Indiv. / Family

Individual / Family Plans

South Carolinians have the ability to choose from 38 different plans among four carriers beginning in 2014. Just looking into each can be a long and difficult process. Our goal is to make it easier for you.


Where to Start?

First, you need to determine if you qualify for federal assistance (subsidy). If you do, the federal government will send that amount to the carrier of your choice that will be applied to the plan of your choice.

To determine whether you qualify, you will need to provide your zip code, county, annual household income and the number of those to be covered and their birthdates and smoking status (yes or no). Go through this step, even if you know you don’t qualify.


What’s Next?

Once that’s done, our website will automatically deduct any subsidies that apply and show you the estimated net amount you would pay as a monthly premium on each of the 38 plans.


Is It Easy to Compare Those I like?

Yes. Simply click the COMPARE PLANS button to see a side-by-side comparison of multiple plans. You can compare monthly rates, deductibles, co-pays and more.


What Do I Do When I Find the One I Want?

Write down the name of the plan you have selected (you will be required to select it again in the purchase process), and click BUY PLAN. Our system will automatically connect you to the carrier that offers the plan you want. Provide your full information and that of your dependents, then select and purchase your plan.


What Happens Then?

If you qualify for a subsidy, the federal government will automatically notify the insurance company and they will send the monthly subsidy to the carrier. You will be responsible for the adjusted monthly premium amount. The insurance company will send your ID cards, and a welcome packet with information about your coverage and the providers (physicians and hospitals) in the network.


What If I Need Help to Do the Above?

That’s when you contact us and we’ll walk you through the process. You can contact us by phone at 803.708.7405 or by email at Tim@HanburyGroup.com.


What if I Need Help with Claim Issues after I purchase my policy?

If you purchased your plan at HealthCare.gov, directly with the Federal Government’s 800 number, or with a Navigator or Assistor, you’re on your own with claims issues. However, if you purchase your policy through Hanbury Group or HanburyGroup.com, we are your insurance agent and can assist you with the set-up of your first policy and claim issues in the future. Please remember, this is health insurance and coverage issues may arise. As your insurance agent, we assist when questions or problems arise with the carrier or with providers.


Do I Pay More to Have an Agent?

No. Your premium is THE SAME, whether you purchase your policy through us or directly through the carrier. We are the only ones that will act as your advocate with the insurance carrier after the sale.


If I Don’t Qualify, Can I Still Have You as My Agent?

Absolutely. In fact, why would you want to do it any other way? It’s always best to have an experienced insurance agent in your corner when disputes arise.

Get Started

Use our Calculate & Compare tool to view South Carolina plan options and see monthly rates. Once you’ve decided on a plan that is right for you click Purchase Your Plan.

Purchase A Plan


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There is no additional cost for an agent to assist you.

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I'd like an agent to guide me through the process of selecting the right plan for me.
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