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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
Presenter speaking to seated audience in a bright meeting room, holding a tablet beside a wall screen.
September 9, 2026
Most employees don't understand their benefits, and it's costing employers money. Learn practical ways to improve health care literacy at your organization.
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.
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