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Welcome to Cooner Insurance Agency

Cooner Insurance Agency is a locally-owned, independent agency. We help individuals, families, seniors, and small businesses across South Carolina find health insurance and employee benefits that make sense. Based in the Charleston area and serving clients throughout the Lowcountry, including Berkeley and Dorchester Counties, we focus on Medicare, ACA health plans, life insurance, supplemental coverage, and group benefits for businesses of every size. Our agency was built on a simple belief: insurance should be personal,  transparent, and  easy to understand. Whether you're comparing plans for the first time or reviewing coverage you've had for years, we're here to walk you through it.

Our Services

Medicare Coverage

We are here to help you understand Medicare Parts A, B, C, and D. Receive unbiased guidance to make informed decisions about your Medicare coverage.

Individual Health Insurance

Let us help you find tailored health insurance plans from top providers. We'll work with you to get the medical coverage you need at a price that fits your budget.

Life Insurance

Secure the financial future of your loved ones in case you can’t be there to provide. Choose from a range of coverage options to suit your needs.

Workplace/Group Insurance

Attract top talent with comprehensive group health benefits. We will help you understand the array of employer-sponsored plans available for your team.

Dental and Vision Insurance

Discover affordable coverage options that reduce your out-of-pocket costs for routine vision and dental services. Get the care you need for complete health.

Why Choose Us

Cooner Insurance Agency was founded on the idea that insurance should feel like a conversation with someone who genuinely has your back, not a transaction. Meet the local, family-run team behind that promise.




Ongoing Support

We’re here year-round to answer questions, review changes, and help with claims or renewals.

Trusted Advisors

As licensed, independent brokers, we represent you—not the insurance companies.

Simple Explanations

We break down complex terms and options into plain language so you feel confident in your coverage decisions.

Reviews

What clients say about us

Nothing means more to us than the trust of our clients. Here are some of their stories.

Helpful Tips & Insights

Blog
Man in a blue suit sits at a desk, holding his forehead with a worried expression in an office.
September 2, 2026
ACA tax credit repayment rules changed for 2026. Learn why you may have to repay excess Marketplace subsidies and how to reduce the risk of a tax bill.
Person in red shirt and black shorts lying on a sandy beach, leaning on one elbow, looking pained.
July 29, 2026
Where you go for care can affect your bill by thousands. A practical guide to choosing between the ER, urgent care, telehealth, and your primary care doctor.
Four people collaborating around a table with papers, laptops, and a colorful board in a bright office
July 22, 2026
Help your employees choose the right health insurance plan. Learn the 6 most common open enrollment mistakes and how employers can help avoid them.
Person typing on a laptop at a desk, gesturing with one hand in a bright home office.
July 15, 2026
Open enrollment for 2027 ACA coverage ends earlier. Find the currently-known national schedule and your state's timelines here.
Person lying on a gray sectional sofa under a teal blanket in a living room.
July 10, 2026
GLP-1 medications help you eat less — but eating less can mean fewer nutrients. Here's what the latest research shows and how to eat well.
Top view of two opened soda cans with blue tab tops and condensation droplets on a blue background
September 24, 2025
As the summer sun beckons and thirst levels rise, it's tempting to reach for a cold, fizzy beverage. But before you pop open that soda can, consider this: your drink choice has long-term implications for your health. The Hidden Risks in Your Glass A comprehensive study by the International Agency for Research on Cancer (IARC) analyzed data from over 451,000 individuals across 10 European countries over a 16-year period. The findings revealed that consuming two or more 250 ml glasses of soft drinks daily—whether sugar-sweetened or artificially sweetened—was associated with a higher risk of all-cause mortality compared to those who drank less than one glass per month. Delving deeper: Artificially Sweetened Beverages : Individuals consuming two or more glasses daily had a 26% higher risk of death compared to those who consumed less than one glass per month. Specifically, there was a 52% increased risk of death from circulatory diseases. Sugar-Sweetened Beverages : Those consuming one or more glasses daily faced a 59% higher risk of death from digestive diseases. All Soft Drinks : A notable association was found between soft drink consumption and increased mortality from Parkinson's disease. Alternatives That Aren’t Any Healthier Think fruit juice or energy drinks are a safer bet? A study involving 13,440 U.S. adults aged 45 and older found that each additional 12-ounce serving of sugary beverages, including 100% fruit juice, was linked to an 11% higher risk of all-cause mortality. Specifically, each additional 12-ounce serving of fruit juice was associated with a 24% increased risk. Watch the sugar content of iced coffee beverages and alcoholic cocktails as well. Lifestyle Factors Matter, Too It's essential to note that high soft drink consumption often correlates with other unhealthy lifestyle choices. The IARC study observed that individuals who drank more soft drinks typically had higher body mass indexes and were more likely to smoke. Even after adjusting for factors like diet, physical activity, smoking, and education, the association between soft drink consumption and increased mortality risk remained significant. Refreshing Alternatives for the Season Looking to quench your thirst without compromising your health? Here are some delightful, healthier options: Infused Water : Add slices of citrus fruits, cucumbers, or berries to your water for a refreshing twist. Herbal Iced Teas : Brew teas like hibiscus or mint, chill them, and enjoy over ice. Sparkling Water with a Splash : Mix sparkling water with a splash of 100% fruit juice for a fizzy treat. Homemade Lemonade : Use fresh lemons, water, and a touch of natural sweetener like honey or stevia. Coconut Water : A natural source of electrolytes, perfect for rehydration. Final Thoughts Summer is a time for relaxation and enjoyment. By making informed beverage choices, you can savor the season while prioritizing your health. So, the next time you're reaching for a drink to beat the heat, consider these healthier alternatives. Your body will thank you!
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