Insurance tips, enrollment guides, and Lowcountry coverage updates.
Medical residency ends June 30 but your new job's insurance may not start until August. Here's exactly how Charleston-area residents can avoid a costly 30-45 day gap with a marketplace SEP.
Transitioning from Joint Base Charleston to civilian life or PCS'ing out? Here's the TRICARE-to-civilian insurance handoff every SC military family needs, including the 60-day window that can cost you thousands if you miss it.
Hurricane season starts June 1. Before it does, every Lowcountry family should run a 30-minute health insurance checkup. Here's exactly what to verify, print, and pack in your go-bag.
Turning 26 in South Carolina? Your parents' health insurance drops you the last day of your birth month. Here's exactly what to do, what SC plans cost, and how to avoid a coverage gap.
A Lowcountry aerospace layoff separated 220+ workers in January. If you're hitting month 4 of COBRA, your subsidy just ended. Here's the math on switching to marketplace and the 60-day window you cannot miss.
Missed the January 15 ACA Open Enrollment deadline in South Carolina? Here's every Special Enrollment Period you might still qualify for, and how to get covered now.
Enhanced ACA premium tax credits expired December 31, 2025. SC self-employed families are facing premium increases up to 98%. Here's what changed and how to survive the Subsidy Cliff in South Carolina.
New posts publish on a pre-scheduled cadence roughly every two weeks, mapped to seasonal insurance events in South Carolina - Open Enrollment, Medicare AEP, tax season, and special enrollment windows. Each post is written by Michelle, not auto-generated, and updated when rules or plan pricing change.
Every post is written by Michelle Blinco Smith, a licensed South Carolina insurance agent. You will not find syndicated content, AI-generated filler, or ghostwritten articles here. Each post reflects real conversations with real Lowcountry clients and is reviewed for accuracy before publishing.
Yes - and I love getting these. If there is an insurance question you could not find a clear answer to, send it to me through the contact form or the newsletter. I often turn common client questions into full blog posts so everyone benefits from the answer.
Most are. I focus on the rules, plans, carriers, and enrollment dates that apply to South Carolina residents - especially in the Charleston, Dorchester, and Berkeley county area. Federal-level topics like ACA subsidies or Medicare rules are covered with SC-specific context and examples.
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