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Obamacare in South Carolina

There are 210,331 beneficiaries in South Carolina that rely on the Affordable Care Act, also known as Obamacare, to provide their primary health insurance. The Affordable Care Act introduced many changes to the way that healthcare works. Many of the eligibility requirements have been changed or outright removed. Additional policies were also put into place. For example, parents are now able to share their health insurance coverage with their children until they turn 27. This has led to a huge increase in the number of younger beneficiaries that have health insurance coverage. More information about Obamacare coverage in South Carolina is covered in the following areas:

  • Did South Carolina accept the Obamacare Medicaid expansion?
  • Does the state or federal government run the health insurance exchange in South Carolina?
  • Eligibility for Obamacare in South Carolina
  • How to apply for Obamacare in South Carolina
  • Health plan cost and availability in South Carolina

Did South Carolina Accept the ACA Medicaid Expansion?

What is the Obamacare Medicaid expansion? The Affordable Care Act Medicaid expansion is an optional part of Obamacare that was offered to each of the states. The Obamacare Medicaid expansion was not accepted in South Carolina. The ACA Medicaid expansion cost to states is one of the reasons why several states, including South Carolina, did not want to accept the expansion of Medicaid.  State legislators were concerned with the additional money this would require, and the financial burden it would place upon the taxpayers. To date, SC has opted not to accept the expansion packages. South Carolina may, however, in the future determine to reconsider and can elect to adopt it at a later date.

Beneficiaries who are wondering what is the expansion of Medicaid can look up some of the details online. One of the main Obamacare Medicaid expansion details has to do with changing some of the Obamacare Medicaid eligibility requirements. Applicants who were under the federal poverty level by 133 percent became eligible for free coverage on the Obamacare Medicaid application where the expanded plan is used. Even though the expanded plan was not accepted, South Carolina still has the normal Medicaid plan available to applicants.

Does the State or Federal Government Run the Health Insurance Exchange in South Carolina?

What is the marketplace for health insurance in South Carolina? The federal government presented states with the option of running their own marketplace, or using the federally run Obamacare health insurance exchange to sell plans. What is the health insurance exchange in South Carolina? The health insurance exchange acts as an Obamacare healthcare marketplace. Applicants can use the Obamacare healthcare marketplace to search online through all of the different insurance providers and see what type of plans are being offered in South Carolina. The health insurance exchange is also where applicants can go to handle any online submissions. It also allows applicants to get an idea of what sort of discounts or tax benefits might apply to them.

Having the federal government run the health exchange takes the burden off of the state of South Carolina. The federal government ensures that all of the health insurance exchange regulations are met, and the federal government has to cover the cost of maintaining the marketplace.

Eligibility for Obamacare in South Carolina

Who is eligible for Obamacare coverage? One of the key achievements that the Affordable Care Act set out to do was change health insurance regulations. Because of that, how to qualify for Obamacare is very simple. In regards to, what are the requirements to apply for Obamacare, applicants have to be a legal United States citizen, reside in South Carolina, and not be currently serving time in a correctional facility. Insurance plans might still have different Obamacare coverage eligibility requirements, since there are several tiers of insurance plans available. There are no Obamacare income requirements that will keep applicants from getting at least some basic level of coverage. The reason that the Obamacare application requires financial information is to determine what sort of tax benefits and discounts the applicant is qualified for.

How to Apply for Obamacare in South Carolina

How to enroll in Obamacare is a fairly easy process. What is needed to sign up for Obamacare in South Carolina? When determining how to get Obamacare, an applicant will want to have any information that pertains to his or her past finances. To answer more specifically “What do I need to apply for Obamacare?” applicants are going to want to gather any past pay stubs, tax returns, and any information on previous health insurance plans that the applicant had. Applicants with existing medical conditions will also want to have documentation for anything regarding their condition, such as if they were receiving disability benefits from the state.

Need to know where to apply for Obamacare insurance? Most applicants want to know “Can I apply online for Obamacare coverage in South Carolina?” It is very common for applicants to use the health insurance exchange to submit online applications. In regards to how to apply for Obamacare insurance, it is also possible to submit an application by mail. Applicants who want help with an agent can either go in person, or apply over the phone to get additional assistance.

Health Plan Cost and Availability in South Carolina

What most applicants want to know is “How much will Obamacare insurance cost me in SC?” Obamacare health insurance plans costs are determined by a few things. Currently, there are five insurance providers in South Carolina, each with their own insurance plans. Although there are only five providers, South Carolina has an impressive 59 health plans available in the state. The number of plans is even more impressive considering the previous year they only had 25. For those who ask, “How much does Obamacare cost?” the answer depends on which of those 59 plans the applicant wants.

Obamacare health insurance price estimates are available through the health exchange. In South Carolina, 88 percent of all beneficiaries are eligible for $278 worth of tax credits each month. In addition, 69 percent of the beneficiaries pay less than $100 each month after applying tax credits.