Health Insurance | Your Preferred Health Insurance Company

Affordable Health Insurance in Charleston, SC – Protection When You Need It Most

Staying healthy means being prepared. At Health Insurance Charleston, we provide plans that give you peace of mind—so you can focus on life, not medical bills. Whether you're looking for solo coverage, a family plan, or something for your small business, we help you navigate the options and get the best value for your budget.

Why Choose Health Insurance Charleston

Local Expertise & Personalized Guidance

We know South Carolina laws, providers, and networks. We help you choose coverage that works specifically for Charleston-area hospitals, doctors, and specialists.

Wide Range of Plan Options

We offer PPOs, HMOs, High Deductible Plans with Health Savings Accounts (HSAs), and catastrophic plans. Whatever your health or financial situation, we’ll match you with a plan that fits.

Assistance with Subsidies & ACA Marketplace

If you qualify for financial help under the ACA (Affordable Care Act), we’ll walk you through the eligibility and application process. Our goal is making health insurance affordable.

Transparent Coverage, Clear Costs

No surprises. We’ll explain deductibles, co-pays, out-of-pocket maximums, and network restrictions, so you know exactly what to expect.

What You’ll Get with Our Health Insurance Plans

Feature

Benefit to You

Preventive Care & Wellness

Routine checkups, immunizations, screenings — often without co-pay or deductible.

Specialist & Hospital Access

Access to Charleston’s top hospitals and in-network specialists.

Transparent Coverage, Clear Costs

No surprises. We’ll explain deductibles, co-pays, out-of-pocket maximums, and network restrictions, so you know exactly what to expect.

Prescription Drug Coverage

Plans that cover generics and brand medications. Ask about formulary tiers.

Emergency & Urgent Care

Access to emergency services—no matter where you are.

Who We Serve

Individuals & Families

Self-Employed & Freelancers

Small Business Employees

Uninsured or Underinsured Residents

How It Works

Free Consultation

We learn about your health, budget, and preferences.

Compare Plans

We’ll show you options from multiple insurers, side by side.

Enrollment Assistance

We help with paperwork, selection, and adding family members.

Ongoing Support

Questions about claims, coverage, or renewals? We’ve got you.

FAQs

Do I have to use in-network doctors?

Some plans require it for maximum benefit. We’ll help you understand which doctors are in network.

What’s a deductible and how much will I pay out of pocket?

The deductible is the amount you pay before insurance starts covering. Along with co-pays and coinsurance, this forms your out-of-pocket costs. We’ll review example scenarios.

Can I get coverage even with a pre-existing condition?

Under current ACA rules, yes. Insurance companies cannot refuse coverage or charge more because of most pre-existing conditions.

Ready to find a health insurance plan that protects you and your loved ones—without breaking your budget? Contact us today for a free, no-obligation quote in Charleston.