Affordable Care Act

What is the Affordable Care Act?

In March of 2010, the federal government passed the Patient Protection and Affordable Care Act (PPACA) and the Health Care and Education Reconciliation Act. Together, these laws are referred to as the Affordable Care Act (ACA). The ACA is also commonly referred to in the media and public reports by‚Äč other names, such as health care reform, PPACA, Obamacare, and the health care law.  

The ACA includes changes that impact the entire U.S. health care system, including substantial changes to health insurance products and the regulations that govern them. The South Carolina Department of Insurance (SCDOI) has prepared the information on this website to serve as a resource for consumers in South Carolina. For more information, please visit the U.S. Department of Health and Human Services' website, Additional resources are listed below and on the Helpful Links page on the left side of this page.

Recent Updates from SCDOI

Looking for information on 2016 Plans?  We'll be posting details on this page in early to mid-October, so check back often for updates.

Open Enrollment for 2016 Plans: November 1, 2015 - January 31, 2016

Contact Information for the Federally-facilitated Marketplace and Local Assistance Updated 09-14-2015

Resources for Individual and Small Group Plans with Effective Dates in 2015

Sample Rate Scenarios for Individual Market Coverage Available in the Federally-facilitated Exchange 
Premium comparisons are provided for self-only coverage purchased in Charleston, Greenville, Horry, Richland, or York County meeting the following criteria:
2015 Maximum, Minimum, and Overall Average Rate Changes: 
Chart of 2015 Plans Available in the Private Market (Outside of the State's Federally-facilitated Exchanges) 

Information for 2015 Qualified Health Plans:
  1. List of Companies with Overview of Availability, Contact Information, and Plan/ Network Options (click here)
  2. Chart of QHPs by Metal Level (click here)
  3. Cost Sharing Chart: Individual Market FFE (click here)
  4. Cost Sharing Chart: Small Group Market FF-SHOP (click here)
  5. County Availability Chart (click here)
  6. List of Exchange-Certified Stand-alone Dental Plans (click here)

Resources for Individual and Small Group Plans with Effective Dates in 2014

Other Useful Resources

SCDOI Consumer Alerts
Call Center: 1 (800) 318-2596
The is the official federal website for the federally-facilitated exchanges, managed by the U.S. Centers for Medicare and Medicaid Services.

Public Information on Rate Reviews
Under the ACA, every premium rate increase of 10% or more for non-grandfathered coverage in the individual and small group markets must be reviewed and made publicly available.  This federal website allows consumers to search for rate requests that meet or exceed the 10% threshold by state.

Kaiser Family Foundation
This website includes helpful information for consumers and employers regarding the Affordable Care Act.  One example is a flowchart to help consumers understand the individual mandate (available online by clicking here).

Center for Consumer Information and Insurance Oversight (CCIIO)
CCIIO is a part of the U.S. Department of Health and Human Services and oversees the implementation of the ACA's provisions relating to private health insurance.

NAIC Special Section: PPACA and State Insurance Regulation
The National Association of Insurance Commissioners (NAIC) is an organization of the chief insurance regulators from across the U.S. This website includes useful information for consumers, industry, and state insurance regulators.