Major Medical

The Health Insurance Marketplace is a resource where individuals, families, and small businesses can learn about their health overage options; compare health insurance plans based on costs, benefits, and other important features; choose a plan; and enroll in coverage.  Our agents have the experience and knowledge to assist you with this process at NO additional cost.


Individual health insurance is now available to everyone regardless of age or any health conditions you may have. Depending on your circumstances, you may qualify for a government subsidy to help pay your premium. Open enrollment or special enrollment requirements may apply.


Group major medical plans are available in South Carolina for any group of two or more full-time (30 hours per week or more) employees. Benefits, participation rules and underwriting guidelines vary greatly between carriers. There are many ways to put together affordable benefit designs to meet the needs of an employer, including Health Reimbursement Arrangements (HRA) and Health Savings Accounts (HSA). Unlike the individual market, groups of two to50 employees are guaranteed issue regardless of health, however, the group's premium can be increased up to 67% depending upon the overall health of the group. Groups of fewer than 100 employees are usually fully insured.