Does South Carolina Have a Health Insurance Marketplace? (2026)

South Carolina does not run its own state health insurance exchange — it uses the federal Health Insurance Marketplace (HealthCare.gov). South Carolina residents shop federal marketplace plans and qualify for the same federal subsidies, and you can enroll through HealthCare.gov or a licensed agent / approved enrollment platform.

Federal marketplace, not a state exchange

Some states run their own exchanges; South Carolina isn't one of them. South Carolina residents use the federally-facilitated marketplace. This doesn't limit your options — you get the full set of ACA plans and federal premium tax credits.

Three ways to enroll in South Carolina

You can enroll directly on HealthCare.gov, over the phone with the marketplace, or through a licensed agent or an approved Enhanced Direct Enrollment (EDE) platform. Using a licensed agent is free — you pay the same price either way.

What this means for subsidies

Because South Carolina uses the federal marketplace, federal subsidy rules apply. Your subsidy is based on household size and income and is applied the same way no matter which enrollment channel you use.

Common questions

Does South Carolina have its own health insurance exchange?+
No. South Carolina uses the federal marketplace (HealthCare.gov) rather than a state-run exchange. Residents get the full set of ACA plans and federal subsidies.
Where do I enroll in an ACA plan in South Carolina?+
You can enroll on HealthCare.gov, by phone, or through a licensed agent / approved EDE platform. A licensed agent is free to use.
Is the marketplace the same as Medicaid?+
No. The ACA marketplace offers private plans with subsidies; Medicaid is a separate program. Very low incomes may be directed to Medicaid instead.

See if you qualify for a $0 or low-cost plan

Check your subsidy and compare every South Carolina plan you qualify for — then enroll securely online in minutes. It's free to use a licensed agent.

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