Health Insurance in Hampton County, SC — 2026 Plans & Premiums
67 ACA marketplace plans are available in Hampton County, SC, from 2 insurers. The cheapest plan starts at $353.63/month before subsidies.
67
Plans Available
$353.63
Cheapest Plan/mo
2
Insurers
HealthCare.gov
Exchange
Insurers Serving Hampton
Plans Available in Hampton
Sorted by monthly premium · 30-year-old · Before subsidies
Blue Direction Bronze 1
BlueCross BlueShield of South Carolina
$353.63/mo
Ded: $7,300
Blue Direction Standard Expanded Bronze
BlueCross BlueShield of South Carolina
$358.10/mo
Ded: $7,500
Blue VirtuConnect Bronze 1
BlueCross BlueShield of South Carolina
$373.74/mo
Ded: $7,500
BlueEssentials Standard Expanded Bronze
BlueCross BlueShield of South Carolina
$380.70/mo
Ded: $7,500
BlueEssentials Bronze 4
BlueCross BlueShield of South Carolina
$380.83/mo
Ded: $7,200
BlueExtend PPO Standard Expanded Bronze
BlueCross BlueShield of South Carolina
$409.21/mo
Ded: $7,500
BlueExtend PPO HD Bronze 2
BlueCross BlueShield of South Carolina
$417.09/mo
Ded: $8,300
UHC Bronze Essential-
UnitedHealthcare
$427.98/mo
Ded: $10,600
Average Premiums in Hampton
Avg Bronze Plan
$431/mo
20 plans
Avg Silver (Subsidy Benchmark)
$570/mo
Eligible for CSR cost reductions
Nearby Counties in South Carolina
All Counties in South Carolina
More South Carolina Health Insurance Guides
Best Health Insurance in South Carolina
Compare South Carolina's top-rated plans, ranked by official quality scores — Hampton premiums run differently the statewide picture.
View statewide plans Personalized QuoteSee Your Actual Price
Enter your ZIP, age, and income for Hampton 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 67 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 3 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in South Carolina start from $353.63/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 (Nov 1–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 $353.63/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 Silver plan.
What is the cheapest health insurance option in SC for 2026?
The cheapest ACA option in SC for 2026 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.
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 ACA health insurance cost in South Carolina?
Bronze-tier plans in South Carolina start as low as $353.63/month for a 30-year-old 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 Credit eligibility starts at 100% of the Federal Poverty Level — about $15,650/year for an individual or $32,300/year for a family of 4. South Carolina residents above 400% FPL still qualify if benchmark Silver costs more than 8.5% of their income. 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 $1,650 (individual) or $3,300 (family), and you can contribute up to $4,300 (individual) or $8,550 (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). If you have an existing provider relationship, network match is usually more important than the lowest premium.
Find the Right Plan in Hampton
Enter your ZIP code, age, and income to see all plans available to you — with your actual subsidy applied, or see how Hampton compares to the South Carolina state average.
Free · No account required · No broker fees