Charleston, SC · 2027 Open Enrollment

ACA health insurance agent serving Charleston, SC

Larry Hamilton is a licensed South Carolina agent (NPN 11384312) who has helped Lowcountry residents enroll in Obamacare plans since 2014. He works with people across Charleston, Berkeley and Dorchester counties, including Charleston, North Charleston, Mount Pleasant, Summerville, Goose Creek, James Island, West Ashley and Johns Island. Everything is handled by phone and online, so there's no office visit and no driving across the bridges.

2027 Open Enrollment dates

Open Enrollment for 2027 coverage runs November 1, 2026 – January 15, 2027. Enroll by December 15 for coverage that starts January 1.

Who I help in the Lowcountry

• Restaurant, hospitality and tourism workers whose jobs don't offer health benefits
• Self-employed people, including real estate agents, contractors, charter captains and creatives
• Early retirees who moved to the Charleston area before turning 65
• Families whose employer plan costs too much to cover a spouse or children
• People who just moved to South Carolina, which usually qualifies you for a Special Enrollment Period

What changes for 2027 in South Carolina

All six South Carolina Marketplace insurers are returning for 2027, but proposed increases range from about 11% to 45% depending on the insurer. The extra federal subsidies expired at the end of 2025, and the 400% of poverty "subsidy cliff" is back. If your income is near that line, an accurate income estimate matters. See the 2027 subsidy income limits.

Your doctors and hospitals

Networks around Charleston can differ a lot from plan to plan. Before you choose, I'll help you check whether your doctors and preferred hospitals, such as MUSC Health, Roper St. Francis and Trident Medical Center, are in the plan's network.

Medicaid in South Carolina

South Carolina has not expanded Medicaid. If your income is very low, I'll help you see whether you may qualify for Healthy Connections Medicaid instead.

Call 803-851-3589 (calls only) or compare plans by ZIP code.

More South Carolina pages: South Carolina ACA health insurance agent · Columbia, SC · Lexington, SC