South Carolina Health Insurance Pool

The South Carolina Health Insurance Pool (SCHIP) was created by the South Carolina General Assembly by Act 127 of 1989 in order to make health insurance coverage available to residents of South Carolina who were either unable to obtain health insurance because of a medical condition or whose premium for health coverage exceeds 150% of the Pool rate.


SCHIP is a safety net mechanism for accessing health insurance or Medicare Supplement insurance that is funded by the premiums paid by those enrolled in SCHIP coverage and through assessments against insurance companies and HMOs that write health insurance in South Carolina. It is governed by a board of directors and Chapter 74 of Title 38 of the South Carolina Code of Laws.

 

SCHIP coverage is currently open to new applicants that are in need of Medicare Supplement Insurance and are unable to secure this coverage in the private market. 

       




SCHIP coverage is not an insurance policy nor is it a Blue Cross Blue Shield of South Carolina policy. SCHIP coverage is administered by Blue Cross Blue Shield of South Carolina (see contact information on the right side of this page).


Below are links to important documents
relating to SCHIP coverage.

           SCHIP - Major Medical

Policy Forms, Data Pages, Application

  1. SCHIP 80/80 Policy, Data Page, Outline of Coverage (updated 9-18)
  2. SCHIP 80/60 Policy, Data Page, Outline of Coverage (updated 9-18)
  3. SCHIP High Deductible Policy, Data Page, Outline of Coverage (updated 9-18)
  4. SCHIP Application

Rates Effective 1/1/2026                    **New - Added 12/30/2025**

  1. SCHIP 80-60 Rates (Effective 1/1/2026)
  2. SCHIP 80-80 Rates (Effective 1/1/2026)
  3. SCHIP HDHP Rates (Effective 1/1/2026)

Rates Effective 1/1/2025 (Previous Year)

  1. SCHIP 80-60 Rates (Effective 1/1/2025)
  2. SCHIP 80-80 Rates (Effective 1/1/2025)
  3. SCHIP HDHP Rates (Effective 1/1/2025)

       SCHIP - Medicare Supplement

             Coverage Documents

  1. SCHIP Medicare Supplement Plan A Policy (12/02)
  2. SCHIP Medicare Supplement Plan A Amendment (effective 1/1/2020)
  3. SCHIP Medicare Supplement Plan C Policy (12/02)
  4. SCHIP Medicare Supplement Plan C Amendment (effective 1/1/2020)
  5. SCHIP Medicare Supplement Plan D Policy (effective 1/1/2020)
  6. SCHIP Medicare Supplement Application
  7. Medicare Supplement Outline of Coverage - Plans A, C, and D (Effective 1/1/2026)
  8. Medicare Supplement Comparison Chart (Effective 1/1/2026)

Rates Effective 1/1/2026                   **New - Added 12/30/2025**

  1. SCHIP Medicare Supplement Plan A Rates (Effective 1/1/2026)
  2. SCHIP Medicare Supplement Plan C Rates (Effective 1/1/2026)
  3. SCHIP Medicare Supplement Plan D Rates (Effective 1/1/2026)

Rates Effective 1/1/2025 (Previous Year)

  1. SCHIP Medicare Supplement Plan A Rates (effective 1/1/2025)
  2. SCHIP Medicare Supplement Plan C Rates (effective 1/1/2025)
  3. SCHIP Medicare Supplement Plan D Rates (effective 1/1/2025)
  4. Medicare Supplement Outline of Coverage - Plans A, C, and D (effective 1-1-2025)
  5. Medicare Supplement Comparison Chart (effective 1-1-2025)