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Colorful historic row houses on Rainbow Row in Charleston, South Carolina

Charleston · Charleston County, South Carolina

Charleston, South Carolina health insurance broker. For people with an ongoing health condition.

Free help for people in Charleston, South Carolina, who manage a health condition like diabetes, asthma, or heart disease. Want to keep your doctors and your medicine? We compare HealthCare.gov plans for your Charleston ZIP code. We are licensed in South Carolina.

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Photo: "Rainbow Row Charleston July 2024 1" by Thomson200, via Wikimedia Commons, dedicated to the public domain under CC0. Cropped, resized, and converted to WebP. Modified from the original.

Questions we hear

A health condition
to plan around?

About 7 in 100 Charleston residents under 65 had no health plan, per the Census Bureau. People with ongoing care needs here ask us these.

“Can a plan turn me down for a condition I already have?”

Under current law, no. HealthCare.gov says no plan can reject you or charge you more because of a condition you had before your coverage started.

“Will my medicine be covered?”

Each plan has its own drug list. We look up every drug you take, by name and dose, in each plan you are thinking about.

“What's the most I could pay in a year?”

Every plan has a yearly out-of-pocket limit. If you get care often, that limit can matter as much as the monthly price.

Charleston, SC by the numbers

A coastal city
in South Carolina.

Charleston sits on the South Carolina coast, where the Ashley and Cooper Rivers meet. Most of the city is in Charleston County. The numbers come from the Census Bureau.

About 154,000

people call Charleston, SC, home in Census 2020-2024 counts.

$92,414

is Charleston's median household income.

About 56 in 100

of Charleston households own the home they live in.

About 37

is the middle age of Charleston residents.

About 19 in 100

of Charleston workers do their jobs from home.

About 7 in 100

of Charleston residents younger than 65 were uninsured.

About 14 in 100

of Charleston adults 19-64 relied only on a plan of their own.

Source for Charleston, South Carolina: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (tables B01003, B19013, B25003, B01002, B08301, B27010). Your plans, prices, and tax credit depend on your ZIP code, household, and income.

Paul Daniels
Paul DanielsLicensed health advisor · NPN 20986580

How we help

Care-first help
in Charleston.

If you see doctors often, a low monthly price is only part of the story. We set South Carolina plans from more than one insurer side by side, with deductibles, copays, and the yearly limit.

Specialists matter too. We check whether the specialists and hospitals you use around Charleston are in each plan's network.

If you are in the middle of treatment, ask us about timing. A new plan can change which doctors are in network.

Charleston plans don't all use the same hospitals. We look up the ones where you get care now.

  • Help for people with ongoing health needs
  • Licensed in 20 U.S. states · Agent NPN 20986580
  • You do not pay us for our help. We are paid by the insurance companies when you enroll. Your price for a plan is the same whether you use us or sign up on your own. Commissions can differ by company.

How it works

Three steps
built around your care.

Your care list

Doctors, specialists, and each drug you take.

Your ZIP and ages

Where you live in Charleston, and who needs a plan.

Full-year costs

Monthly price plus what care could cost.

Book a 15-minute call
Free · No obligation · About a 15-minute call

What you get

A plan that fits
your care.

You'll choose based on the care you really use. After our call, you'll have:

  • Your doctors and specialists, checked in each plan
  • Your drugs, looked up on each plan's drug list
  • The yearly out-of-pocket limit for every plan
  • December 15, 2026, as the day to choose for a January 1, 2027 start

Straight answers

Charleston health insurance questions.

When is open enrollment in South Carolina for 2027?

South Carolina uses HealthCare.gov. As of October 29, 2026, HealthCare.gov shows 2027 open enrollment running from November 1, 2026, to January 15, 2027. A court case about these dates, City of Columbus v. Kennedy, is still in the courts. Check HealthCare.gov for the latest dates. To be covered on January 1, choose a plan by December 15.

Has South Carolina expanded Medicaid?

No. As of October 29, 2026, KFF lists South Carolina as not adopting the ACA Medicaid expansion. Healthy Connections is the state's Medicaid program for people who qualify.

Do plans have to cover care for my condition?

Under current law, all Marketplace plans must cover treatment for conditions you had before your coverage started. What you pay depends on the plan.

Is this page for Charleston, South Carolina?

Yes. It's for Charleston, South Carolina. Most of the city is in Charleston County, and part of it is in Berkeley County.

Do checkups cost extra?

Many checkups and screenings often cost $0 in network, even before you meet your deductible.

What county is Charleston in?

Most of Charleston is in Charleston County. The city is the county seat. Part of the city reaches into Berkeley County.

What should I bring to the call?

A list of your doctors, specialists, and drugs with doses, plus your ZIP code and 2027 income estimate.

Does a plan cover emergency care away from home?

Under current law, Marketplace plans cover emergency care anywhere in the U.S. For regular visits, use doctors in your plan's network when you can.

Open enrollment starts November 1

Comparing plans in Charleston?

Go over your care needs on a free 15-minute call, or start a quote online. No obligation.

Disclaimer

Daniels Health Advisors LLC is an independent insurance brokerage—not HealthCare.gov, CMS, a state agency, a state insurance department, or an insurance company. Availability, premiums, networks, deductibles, and subsidies vary by zip, household, and plan year. Nothing here is medical, legal, or tax advice, or a guarantee of savings, approval, any-doctor access, or a “best” plan. For tax questions, talk with a tax professional. Official: HealthCare.gov. To check an agent's license, contact your state's insurance department. Charleston / Charleston and Berkeley Counties, South Carolina.