Affordable Care Act


2020 Individual & Small Group Health Plans


Individual Market Open Enrollment for 2020 Plans: 


November 1 - December 15, 2019
**Plans Sold During Open Enrollment Start January 1, 2020**


**For Plan Year 2020,  two new carriers will be entering the individual market 
 Molina Healthcare of SC & 
Bright Health Company of SC**



2020 QHPs Available in the Health Insurance Marketplace (Healthcare.gov)
  • BlueCross BlueShield of South Carolina is writing in all 46 counties

  • Molina Healthcare is writing in 20 counties:  Aiken, Allendale, Bamberg, Barnwell, Calhoun, Charleston, Clarendon, Colleton, Dillon, Edgefield, Fairfield, Kershaw, Lee, Lexington, McCormick, Marion, Marlboro, Orangeburg, Saluda, and Williamsburg

  • Absolute Total Care is writing in 12 counties:  Beaufort, Berkeley, Charleston, Chester, Colleton, Dorchester, Florence, Horry, Jasper, Lancaster, Marion, and York 

  • Bright Health is writing in three counties:  Anderson, Greenville, and Pickens

View County Availability Chart and Map by clicking here.

Sample Rate Scenarios for Individual Market Coverage Available in the Federal Health Insurance Marketplace
Premium comparisons are provided for self-only coverage purchased in Charleston, Greenville, Horry, Richland, or York County meeting the following criteria:

 
 2020 Maximum, Minimum & Overall Average Rate Changes   

 

Individual Market  Small Group Market 
Note: For instructions on how to access copies of rate filings, please click here.


Consumer Justification Narratives for
 Rate Increases
South Carolina requires all health insurance issuers offering ACA plans in the individual or small group markets to submit a simple and brief narrative describing the reasons for a rate increase.  Copies of those narratives are available in the publicly available rate filings (see instructions on how to access them here) but are also provided below for public review.

Individual Market 

Absolute Total Care (available through Healthcare.gov & the private market) 
BlueCross BlueShield of South Carolina (available through Healthcare.gov
& the private market)
BlueChoice Health Plan (available through the private market only)

 

Small Group Market


(all plans are sold strictly through the private market) 

Contact Information for the Federally-facilitated
Health Insurance Marketplace:
www.healthcare.gov or 1 (800) 318-2596

Find Local Help:


Other Useful Resources

Public Information on Rate Reviews
Website: ratereview.healthcare.gov
Under the ACA, every premium rate increase of 10% or more for non-grandfathered coverage in the individual and small group markets must be reviewed and made publicly available.  This federal website allows consumers to search for rate requests that meet or exceed the 10% threshold by state.

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.

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.