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health insurance agent in Kiawah 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 Kiawah 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 Kiawah 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.

Health Insurance Agency Kiawah Island, 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 Kiawah 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.

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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 Kiawah Island, 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 Kiawah 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 Kiawah Island, SC you do not need to wait until Open Enrollment to protect yourself with a major medical insurance plan.

Health Insurance Companies Kiawah Island, SC
Health Insurance Kiawah Island, 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 Kiawah Island, SC
Private Health Insurance Kiawah Island, 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 Kiawah 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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What Client Say About Us

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

Latest News Near Me Kiawah Island, SC

S.C. Lawmakers Raise Questions About Kiawah Island Litigation Settlement

The South Carolina House of Representatives slipped funding for a $32 million legal settlement into the 2026-2027 budget – despite failing to even discuss the controversial payout during the committee process.The appropriation would end decades of litigation, appeals, and mediation over on Kiawah Island – an exclusive barrier island located approximately 25 miles southwest of Charleston, S.C.The settlement involves the Conservancy of the Sea Islands, the Town of Kiawah Island, the ...

The South Carolina House of Representatives slipped funding for a $32 million legal settlement into the 2026-2027 budget – despite failing to even discuss the controversial payout during the committee process.

The appropriation would end decades of litigation, appeals, and mediation over on Kiawah Island – an exclusive barrier island located approximately 25 miles southwest of Charleston, S.C.

The settlement involves the Conservancy of the Sea Islands, the Town of Kiawah Island, the Kiawah Island Community Association, Kiawah Partners and the State of South Carolina. If it makes its way into the final version of the spending plan, it would compensate developers for lost income from a land parcel that extends from Beachwalker Park to the Kiawah River after the state compelled developers not to construct housing there due to ecological concerns.

Under the agreement, the land would be placed into a conservation easement held by the Conservancy of the Sea Islands. This easement would eliminate future residential development rights and preserve the land in its natural state. The spit is one of the few remaining undeveloped native habitats for multiple Palmetto State native species, including sea turtles and migratory birds.

If the deal goes into effect, the Town of Kiawah Island would acquire ownership of Beachwalker Park ensuring public access to the beach, while the state would take ownership of the remaining land, with portions potentially designated as a Heritage Trust Preserve under the auspices of the S.C. Department of Natural Resources (SCDNR).

Skeptics of the appropriation agree the land should be preserved, but insist developers were forewarned that their speculative investments would be valueless at the time they decided to buy the land, and are therefore unlikely to prevail in legal challenges demanding the state compensate them for lost potential revenue.

Opponents of the settlement argued during the budget debate on Tuesday evening (March 10, 2026) that regardless of the validity of the deal, it is unfair to ask lawmakers to approve a multi-million dollar expenditure that wasn’t discussed as the budget made its way through the committee process.

S.C. Freedom Caucus’ chairman Jordan Pace protested the line item – opposition unexpectedly buttressed by representative Gil Gatch, who pointed out during the floor debate that the developers have already struck out repeatedly in state courts.

Gatch, a lawyer-legislator, also claimed federal case law in support of the plaintiff’s case was shaky at best.

“Why would the attorney general settle with the developers in Kiawah when the developers don’t have a legal theory to win,” Gatch asked, questioning why attorney general Alan Wilson would “give a handout to the developers.”

Wilson’s office declined to comment on the settlement citing it’s inability to speak about pending litigation.

“I wanted to amend (the budget) to take ninety days to do due diligence to make sure that what we’re doing makes sense,” state representative Joe White told FITSNews in an interview conducted the day after the House approved funding for the settlement in the budget. “The ramifications for the future of South Carolina are that once you settle one of these out of court without litigating, every developer in South Carolina can claim ‘you cheated me out of something, and now the state owes me something.'”

White warned the case “could alter for the future what we can defend in South Carolina.”

After having conversations with attorneys familiar with this type of litigation, White said he wanted more due diligence done on the recommendation from the attorney general’s office that the state settle the case.

“I talked to administrative law judges here in South Carolina that said we would win this lawsuit if we pushed it forward,” White said.

White likened the deal to the General Assembly’s decision to ramrod Scout Motor’s economic development deal, which was also was also expeditiously funded with astonishingly little public input or oversight.

“This is similar to the Scout Motor deal which I voted against three years ago,” he said. “We did no due diligence on that, we did no due diligence on this. It never went to subcommittee or committee in the House. It just appeared in the budget, and most of the legislators knew nothing about it until last night.”

White lamented their approval of the expenditure, but added the process has run its course in the House.

“We approved it,” he said. “It’s done.”

Opponents of the appropriation must now rely on the S.C. Senate to remove it from the state’s spending plan, as governor Henry McMaster – who included the expenditure in his executive budget – is obviously not going to veto the money in the event it makes it to his desk.

(Via: Travis Bell)

Dylan Nolan is the director of special projects at FITSNews. He graduated from the Darla Moore school of business in 2021 with an accounting degree. Got a tip or story idea for Dylan? Email him here. You can also engage him socially @DNolan2000.

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10 Best Islands to Visit in the South for Beautiful Beaches, Charming Towns, and Coastal Views

The phrase “island vacation” may evoke images of turquoise Caribbean waters, bright white beaches, and temperatures over 80 degrees even in the depths of winter. But islands directly off the Southern U.S. mainland do it a little differently—and no two are the same.South Carolina islands have palmetto trees growing alongside ferns and pines. Georgia’s barrier islands, including St. Simons and Jekyll Island, boast diverse landscapes made up of beaches, marshes, dunes, and maritime forests. And Texas islands, with...

The phrase “island vacation” may evoke images of turquoise Caribbean waters, bright white beaches, and temperatures over 80 degrees even in the depths of winter. But islands directly off the Southern U.S. mainland do it a little differently—and no two are the same.

South Carolina islands have palmetto trees growing alongside ferns and pines. Georgia’s barrier islands, including St. Simons and Jekyll Island, boast diverse landscapes made up of beaches, marshes, dunes, and maritime forests. And Texas islands, with their shallow bays and seagrass meadows, are home to extensive wildlife.

No, not all of these Southern islands offer year-round swimming conditions, but they do have their own unique appeal, even in the colder months. To help pick the top islands in the South, we tapped Mary Helen Law, a Georgia-based travel advisor and owner of Law Luxury Travel.

Longboat Key, Florida

Law describes Longboat Key as “one of the region’s best-kept secrets." Located on Florida's Gulf Coast, the quiet barrier island is just a 20-minute drive from Sarasota, making it relatively easier to get to if you’re flying to the Sunshine State. The island does lean more residential—and, thus, the beaches are typically less crowded—but there’s still plenty to do if you want to stay busy. Activities range from kayaking with dolphins and manatees to sunset cruises and pickleball matches. Plus, Law notes that with the 2024 opening of The St. Regis Longboat Key Resort, “visitors can now enjoy elevated luxury alongside beloved local favorites like Shore and Whitney’s.”

Daufuskie Island, South Carolina

Neighboring Hilton Head Island may have more name recognition, but Daufuskie Island earns a spot on this list due to its remoteness (it’s only accessible by boat), incredible beauty, and dedication to preserving its Gullah culture. Visitors can take in everything that makes Daufuskie so special in a variety of ways. Start by enjoying a classic beach day on its three miles of public beaches, or head out on horseback with Daufuskie Trail Rides. Take a tour with sixth-generation native Sallie Ann Robinson, who specializes in Daufuskie Island history, then pop into Daufuskie Island Distillery to sample some of its American-made rum. The island also features a number of historical sites—First Union African Baptist Church and the Bloody Point Lighthouse among them—and the best way to see as many as possible, and get around the island in general, is via golf cart.

Golden Isles, Georgia

“Call it cheating, since the Golden Isles is a collection of islands off Georgia’s southern coast, but it’s nearly impossible to pick just one,” says Law. “Choose Sea Island for a luxury retreat at The Cloister, Cumberland Island for the simplicity of roaming horses and untouched landscapes, St. Simons Island for lively beaches and dining options, or Jekyll Island for a vacation full of old-world charm.” No matter which island you visit, you can expect a relaxed atmosphere with gorgeous sunsets, mild weather, and some of the best meals you’ve had in your life (Southern Soul Barbeque on St. Simons is a highlight).

Dauphin Island, Alabama

If you’re searching for a tropical vacation spot but want to stay stateside, look no further than Dauphin Island. A barrier island in the Gulf of Mexico, the 14-mile-long destination is known for its clear blue water and picturesque white sand. It’s also affectionately called the “sunset capital of Alabama,” a title you’ll quickly understand as you take in the horizon on the far west end of the island. To reach the island, you’ll need to come by ferry or via the three-mile bridge that connects it to mainland Alabama. Upon arrival, the world is your oyster. Explore the 164-acre Audubon Bird Sanctuary, Shell Mound Park, and Historic Fort Gaines. Alternatively, you can spend your days on the water, kayaking, snorkeling, or paddleboarding until dinnertime.

“A sleepy beach town known for its rich history, Pawleys Island is home to independent restaurants—such as Chive Blossom, Bistro 217, and Frank's Outback—several art galleries featuring the work of local artists, and Downtown Pawleys, a quaint shopping area surrounding a tranquil pond,” says Law. A little under four miles long, the island is easily explored on foot or by bike, and visitors spend their days fishing, crabbing, golfing, or just appreciating the beauty and the slower pace, preferably while lounging in a locally made hammock. “A visit wouldn’t be complete without exploring the historic Hammock Shops, where handcrafted rope hammocks have been a tradition for generations,” adds Law.

Hatteras Island, North Carolina

The Outer Banks of North Carolina are made up of several islands, stretching from the Virginia border to Ocracoke Island. One of the best ones to visit is Hatteras Island, home to Pamlico Station by Edgecamp, a coastal hotel designed by Jonathan Adler that opened in 2024. Dotted with towns like Rodanthe, Salvo, Waves, and Hatteras Village, the barrier island is long—nearly 50 miles from end to end. With that much space, visitors and locals alike have plenty of room for water sports, leisurely beach days, and sightseeing. Notably, kiteboarding and windsurfing are extremely popular on the island; if it’s your first day, sign up for a private or semi-private lesson with Real Watersports.

Amelia Island, Florida

South of the Golden Isles, just over the maritime boundary between Georgia and Florida, is Amelia Island. “Spanish moss drapes across oak trees as you cross the bridge onto a stunning Amelia Island, where visitors can enjoy nearly empty beaches, five championship golf courses, and a variety of land and water activities for all ages,” says Law. It’s a true family-friendly destination with a range of accommodations, including the luxurious Ritz-Carlton, Amelia Island and Omni Amelia Island Resort & Spa—both of which come recommended by Law—and charming bed-and-breakfasts housed in the historical buildings downtown. Law adds that the island has “an active food scene.” with “everything from tapas at España, a nod to former Spanish rule of the island, to local seafood cuisine at Down Under, a favorite oyster bar for locals.”

South Padre Island, Texas

Many non-Texans may associate the Lone Star State with miles and miles of flat, landlocked plains, but this part of the world has an impressive amount of variation in its climate and landscape. Take South Padre Island, for example: a tropical paradise on the Gulf of Mexico, just off the southern tip of Texas. It’s warm year-round, has 34 miles of white-sand beaches and blue water, and gets more than 300 days of sunshine annually. Like many of the best islands in the South, this is a place where you can be as relaxed or as busy as you want. Spend your days chartering a boat, learning about wildlife at South Padre Island Birding, Nature Center, and Alligator Sanctuary, or horseback riding along the beach at Island Adventure Park.

Kiawah Island, South Carolina

“Some might call Kiawah Island a golfer's paradise,” says Law, “but don't discount this 10-mile-long oceanfront resort as anything less than a perfect destination for the entire family.” Along with the famed Ocean Course, which hosted the 2012 and 2021 PGA Championships, Kiawah has miles of bike paths, wide beaches, and salt marshes teeming with wildlife. There are various vacation rentals available on the island—some oceanfront, some riverfront—but Law says you’ll find “ultimate relaxation” at The Sanctuary, a repeat winner in Travel + Leisure's World’s Best Awards.

Ship Island, Mississippi

Ship Island is 12 miles off the coast of Mississippi. The barrier island, which is part of Gulf Islands National Seashore, is a true getaway in every sense of the word. According to the National Park Service, cell phone service is limited, and the island is only accessible by boat. While there's no lodging on Ship Island and camping is not allowed, visitors can take advantage of its Caribbean-like waters and white-sand beaches during the day. Chairs and umbrellas are available to rent at the designated swimming beach, which has amenities like restrooms, drinking water, and a snack stand to keep you comfortable. Just be sure to bring plenty of sunscreen and stay hydrated—summers here are notoriously hot and sunny.

Settlement to protect Captain Sams Spit reached after years of legal wrangling

KIAWAH ISLAND, S.C (WCIV) — A settlement reached after nearly two years of negotiations is said to guarantee the permanent protection of Captain Sams Spit, a haven for nature lovers for decades, according to a release from the Conservancy of the Sea Islands.“It will be preserved. There will never be a building there," said Executive Director of the Conservancy of the Sea Islands Donna Windham.The agreement, made between the Conservancy of the Sea Islands, the Town of Kiawah Island, Kiawah Island Community Assoc...

KIAWAH ISLAND, S.C (WCIV) — A settlement reached after nearly two years of negotiations is said to guarantee the permanent protection of Captain Sams Spit, a haven for nature lovers for decades, according to a release from the Conservancy of the Sea Islands.

“It will be preserved. There will never be a building there," said Executive Director of the Conservancy of the Sea Islands Donna Windham.

The agreement, made between the Conservancy of the Sea Islands, the Town of Kiawah Island, Kiawah Island Community Association, Kiawah Partners and South Carolina, still needs to be legally approved. However, once that is finished, the entirety of Captain Sams Spit – from Beachwalker Park to the end of the Spit – will be under a conservation easement holder and steward. The Town of Kiawah will control the Beachwalker Park parcel. Meanwhile, South Carolina will take ownership of the remaining portions of the Spit.

"Captain Sams Spit is truly a unique natural treasure," Kiawah Mayor Bradley D. Belt said.

The town will be able to continue all ongoing activities, enforcement, and wildlife research. Additionally, Beachwalker Park will remain in public hands, assuring access to the beachfront.

The state is planning to contribute $32 million to the conservation of the area, while the town puts in $3.7 million and the conservancy $1.3 million. Officials tied to the settlement say Gov. Henry McMaster is in strong support of the measure.

The conservation easement prohibits development and would significantly restrict human impact across Captain Sams Spit, according to the announcement.

The settlement also establishes a framework for long-term coordination among municipal, state and nonprofits, ensuring oversight for future generations, officials said.

Kiawah Island residents say they are pleased by the outcome.

“It's a one-of-a-kind place. We need to protect it, so I'm thrilled," says resident Kathy Ladner.

“One of the reasons people come to this place is to see the natural part of it and live with nature," said resident Carol Medendorp. "We need Captain Sam's to be Captain Sam's and be able to see the dolphins and the turtles.”

The peninsular spit is attached to the southern end of Kiawah. It provides a habitat for federally threatened species, including the rufa red knot, piping plover and loggerhead sea turtles. The area also supports diamondback terrapins and bottlenose dolphins.

It has been the site of intense legal wrangling, as the Kiawah sought to ensure the area saw limited development and environmental preservation. With the newly announced agreement, officials believe that conservation of the area is a top priority.

“It means we get to protect a very important spot, not only for the wildlife on the island, but we also get to protect an area where we get to study this wildlife," said Lee Bundrick, a senior Ecological Health and Conservation Coordinator with the Conservancy of the Sea Islands. "We want people to connect with nature because we're just as much as part of nature. And being out in nature is just as important as protecting it as well."

Peggy Barnes, chair of the Conservancy of the Sea Islands board of trustees, added: “Captain Sams Spit is an invaluable habitat for birds, mammals, reptiles, amphibians and crustaceans. Placing the entire Spit under conservation easement ensures these habitats are preserved in perpetuity, benefiting rare, threatened and endangered species. This is a defining conservation achievement for our organization and for the South Carolina coast.”

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