More Than Insurance, A Guide You Trust

One-on-One Insurance Support for South Carolinians, From Medicare to ACA and Beyond

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2027 Annual Enrollment—Stay Ahead of Key Dates

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Medicare: 10/15/26–12/7/26

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ACA: 11/1/26–1/15/27

Coverage Guidance for Every Chapter

Under Age 65 — Understand Your ACA Options

Under Age 65 — Understand Your ACA Options

The Affordable Care Act (ACA) has changed the way health insurance is purchased in the United States. Individuals and their families must enroll during the annual open enrollment period or risk being without health insurance for the next calendar year, unless they qualify for a special enrollment period granted by the Federal Health Insurance Marketplace. Subsidies are available for qualified applicants.

Over Age 65 — Make Sense of Your Medicare Options

Over Age 65 — Make Sense of Your Medicare Options

Medicare-eligible individuals can enroll at age 65, or earlier if they have been disabled for 24 months. They also have the option of changing the way they receive Medicare benefits during each annual open enrollment period.

Learn what options are available and how to avoid lifelong penalties for not enrolling when first eligible. You may also qualify for extra help from Social Security to help pay for prescription drugs or a Medicare Savings Plan that could reimburse the Medicare Part B premium that is deducted from your Social Security benefits.

Employers—Focus on Your Business, Not Healthcare Mandates

Employers—Focus on Your Business, Not Healthcare Mandates

As an employer, wouldn't you rather concentrate on building your business than dealing with the mandates of providing health insurance for your employees? As costs continue to rise and the potential for heavy penalties for non-compliance with the new healthcare law can be daunting, we are ready to assist. Our expertise includes:

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    Traditional group plans

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    SHOP plans

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    Flexible Employee Benefit Options

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    Tax-advantaged retirement plans for you and your employees

Explore More Insurance Services

Health Insurance

Contact us for a customized quote and apply online for coverage.

Group Health Insurance

Compare traditional group plan costs with our Flexible Employee Benefit Option.

Medicare Options

See what options you have available for Medicare.

Dental / Vision / Life

Explore plans offering up to $3,500 in annual dental benefits, along with vision and life coverage options.

Important Medicare Information

By dialing the phone number, you will contact a licensed insurance agent. We do not offer every plan available in your area. Currently, we represent 5 organizations that offer 52 products in your area. Please contact Medicare.gov, 1 (800) MEDICARE (TTY users call 1 (877) 486-2048) 24 hours a day, 7 days a week, or your local State Health Insurance Program (SHIP) to get information on all of your options.

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Your Questions, Our Next Conversation

Whether you’re exploring ACA options, preparing for Medicare, or seeking benefits for your employees, Dr. Copay & Associates™ is here to make the next step feel simpler. With personal support and practical guidance, we’re ready to help you move forward with greater clarity.