We also encourage you to leave your own ratings on the courses you’ve played … so you can make your case for why a course should be higher or lower on our rankings.
The best public golf courses in Hilton Head Island
Explore Golf Digest's new Course Reviews section where you can submit a star rating and evaluation on all the courses you’ve played. We've collected tens of thousands of reviews from our course-ranking panelists to deliver a premium experience, which includes course rankings, experts' opinions, bonus course photography, videos and much more. Check it out here!
10 Best Beach Towns in South Carolina, According to Locals
Lydia Manselhttps://www.travelandleisure.com/best-beach-towns-in-south-carolina-8663240
Discover Charleston-area favorites and lesser-known oceanfront communities.The South Carolina coast is full of laid-back beach towns with wide stretches of sand, palm-lined bike paths, quaint boardwalks, and restaurants cooking up fresh-caught Lowcountry fare. I’ve spent much of my life frequenting the Palmetto State’s beach towns—visiting Kiawah Island every year and even living in Charleston for a period. Using my own experience and the expertise of a few locals, we narrowed down the list to the 10 best beach towns...
Discover Charleston-area favorites and lesser-known oceanfront communities.
The South Carolina coast is full of laid-back beach towns with wide stretches of sand, palm-lined bike paths, quaint boardwalks, and restaurants cooking up fresh-caught Lowcountry fare. I’ve spent much of my life frequenting the Palmetto State’s beach towns—visiting Kiawah Island every year and even living in Charleston for a period. Using my own experience and the expertise of a few locals, we narrowed down the list to the 10 best beach towns in South Carolina. See if your favorite made the cut below.
Isle of Palms
I’ve spent countless days on Isle of Palms, a small barrier island about 15 miles from downtown Charleston. It's one of the more family-friendly beach destinations in the area, and many visitors opt to stay at Wild Dunes Resort or rent a roomy oceanfront home. No matter where you are on the island, though, its leisurely pace, wide beach, and classic small-town vibes will entice visitors of all ages. One of my favorite things to do on “IOP,” as the locals call it, is to grab dinner at Islander 71 and watch the boats come in and out of the marina. I’d also recommend checking out the live music schedule at The Windjammer—or picking up a frosé (frozen rosé) to-go from The Co-Op.
Kiawah Island
In South Carolina, a beach town should evoke a nostalgic mix of humidity, salt water, and the distinctly earthy smell of pluff mud emanating from the salt marshes. Kiawah Island meets all of these criteria—and then some. A majority of the island functions as a gated private community, accessible only to residents, their guests, and those with reservations. However, there are a couple of areas open to the public if you want to do a day trip, namely Kiawah Beachwalker Park and the shopping center Freshfields Village. At the latter, you can load up on all your vacation essentials: groceries, beach reads, bathing suits, and more.
Myrtle Beach
Myrtle Beach may technically be a city, but it has all of the trappings of your classic beach town. There’s a bustling boardwalk, golf courses, go-karts, souvenir shopping, and, of course, a number of public beaches. “I’ve always been drawn to the nostalgia that you can find on Myrtle Beach,” says Betsy Fuller, owner of A Maker’s Post, a gift shop on Sullivan's Island. “One of my favorite movies, 'Shag,' is set there, and whenever I watch it, I daydream about going back to visit the beach town in the 1950s.”
While it might be synonymous with spring break crowds and families on summer vacation, this is a destination that always delivers beach fun—whether you’re hoping to spend the day by the water or keeping your schedule full from sunup to sundown.
25 Best Things to Do in Myrtle Beach, South Carolina
Pawleys Island
Relaxation is paramount when you’re visiting Pawleys Island, a barrier island beach town located between Myrtle Beach and Charleston. This is the type of place where time slows down, you’re encouraged to log off and enjoy the natural splendor of South Carolina’s coast. Spend your days crabbing, surfing (if the waves permit), fishing, golfing, or dining on classic Lowcountry staples like okra soup or shrimp and grits; just don’t forget to save time for the art of doing absolutely nothing. For a particularly romantic getaway, book a room at The Pelican Inn, an eight-bedroom bed-and-breakfast with a charming wraparound porch.
Folly Beach
"As someone who lives 10 minutes from Folly Beach, I certainly feel like I'm on vacation where I live,” says Katie Hirsch, the former director and chief curator of the Halsey Institute of Contemporary Art. One of the closest beach towns to Charleston, it’s a great option for a day trip if you’re visiting the Holy City; just be sure to arrive on the earlier side if you want to beat the crowds and have an easier time parking. Plus, “if you're an early riser,” says Hirsch, you might want to “try finding shark teeth during a morning beach walk.” She also recommends grabbing some food at local favorite Jack of Cups Saloon for “unexpected bites inspired by Asian cuisine.”
Hilton Head Island
"Hilton Head Island is one of the best places to escape to if you want to be near a beach town but want a different environment from Charleston,” explains Hirsch. “It has modern touches but still keeps its Southern charm, appealing to both tourists and locals alike.”
The historic island is known for its golf courses and bike trails, but offers a wide variety of things to do. Gullah heritage tours, boat rides, paddleboarding, and birding are all itinerary contenders, and Hirsch also says the destination has “some of the best thrift stores.” If that’s up your alley, save an afternoon for exploring the goods at The Bargain Box, My Sister’s Closet, and The Church Mouse.
Sullivan’s Island
Sullivan’s Island continues to be a favorite South Carolina beach town—especially for Charlestonians. “The beach is very relaxed, and the marsh views are second to none,” says Fuller. “If you’re visiting, I’d recommend taking a long beach walk [and exiting] at Station 22.5, so you can head into ‘town,’ aka Middle Street, to do a little shopping.” This part of Sullivan’s Island is popular for its various eateries; there’s everything from Mexican and barbecue to burgers and seafood. Fuller recommends getting a table at High Thyme or The Obstinate Daughter, then grabbing a nightcap at Dunleavy’s Pub.
12 Best Beach Towns on the East Coast, According to Locals
Beaufort
The second-oldest city in South Carolina, Beaufort is often compared to Charleston; it’s historic, beautiful, and filled with oak trees and amazing architecture. Its proximity to the water is also a perk. Like Charleston, you’ll have to drive a bit out of the main hub to get to the beach. If you don’t mind parking your beach chair by Battery Creek, rather than the Atlantic Ocean, make your way to the Sands Beach on the southern end of Port Royal. The beach is free to the public, and there’s plenty to keep the whole family entertained, including a boardwalk, an observation tower, and shark-teeth-hunting opportunities. For a true oceanfront spot, you’ll need to drive half an hour to Hunting Island State Park, where five miles of beautiful beaches live alongside marshes, a saltwater lagoon, and maritime forests.
Murrells Inlet
Murrells Inlet, or the “Seafood Capital of South Carolina,” makes this list for a few reasons. For starters, the historic fishing village has a feature known as MarshWalk. Spanning a half-mile along a natural saltwater estuary, the wooden boardwalk is home to several restaurants, including Bovine’s, Wahoo’s Fish House, and The Claw House. Head five minutes down the road and you'll arrive at the far-from-crowded Huntington Beach State Park, where you can find three miles of pristine sands to lie on. If you have some time, stop by Brookgreen Gardens, a 9,127 site that also includes a zoo and sculpture garden.
Edisto Beach
Located on Edisto Island, Edisto Beach isn’t your typical, buzzy beach town—and that’s the beauty of it. There are no stoplights, high rises, or chain restaurants on the island, and the town wholeheartedly embraces the magic of slow living. Visitors can explore the 4.5 miles of coastline, take a dip in the ocean, and search for shells, shark teeth, and other fossils that may wash up on shore. Biking, kayaking, and dolphin tours are also popular vacation activities. But if there’s absolutely one thing you can’t miss while visiting Edisto Beach, it's the glorious sunsets. Bring a blanket to Edisto Beach State Park, sit back, and enjoy the show.
SC alligators turning yellow from pollen, new photos show. Do gators get allergies?
Anna Claire Millerhttps://www.islandpacket.com/news/state/south-carolina/article303433336.html
South Carolina has seen orange mud gators, ice gators and giant gators … but what about a pollen gator?Turns out ...
South Carolina has seen orange mud gators, ice gators and giant gators … but what about a pollen gator?
Turns out this year’s pollen season is covering more than our cars in a blanket of yellow.
The latest spotting of this “rare yellow alligator” was on Kiawah Island at the Cassique Golf Course.
This gator was completely covered in pollen and spotted by a nearby golfer who snapped these photos:
This year’s pollen season has no doubt felt worse than normal for Lowcountry residents.
“This year has been an aberration weather-wise,” said Dr. Thomas Beller of the Hilton Head Allergy & Asthma Center. “With the influx of warm and cold weather this year, it makes sense that some tree pollen has been more active than normal.”
South Carolina is often ranked as one of the worst states for allergies. The combination of warmer climates and plants blooming earlier results in higher concentrations of pollen, making for a treacherous allergy season.
In the Lowcountry, it’s generally pollen from oak and bayberry trees that cause the most misery for people with allergies.
The marker of the season comes from pine pollen, which is notorious for covering our cars, porches, sidewalks and even gators in a blanket of yellow.
Alligators are cold-blooded creatures, which means their immune systems are easily affected by the temperatures outside.
“We don’t have much research right now that would indicate that pollen affects alligators,” South Carolina Department of Natural Resources Alligator Project Leader, Morgan Hart, said. “But the pollen will stick to them and washes off like normal once they get to the water.”
Springtime is when most alligators become active again. As temperatures steadily warm up, they are more likely to be seen out and about.
According to the SCDNR, young alligators can be seen moving into bodies of water, females enter their breeding period in April and adult alligators are likely to be seen basking in the sun or eating.
With alligators venturing out, more of these pollen gators might be spotted around the Lowcountry soon.
This story was originally published April 5, 2025 at 6:00 AM.
The Island Packet
Anna Claire Miller is the Service Journalism Reporter for The Island Packet. Originally from Georgia, she has experience in magazine writing, non-profit communications and city government. Anna Claire has a bachelor’s degree in journalism, legal studies and English from High Point University.
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