Health Insurance in North Charleston, SC

Health Insurance Carriers in North Charleston, SC

Residents of North Charleston can compare health insurance plans from the following carriers during Open Enrollment (November 1–January 15): BlueCross BlueShield of South Carolina, Ambetter from Absolute Total Care, Molina Healthcare. The dominant carrier in most North Charleston ZIP codes is BlueCross BlueShield of South Carolina.

North Charleston is served by Trident Health (HCA) and MUSC Health, the academic medical center of the Medical University of South Carolina. MUSC is one of the state's premier academic medical systems.

2026 Plan Data for Residents in North Charleston

Here is what is actually filed and for sale in Charleston County for 2026.

• North Charleston sits in Charleston County, where 4 carrier(s) have filed 60 plans for 2026: Ambetter from Absolute Total Care, BlueCross BlueShield of South Carolina, First Choice Next, Molina Healthcare.
• Plan types available to North Charleston residents: EPO, HMO, PPO.
• One of the lower-cost Silver options is Molina Silver Core from Molina Healthcare — $510/month at age 40 with a $6,000 deductible and $35 primary care.

Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. Full-price filed rates before premium tax credits; not a quote or an offer of coverage. Verify current rates at enrollment.

Hospitals and Health Systems in North Charleston

Major hospital systems and facilities serving North Charleston include:

• Trident Medical Center (HCA Health System)
• MUSC Health – University Medical Center
• Roper Hospital (Charleston)

Network coverage varies by plan. Before enrolling, confirm your preferred hospital is in-network by checking the plan’s provider directory or calling member services.

Urgent Care Centers in North Charleston

Urgent care facilities in the North Charleston area include:

• Trident Immediate Care
• MUSC Health Urgent Care
• AFC Urgent Care North Charleston

ACA Subsidies and Medicaid in North Charleston

Residents of North Charleston may qualify for ACA premium tax credits if household income falls between 100% and 400% of the federal poverty level (~$15,650–$62,600 for a single adult in 2026). Apply through healthcare.gov or a licensed broker during Open Enrollment or after a qualifying life event.

North Charleston Health Insurance Market Profile

• Population: 117K
• County: Charleston County
• Median Household Income: $50,000 (~319% of the 2026 FPL)
• Marketplace: healthcare.gov