Are you searching for health insurance options in South Carolina? If you need temporary coverage that could start as soon as tomorrow, short-term health insurance might be what you’re looking for.
Can I Buy Short-Term Health Insurance in South Carolina?
Yes! You can buy short-term health insurance in South Carolina with durations of 11 months or longer. 1 Note that each state can set its own rules concerning short-term health insurance, so, these plan durations may change.
Is Short Term Health Insurance a Good Option?
South Carolina short-term health insurance can work for you if you need minimal medical coverage. If you are uninsured like 539,300 SC residents in 2019,2 short-term health insurance can be a first step to getting covered. If you need routine, comprehensive services, individual health insurance may be a better fit. In the end, it depends on your unique needs.
Temporary health insurance may also be a good option if you are looking for an affordable plan. The average premium for short-term health insurance in South Carolina is $119 per month in 2021.* And it can be a practical solution if you need coverage fast. You could get coverage as soon as the day after you apply.
Additionally, the flexibility of short-term health insurance plans can help those who are experiencing a short gap in coverage. Whether you need a plan for 1 month or 1 year, a short-term plan can help you fill that gap. For example, you may be waiting for a new employer plan or Medicare coverage to begin. While you wait for that coverage to begin, short-term health insurance can provide a buffer against emergency medical expenses.
Before you jump into temporary health insurance, there are a few key points you should know:
- Short-term health insurance benefits are limited. This means that routine visits and some “essential health benefits” may not be covered.
- You can be denied coverage from temporary health insurance if you have a pre-existing condition.
- These plans are designed for people who are generally healthy, do not regularly visit the doctor, and are primarily concerned with emergency medical expenses.
How Do I Get Short-Term Health Insurance in South Carolina?
To begin getting short-term health insurance in South Carolina, compare plans online. You can compare benefits, view plan details, and even start an application today. Getting started is just one click away.
1. Center on Budget and Policy Priorities. October 2020. Retrieved from https://www.cbpp.org/state-limitations-on-short-term-health-insurance-plans-october-2020 | 2. Kaiser Family Foundation. 2021. Retrieved from https://www.kff.org/other/state-indicator/total-population/?dataView=1¤tTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D. Accessed April 15, 2021.
*Average based on premiums for all 2021 short-term health plans sold by HealthMarkets for a 40-year-old non-smoking male making $30,000 per year living in Columbia, S.C.
"Minimum Essential Coverage" as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state.