Health Insurance Plans in South Carolina
Browse ACA Marketplace plans available to South Carolina residents on the federal exchange. 60 plans available for 2026. Starting from $343/month.
Lowest Monthly Premium
$343/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$443/mo
18 plans available
Avg Silver (Benchmark)
$578/mo
Basis for APTC subsidy calculation
Plans by Metal Tier
Average premiums for a 30-year-old individual in Columbia, SC
Lowest monthly premium, highest cost-sharing. Best if you're healthy and rarely use care.
$443/mo avg
from $343 – $513
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$578/mo avg
from $506 – $713
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$612/mo avg
from $531 – $720
Lowest-Premium Plans Available
Sample plans near Columbia — enter your ZIP for exact results
Blue Congaree Bronze 2
BlueCross BlueShield of South Carolina
$343/mo
Ded: $10,600
Blue Congaree Standard Expanded Bronze
BlueCross BlueShield of South Carolina
$356/mo
Ded: $7,500
Blue Congaree Bronze 1
BlueCross BlueShield of South Carolina
$359/mo
Ded: $7,900
Blue VirtuConnect Bronze 1
BlueCross BlueShield of South Carolina
$421/mo
Ded: $7,500
BlueEssentials Standard Expanded Bronze
BlueCross BlueShield of South Carolina
$428/mo
Ded: $7,500
BlueEssentials Bronze 4
BlueCross BlueShield of South Carolina
$429/mo
Ded: $7,200
Everyday Bronze
Ambetter from Absolute Total Care
$435/mo
Ded: $8,450
Standard Expanded Bronze
Ambetter from Absolute Total Care
$436/mo
Ded: $7,500
First Choice Next Bronze Essential
First Choice Next
$439/mo
Ded: $10,600
Everyday Bronze + Vision + Adult Dental
Ambetter from Absolute Total Care
$449/mo
Ded: $8,450
Prices shown are for a 30-year-old near Columbia without subsidies. Your actual premium depends on your age, ZIP code, household size, and income.Get your personalized price →
Frequently Asked Questions
How many ACA plans are available in South Carolina?
Approximately 60 ACA Marketplace plans are available in South Carolina for 2026. The exact count varies by county — some areas have more insurer competition than others.
What is the cheapest health insurance plan in South Carolina?
For a 30-year-old without subsidies, the cheapest plan near Columbia starts at about $343/month. Bronze plans have the lowest premiums. If your income qualifies for the Advance Premium Tax Credit (APTC), you could pay significantly less — or nothing at all.
Does South Carolina use HealthCare.gov?
Yes — South Carolina is a federal marketplace state, so residents shop for ACA plans at HealthCare.gov. Policymage uses the same underlying federal marketplace data to let you compare plans before enrolling.
What is the Silver benchmark plan and why does it matter?
The Silver benchmark plan in South Carolina averages $578/month. This benchmark is used by the federal government to calculate your APTC subsidy amount — it's the second-lowest-cost Silver plan in your county. Even if you choose a Bronze or Gold plan, your subsidy is based on the Silver benchmark.
Find Plans in South Carolina
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.
More South Carolina guides
Best plans in South Carolina Cheapest plans in South Carolina HSA-eligible plans in South Carolina