Affordable Care Act

What is the Affordable Care Act?

In March of 2010, the federal government passed the Patient Protection and Affordable Care Act (PPACA) and the Health Care and Education Reconciliation Act. Together, these laws are referred to as the Affordable Care Act (ACA). The ACA is also commonly referred to in the media and public reports by‚Äč other names, such as health care reform, PPACA, Obamacare, and the health care law.  

The ACA includes changes that impact the entire U.S. health care system, including substantial changes to health insurance products and the regulations that govern them. The South Carolina Department of Insurance (SCDOI) has prepared the information on this website to serve as a resource for consumers in South Carolina. For more information, please visit the U.S. Department of Health and Human Services' website, Additional resources are listed below and on the Helpful Links page on the left side of this page.

Recent Updates from SCDOI

Sample Rate Scenarios for Individual Market Coverage Available in the Federally-facilitated Exchange New! Updated 10-20-2014
Premium comparisons are provided for self-only coverage purchased in Charleston, Greenville, Horry, Richland, or York County meeting the following criteria:
2015 Maximum, Minimum, and Overall Average Rate Changes: New! Added 10-10-2014
Chart of 2015 Plans Available in the Private Market (Outside of the State's Federally-facilitated Exchanges) New! Added 10-10-2014

Information for 2015 Plans:
  1. List of Companies Seeking Exchange Certification with Overview of Availability, Contact Information, and Plan/ Network Options (click here)
  2. Chart of Plans Seeking QHP Certification by Metal Level (click here)
  3. Cost Sharing Chart: Individual Market FFE (click here)
  4. Cost Sharing Chart: Small Group Market FF-SHOP (click here)
  5. County Availability Chart for Plans Seeking QHP Certification (click here)
  6. List of Stand-alone Dental Plans Seeking Exchange Certification (click here)

Contact Information for the Federally-Facilitated Exchange and Local Assisters Updated 01-29-2015

CONSUMER ALERT: Enrolled? Insured? Don't Know? What To Do After Enrollment

List of Carriers Offering Renewal of Non-Grandfathered Health Plans Under Transitional Policy
Related: Bulletin 2013-12 (11-19-2013)
Bulletin 2013-12 Addendum A (11-24-2013)
Bulletin 2014-05 - Addendum B to Bulletin 2013-12 (08-14-2014)

Exchange-Certified Stand Alone Dental Plans Available in the Individual and Small Group Markets with Company Contact Information

Health Insurance Plans Available Outside of the State's Federally-facilitated Exchanges in 2014

Health Insurance Plans Certified for Sale in the State's Federally-facilitated Exchanges in 2014

CONSUMER ALERT: Scammers Take Advantage of Health Reform Confusion - Consumers Be On Alert

Media Release: SCDOI Completes Review of Health Insurance Forms and Rates for Products Under the Affordable Care Act

Other Useful Resources
Call Center: 1 (800) 318-2596
The is the official federal website for the federally-facilitated exchanges, managed by the U.S. Centers for Medicare and Medicaid Services.

Center for Consumer Information and Insurance Oversight (CCIIO)
CCIIO is a part of the U.S. Department of Health and Human Services and oversees the implementation of the ACA's provisions relating to private health insurance.

NAIC Special Section: PPACA and State Insurance Regulation
The National Association of Insurance Commissioners (NAIC) is an organization of the chief insurance regulators from across the U.S. This website includes useful information for consumers, industry, and state insurance regulators.

Kaiser Family Foundation
This website includes helpful information for consumers and employers regarding the Affordable Care Act.  One example is a flowchart to help consumers understand the individual mandate (available online by clicking here).