Navigating changes in the South Carolina ACA marketplace
We're working alongside local leaders to strengthen care in every ZIP code. As new federal policies adjust timelines and financial assistance, this data helps us offer even better guidance to families navigating their health coverage options.
The Affordable Care Act (ACA) marketplace in South Carolina is experiencing several significant adjustments as we approach the 2026 plan year. These shifts will impact enrollment timelines, premium costs, and documentation requirements. Our goal is to ensure communities have the clear, credible information needed to maintain uninterrupted access to care.
South Carolina marketplace enrollment overview
Understanding regional trends is essential to providing targeted support. Explore the recent marketplace enrollment data by region and county below.
What is changing for the 2026 plan year
Starting in late 2025, several federal rules will alter how South Carolinians sign up for and afford their marketplace plans. Accurate information is one of the most effective tools we have to prevent gaps in coverage.
Expiration of enhanced premium tax credits
Unless Congressional action is taken, the extra financial assistance that lowered monthly premiums for ACA plans will end in December 2025. This means that out-of-pocket costs for premiums could rise for many families. It is important to compare plans carefully to find the most affordable option for your household's budget and medical needs.
Shorter timeframes for income verification
When applying for coverage, some individuals are asked to provide documents (like pay stubs or tax returns) to prove their income. Previously, applicants had up to 150 days to submit these records. Going forward, you will only have 90 days to provide this documentation before financial assistance may be adjusted or coverage canceled.
Changes to special enrollment periods
The Special Enrollment Period (SEP) that allowed lower-income consumers to apply for coverage at any time during the year ended in August 2025. Now, most individuals will need to wait for the standard Open Enrollment period or qualify through a life event (such as marriage, moving, or losing job-based insurance).
Important upcoming dates
- November 1, 2025: Open Enrollment begins for 2026 coverage.
- December 15, 2025: Deadline to enroll for coverage that starts on January 1, 2026.
- January 15, 2026: Open Enrollment ends. (Plans selected between Dec 16 and Jan 15 will start February 1).
Data source: HealthCare.gov Marketplace Enrollment Public Use Files. Visualization provided by SAPHL Data Team.