Health Insurance Plans in Dillon County, South Carolina (2026)
51 ACA marketplace (Obamacare) plans are available in Dillon County, SC, from 4 insurers. The cheapest plan starts at $384.79/month before subsidies.
That ranks 36th lowest of the 46 county areas we track in South Carolina, 7% above the statewide median of $360.93.
Last updated: October 5, 2026 · Source: Official Marketplace Data · How we calculate this
Covers Dillon and Latta.
51
Plans Available
$384.79
Cheapest Plan/mo
4
Insurers
HealthCare.gov
Exchange
Insurers With the Cheapest Plans in Dillon
Plans Available in Dillon
Sorted by monthly premium · 30-year-old · Before subsidies
Everyday Bronze
Ambetter from Absolute Total Care
$384.79/mo
Ded: $8,450
Standard Expanded Bronze
Ambetter from Absolute Total Care
$385.92/mo
Ded: $7,500
Everyday Bronze + Vision + Adult Dental
Ambetter from Absolute Total Care
$397.50/mo
Ded: $8,450
Blue VirtuConnect Bronze 1
BlueCross BlueShield of South Carolina
$411.49/mo
Ded: $7,500
First Choice Next Bronze Essential
First Choice Next
$415.05/mo
Ded: $10,600
BlueEssentials Standard Expanded Bronze
BlueCross BlueShield of South Carolina
$419.16/mo
Ded: $7,500
BlueEssentials Bronze 4
BlueCross BlueShield of South Carolina
$419.30/mo
Ded: $7,200
Elite Bronze
Ambetter from Absolute Total Care
$438.99/mo
Average Premiums in Dillon
Avg Bronze Plan
$433/mo
15 plans
Avg Silver Plan
$578/mo
Benchmark (2nd-lowest Silver): $496.11/mo
Eligible for CSR cost reductions
Deductibles & Out-of-Pocket Limits in Dillon
The premium is what you pay monthly; the deductible is what you pay before the plan starts sharing costs, and the out-of-pocket maximum is the most you can pay in a year. A cheaper premium usually means a higher deductible.
| Metal tier | Plans | Typical deductible | Deductible range | Typical out-of-pocket max |
|---|---|---|---|---|
| Bronze | 15 | $7,500 | $0–$10,600 | $10,000 |
| Silver | 19 | $6,000 | $400–$7,400 | $8,900 |
| Gold | 17 | $2,000 | $250–$4,150 | $8,100 |
Typical is the middle plan in each tier, not an average, since one $0-deductible variant would otherwise drag the figure below anything on offer. Silver plans can carry much lower deductibles than shown if you qualify for cost-sharing reductions. Check what you qualify for.
$0 and low-cost health insurance in Dillon County
At $23,940 a year (150% of the poverty level), a 40-year-old in Dillon County can get at least 7 Bronze plans for $0 a month after the premium tax credit.
| Age | Income $23,940 (150% of poverty level) | Income $31,920 (200% of poverty level) |
|---|---|---|
| 30 | $0 (4+ plans) | $64 |
| 40 | $0 (7+ plans) | $50 |
| 60 | $0 (8+ plans) | $0 (7+ plans) |
Medicaid: South Carolina has not expanded Medicaid. Adults usually need at least 100% of the poverty level ($15,960 a year for one person) to get the premium tax credit, and many adults below that qualify for neither. Children, pregnant women and some parents can still get Medicaid or CHIP.
2026 premiums in Dillon County, scaled by age with the CMS age curve; the credit uses the 2026 IRS percentages. "+" is because only the cheapest plans here are counted, so the real number can only be higher. Federal credit only, non-smokers. Income limits · Calculate your own credit
Health insurance companies in Dillon County compared by price
4 companies sell Marketplace plans in Dillon County. Ambetter from Absolute Total Care has the cheapest Bronze plan for a 40-year-old, at $433/month before subsidies, and BlueCross BlueShield of South Carolina offers the most plans (22). PPO plans come from BlueCross BlueShield of South Carolina. HSA-eligible plans come from BlueCross BlueShield of South Carolina, Ambetter from Absolute Total Care, First Choice Next.
| Company | Plans | Bronze | Silver | Gold | Networks |
|---|---|---|---|---|---|
| BlueCross BlueShield of South Carolina | 22 | $463 | $673 | $698 | EPO, PPO, HSA |
| Molina Healthcare | 12 | None | $621 | $638 | HMO |
| Ambetter from Absolute Total Care | 9 | $433 | $553 | $578 | HMO, HSA |
| First Choice Next | 8 | $467 | $606 | $684 | HMO, HSA |
Each company's cheapest plan in each tier, from every Marketplace plan sold in Dillon County. Networks and doctors vary by plan, so check the provider directory before you enroll.
Nearby Counties in South Carolina
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More South Carolina Health Insurance Guides
Health Insurance in South Carolina
Compare South Carolina's top-rated plans, ranked by official quality scores. See how Dillon's $384.79/mo starting premium compares to the statewide picture.
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Enter your ZIP, age, and income for Dillon to see subsidy-adjusted prices.
Compare plansFrequently asked questions about ACA insurance in South Carolina
What is the health insurance marketplace in South Carolina?
The South Carolina (SC) health insurance marketplace is the federal ACA Marketplace at HealthCare.gov, operated by the federal government. Policymage lists 51 South Carolina plans with live marketplace premium data. Open Enrollment runs November 1 through January 15.
How do I compare health insurance plans in South Carolina?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 4 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in South Carolina start from $384.79/month before subsidies.
Which Medicaid plan is best in South Carolina?
South Carolina has not expanded Medicaid, creating a coverage gap for adults below 100% FPL. South Carolina Medicaid still covers eligible children, pregnant women, parents, and people with disabilities. For ACA Marketplace plans with subsidies, shop at HealthCare.gov during Open Enrollment.
Is short-term health insurance available in South Carolina?
Short-term health insurance is sold outside the ACA Marketplace in South Carolina by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at HealthCare.gov during Open Enrollment (November 1 to January 15). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in SC?
Health insurance in SC starts as low as $384.79/month for a 30-year-old on a Bronze plan before subsidies. Most South Carolina residents who qualify for APTC pay significantly less, some as low as $0/month for a Bronze plan.
What is the cheapest health insurance option in SC for 2027?
The cheapest ACA option in SC for 2027 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan. Both carry the lowest monthly premium in exchange for a higher deductible. Compare exact South Carolina plans and prices at policymage.com/get-quotes.
How do I get health insurance in South Carolina?
To get health insurance in South Carolina, enroll in an ACA Marketplace plan through HealthCare.gov during Open Enrollment, which runs November 1 through January 15. Plans start at $384.79/month before subsidies. You need your ZIP code, household size, and estimated annual income to apply. Outside Open Enrollment you need a Qualifying Life Event (job loss, marriage, birth, or a move) to enrol through a Special Enrollment Period.
What is the best health insurance in South Carolina?
There is no single best health insurance plan in South Carolina; total annual cost depends on your doctors, prescriptions, and how much care you use. Policymage does not recommend plans. It lets you compare 51 South Carolina plans on premium, deductible, network, and quality rating. Total annual cost is the premium × 12 plus your expected deductible and copays. Cost-Sharing Reductions lower deductibles and copays for incomes between 100% and 250% FPL, and apply only to Silver plans.
How much is health insurance in South Carolina per month?
Health insurance in South Carolina starts at $384.79 per month for a Bronze plan for a 30-year-old, before subsidies. Most residents who qualify for APTC tax credits pay considerably less, and some pay $0/month for a Bronze plan. Your exact monthly cost depends on age, county, household size, and tobacco use.
How do I get free health insurance in South Carolina?
South Carolina has not expanded Medicaid, so adults earning under 100% of the Federal Poverty Level fall into a coverage gap where they qualify for neither Medicaid nor Marketplace subsidies. South Carolina Medicaid still covers eligible children, pregnant women, parents, and people with disabilities. Above 100% FPL (about $15,960/year for an individual), APTC subsidies bring some Marketplace plans to $0/month.
When does Open Enrollment end in South Carolina for ACA plans?
Open Enrollment for South Carolina residents runs from November 1 through January 15. South Carolina uses the federal Marketplace at HealthCare.gov, which has a January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does health insurance cost in South Carolina?
Health insurance in South Carolina starts as low as $384.79/month for a 30-year-old on a Bronze plan before subsidies. With APTC tax credits, many South Carolina residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does South Carolina use HealthCare.gov or its own state exchange?
South Carolina uses the federal Health Insurance Marketplace at HealthCare.gov. The federal government (CMS) operates the exchange, processes applications, and calculates subsidies for South Carolina residents.
Has South Carolina expanded Medicaid under the ACA?
No. South Carolina has not expanded Medicaid, which creates a "coverage gap" for adults earning less than 100% of the Federal Poverty Level; they typically don't qualify for Medicaid OR Marketplace tax credits. South Carolina Medicaid still covers low-income children, pregnant women, parents, people with disabilities, and seniors needing long-term care.
What are the income limits for ACA subsidies in South Carolina?
Premium tax credits cover household income from 100% to 400% of the Federal Poverty Level: about $15,960 to $63,840 a year for an individual, or $33,000 to $132,000 for a family of 4. Above 400% FPL there is no credit in 2027: the enhanced rules that removed that limit expired after 2025. Use the HealthCare.gov subsidy calculator for your exact estimate.
What are the metal tiers in South Carolina (Bronze, Silver, Gold, Platinum)?
South Carolina ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in South Carolina?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in South Carolina through HealthCare.gov. For 2026, HDHPs must have a deductible of at least $1,700 (individual) or $3,400 (family), and you can contribute up to $4,400 (individual) or $8,750 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do South Carolina ACA plans cover dental and vision?
South Carolina ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits, but adult dental and vision are not federally required. Most South Carolina plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through HealthCare.gov or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in South Carolina?
Outside Open Enrollment, South Carolina residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through HealthCare.gov.
How do I find in-network doctors and hospitals in South Carolina?
Each South Carolina ACA plan has its own provider network. Before enrolling, look up the plan on HealthCare.gov, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). Out-of-network costs can exceed the premium difference between plans.
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