ACA plans available
43
Plan year 2026
2026 data Public-data reference. official source
Barnwell, South Carolina Health Insurance
Open-data reference.
43 ACA plans from 3 issuers - Plan year 2026
Barnwell, South Carolina offers 43 ACA marketplace plans from 3 issuers for plan year 2026. Silver plans start at $420/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$494
Avg Silver Premium/mo
$423
Benchmark Premium/mo
+30.4%
Year-over-Year Change
$5,032
Avg Deductible
What the Numbers Say About Barnwell
Barnwell, South Carolina has 43 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $494/mo for a 27-year-old non-tobacco user, with the lowest Silver at $420 and the highest at $597.
The benchmark (second-lowest Silver) premium is $423/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $5,032 and the average out-of-pocket maximum is $8,546 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Barnwell shifted by +30.4%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 3 issuers active in Barnwell, consumers have some competitive choice, though narrower than the most competitive counties. HMO is the most common network type in Barnwell, with EPO and PPO rounding out the alternatives. This page is informational only and is not insurance, medical, or tax advice, verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Silver
16 plans$494/mo avg
$420 - $597
Gold
15 plans$506/mo avg
$431 - $603
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Barnwell is $423/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
3
Some competition
Benchmark Silver
$423 /mo
Sets your subsidy ceiling
Avg deductible
$5,032
Across all metal tiers
Barnwell ACA plans by premium and deductible
Each marker is the Barnwell average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Source: CMS Marketplace Public Use Files for Barnwell, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Barnwell
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| BlueCross BlueShield of South Carolina | 22 | $500/mo |
| Molina Healthcare | 12 | $436/mo |
| Ambetter from Absolute Total Care | 9 | $434/mo |
All Plans in Barnwell
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Blue VirtuConnect Bronze 1 BlueCross BlueShield of South Carolina | Expanded Bronze | EPO | $352.32 | $429.65 | $7,500 | $10,000 |
| BlueEssentials Standard Expanded Bronze BlueCross BlueShield of South Carolina | Expanded Bronze | EPO | $358.88 | $437.65 | $7,500 | $10,000 |
| BlueEssentials Bronze 4 BlueCross BlueShield of South Carolina | Expanded Bronze | EPO | $359.00 | $437.79 | $7,200 | $10,000 |
| Everyday Bronze Ambetter from Absolute Total Care | Expanded Bronze | HMO | $369.92 | $451.10 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter from Absolute Total Care | Expanded Bronze | HMO | $371.00 | $452.42 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Absolute Total Care | Expanded Bronze | HMO | $382.13 | $465.99 | $8,450 | $10,150 |
| BlueExtend PPO Standard Expanded Bronze BlueCross BlueShield of South Carolina | Expanded Bronze | PPO | $385.77 | $470.43 | $7,500 | $10,000 |
| BlueExtend PPO HD Bronze 2 BlueCross BlueShield of South Carolina | Expanded Bronze | PPO | $393.19 | $479.48 | $8,300 | $8,300 |
| BlueExtend PPO HD Bronze 1 BlueCross BlueShield of South Carolina | Expanded Bronze | PPO | $404.13 | $492.83 | $7,300 | $7,300 |
| Elite Bronze Ambetter from Absolute Total Care | Expanded Bronze | HMO | $422.02 | $514.64 | $0 | $10,500 |
| BlueEssentials Bronze 6 BlueCross BlueShield of South Carolina | Expanded Bronze | EPO | $422.59 | $515.34 | $0 | $10,600 |
| Elite Bronze + Vision + Adult Dental Ambetter from Absolute Total Care | Expanded Bronze | HMO | $435.95 | $531.62 | $0 | $10,500 |
| Molina Silver Saver Molina Healthcare | Silver | HMO | $420.19 | $512.41 | $7,000 | $10,150 |
| Molina Silver Standard Molina Healthcare | Silver | HMO | $422.70 | $515.46 | $6,000 | $8,900 |
| Molina Silver Core Molina Healthcare | Silver | HMO | $423.31 | $516.21 | $6,000 | $8,990 |
| Molina Silver Core Plus with Adult Vision Molina Healthcare | Silver | HMO | $426.15 | $519.68 | $6,000 | $8,990 |
| Molina Silver Core Plus with Adult Dental and Vision Molina Healthcare | Silver | HMO | $439.21 | $535.60 | $6,000 | $8,990 |
| Standard Silver Ambetter from Absolute Total Care | Silver | HMO | $471.74 | $575.28 | $6,000 | $8,900 |
| Focused Silver Ambetter from Absolute Total Care | Silver | HMO | $476.93 | $581.60 | $6,300 | $8,400 |
| Standard Silver + Vision + Adult Dental Ambetter from Absolute Total Care | Silver | HMO | $487.32 | $594.27 | $6,000 | $8,900 |
| BlueEssentials Silver 14 BlueCross BlueShield of South Carolina | Silver | EPO | $511.97 | $624.33 | $7,400 | $9,700 |
| BlueEssentials Silver 14 + Adult Vision BlueCross BlueShield of South Carolina | Silver | EPO | $513.30 | $625.95 | $7,400 | $9,700 |
| Blue VirtuConnect Silver 1 BlueCross BlueShield of South Carolina | Silver | EPO | $514.26 | $627.12 | $6,000 | $8,900 |
| BlueEssentials Silver 40 BlueCross BlueShield of South Carolina | Silver | EPO | $523.67 | $638.59 | $6,000 | $8,900 |
| BlueEssentials Standard Silver BlueCross BlueShield of South Carolina | Silver | EPO | $524.11 | $639.14 | $6,000 | $8,900 |
| BlueExtend PPO Standard Silver BlueCross BlueShield of South Carolina | Silver | PPO | $564.22 | $688.04 | $6,000 | $8,900 |
| BlueExtend PPO HD Silver 2 BlueCross BlueShield of South Carolina | Silver | PPO | $584.28 | $712.51 | $5,990 | $5,990 |
| BlueExtend PPO HD Silver 1 BlueCross BlueShield of South Carolina | Silver | PPO | $597.40 | $728.51 | $5,300 | $5,300 |
| Molina Gold Core 1640 Molina Healthcare | Gold | HMO | $431.36 | $526.02 | $1,640 | $8,100 |
| Molina Gold Core 1640 Plus with Adult Vision Molina Healthcare | Gold | HMO | $434.20 | $529.49 | $1,640 | $8,100 |
| Molina Gold Value Molina Healthcare | Gold | HMO | $435.14 | $530.64 | $2,250 | $8,000 |
| Molina Gold Value Plus with Adult Vision Molina Healthcare | Gold | HMO | $437.98 | $534.10 | $2,250 | $8,000 |
| Molina Gold Standard Molina Healthcare | Gold | HMO | $450.60 | $549.49 | $2,000 | $8,200 |
| Molina Gold Value Plus with Adult Dental and Vision Molina Healthcare | Gold | HMO | $451.04 | $550.02 | $2,250 | $8,000 |
| Molina Gold Core 1640 Plus with Adult Dental and Vision Molina Healthcare | Gold | HMO | $462.22 | $563.66 | $1,640 | $8,100 |
| Standard Gold Ambetter from Absolute Total Care | Gold | HMO | $493.14 | $601.37 | $2,000 | $8,200 |
| BlueEssentials Gold 5 BlueCross BlueShield of South Carolina | Gold | EPO | $530.72 | $647.20 | $250 | $9,200 |
| Blue VirtuConnect Gold 1 BlueCross BlueShield of South Carolina | Gold | EPO | $548.88 | $669.35 | $2,000 | $8,200 |
| BlueEssentials Gold 1 BlueCross BlueShield of South Carolina | Gold | EPO | $557.27 | $679.57 | $2,700 | $5,400 |
| BlueEssentials Standard Gold BlueCross BlueShield of South Carolina | Gold | EPO | $559.46 | $682.24 | $2,000 | $8,200 |
| BlueExtend PPO HD Gold 2 BlueCross BlueShield of South Carolina | Gold | PPO | $585.77 | $714.33 | $4,150 | $4,150 |
| BlueExtend PPO Standard Gold BlueCross BlueShield of South Carolina | Gold | PPO | $602.38 | $734.58 | $2,000 | $8,200 |
| BlueExtend PPO HD Gold 1 BlueCross BlueShield of South Carolina | Gold | PPO | $602.80 | $735.09 | $3,400 | $3,400 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $378/mo | $341 | $454 | 23 | 3 |
| 2023 | $403/mo | $362 | $473 | 20 | 3 |
| 2024 | $417/mo | $373 | $471 | 23 | 4 |
| 2025 | $409/mo | $364 | $487 | 21 | 4 |
| 2026 | $494/mo | $420 | $597 | 16 | 3 |
Frequently Asked Questions
How many ACA plans are available in Barnwell, SC?
There are 43 ACA marketplace plans available in Barnwell from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Barnwell?
Silver plans in Barnwell start at $420/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Barnwell?
The benchmark (second-lowest Silver) premium in Barnwell is $423/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Barnwell?
Average premiums in Barnwell changed by +30.4% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Barnwell?
The average annual deductible across all plans in Barnwell is $5,032, and the average out-of-pocket maximum is $8,546. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Barnwell?
There are 3 insurance issuers offering ACA marketplace plans in Barnwell, including BlueCross BlueShield of South Carolina, Molina Healthcare, Ambetter from Absolute Total Care. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer
This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Barnwell, SC's $423/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
