Affordable, Comprehensive Group Benefits For South Carolina Businesses
Welcome to Taylor Online Benefits – a leading provider of employee benefits and healthcare plans in South Carolina. Backed by in-depth industry knowledge and skills, our team of insurance experts is here to help you provide competitive and affordable employee insurance options customized to your needs.

Your business is unique, and rubber-stamping an insurance package is simply not an optimal solution. The health care plans we offer are custom-tailored to your unique requirements.
As an independent group insurance agent, Taylor Online Benefits is not limited by the options available from any particular insurance carrier or any particular type of plan. You will have access to a wider variety of healthcare choices through our agency than if you were to settle for a single provider.
South Carolina’s health insurance marketplace is complex, and finding the best solution for your business requires expert help. For more information about the health benefits that local employers must offer under regulations set by the Affordable Care Act, see this webpage maintained by the South Carolina Department of Insurance.
Call Taylor Online Benefits at 800-903-6066 to discover the healthcare and benefits plan choices available to your business. We offer free estimates through our online request form, located on the right side of this webpage. There’s no obligation, so get started today!
South Carolina Large Group Health Insurance Plans
One of the significant components of the Affordable Care Act (ACA) is the requirement that insurers include coverage for the following ten minimum essential coverage benefits in all plans:
- Ambulatory patient services (outpatient care)
- Emergency services
- Hospitalization, including surgical and medical
- Maternity and newborn care, including delivery
- Mental health and substance use disorder services
- Prescription drugs
- Rehabilitative services and devices
- Laboratory services
- Preventative and wellness services, including chronic disease management
- Pediatric services, including dental and vision care for children under the age of 19
In addition to the required inclusion of these group plans, health care services must be affordable, defined as charging premiums that do not cost more than 9.12 percent of the subscriber’s gross income. The coverage must absorb sixty percent of the cost for a typical patient.
In some states, insurance must cover more services. South Carolina has added to the requirements, mandating these benefits:
- Congenital anomaly (cleft palate)
- Diabetes care and supplies
- Reconstructive surgery following mastectomy
- Off-label prescription drug coverage
It’s also important to note that lifetime limits on coverage are prohibited. However, employers can choose the delivery structure for the plan they want to offer their workers, allowing them to provide one option or more than one that meets the other requirements. For example, the company can choose a traditional indemnity plan.
More commonly, businesses offer coverage through HMOs, PPOs, or Point of Service programs. Further, employers of any size can offer group coverage.
South Carolina Small Business Health Insurance Plans
Small businesses with fewer than fifty full-time employees don’t have to offer health insurance coverage per the provisions of the ACA, although many do. Since many workers want the benefit, businesses competing for talent make an effort. They also qualify for a tax credit of up to 50% of the employees’ monthly premiums.
Small Business Health Options (SHOP) is a resource that the ACA created to assist. Your firm can learn more about the discounts and support available by consulting with your Taylor Benefits Insurance representative. However, to qualify for small business health insurance plans, the number of employees should not exceed 50.
South Carolina Employee Benefits Plans and Employee Benefits Packages
South Carolina doesn’t require employers to provide health insurance coverage and any specific benefits to workers. The perks that employees prioritize are typically headed by health insurance coverage and paid time off, followed by these:
- Family leave
- Retirement support
- Dental and vision insurance
- Flexible working schedules
- Childcare support (and elder care assistance)