Frequently Asked Questions

What is health insurance?

Health insurance is an agreement between you and your insurance company where you pay a monthly amount plus a certain portion of your medical bills, and the insurer (company) agrees to pay the rest. At some point everyone will need medical care. Health insurance is there to help you cover the cost and protect you from very high and unexpected expenses.  Learn More about the Basics of Health Insurance

How does health insurance work?

When you sign up for a health insurance plan, you pay a monthly payment. In exchange, your health insurance company agrees to pay a part of your medical bills if you become sick or get injured.
-Learn more about how health insurance works

What if I already have health insurance?

If you like it – you can keep it!  If you are satisfied with the health coverage you have now, you do not have to change it. However, if you are unhappy with your current health insurance or are uninsured, you can use the marketplace to purchase health insurance that better fits your needs.

What happens if I don’t buy health insurance?

The ACA allows for a person to be fined if he/she fails to purchase health insurance, if affordable health insurance was available. A person WILL NOT be fined if affordable health insurance is not available to them.
Learn more about if you could be fined

What is the Marketplace?

The Marketplace is a new way for uninsured SC residents to find and sign up for an affordable health insurance plan that fits their needs. –Learn more about the Marketplace

How does the Marketplace work?

Turning in the application allows you to see what health insurance plans are available to you through the Marketplace, and if you can get help from the government in paying for health insurance.
Learn more about the Marketplace

Do I have to fill out a lot of forms?

No.  One application is all you have to fill out.  Remember, if you ever have questions or need help – help is always available.

How do I know which plan to choose?

Different plans work for different people. The right plan for you will depend on many things such as how many times you go to the doctor per year, do you see a specialist (such as a heart doctor) or do you need prescriptions filled every month.

What if I have a medical condition — Will it be harder for me to get affordable health insurance?

No.  You cannot be turned down, or have your premiums increased, because you have a preexisting medical condition.

What if I don’t think I will be able to afford health insurance?

Depending on your income and family size, you may be able to get help paying for your health insurance. By completing the application for health insurance through the Marketplace, you will be able to see if you can get a tax credit or subsidy.
Learn more about getting help paying for health insurance

What if I need help or have a question?

Help is available 24 hours a day, 7 days a week by clicking on the “Get Help” button located in the top right corner of the page.