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South Carolina Small Business Health Insurance

South Carolina's southern location and the chance at resort-style living attracts many people to the state, including those who are interested in forming a small business. The southern hospitality of the inland areas combines nicely with the progressive and often upscale atmosphere of the coastal areas to allow the small business owner to reach a diverse set of employees and customers.

With constant chance of expansion and growth, small businesses in South Carolina are beginning to feel the tug of competition. To get ahead of the curve, many small employers are offering health insurance to encourage employees to work for them. However, by 2003 only 39.9% of small businesses offered insurance. Fortunately, state legislation has stepped in to help small businesses gain more attention with the advent of the HSA. In addition, insurance carriers are hard at work, providing small employers affordable and attractive health insurance options, in accordance with the state's insurance regulations.

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Featured South Carolina Small Business Health Insurance Providers

If you are looking for information on Individual or Family Plans in South Carolina, products are available from the following:

• Blue Cross and Blue Shield of South Carolina
  
  
• Celtic Insurance Company
  
  
• Golden Rule
  

South Carolina’s Small Business Health Insurance Regulations

• Guaranteed issue and renewability is in effect; insurance carriers must offer employers of 2-50 workers the same health plans they offer other small businesses, and cannot cancel a plan due to the health status of a group member.
  
  
• Insurance carriers have to offer small business employees access to a standardized plan. Non-standard plans are also available.
  
  
• Carriers covering small businesses can vary group premiums due to health status and risk, but only by a limited percentage.
  
  
• The self-employed worker cannot enroll in a group plan. Those who enroll in an individual policy can deduct 70-90% of the cost of their premiums on their federal return.

Request a free online quote for more information on Small Business solutions in South Carolina >>