ACA plans available
48
Plan year 2026
CMS Marketplace county · plan year 2026
Chesterfield, South Carolina ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $539
- Silver avg/mo
- 48
- ACA plans
- 4
- Issuers
- +24.0%
- YoY premium
Silver avg $539/mo
Chesterfield, South Carolina has 48 ACA marketplace plans from 4 issuers (plan year 2026). Average Silver premium is $539/mo; Bronze averages $426/mo and Gold $574/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1711 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $459/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Chesterfield, South Carolina ranks #1,711 of 2,055 counties by listed Silver average ($539/mo) and #758 of 2,055 by plan count (48 plans).
- #1,711 of 2,055
- Silver average among 2,055 counties
- $539
- Listed Silver average /mo
- #758 of 2,055
- Plan count among 2,055 counties
- 48
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Chesterfield, South Carolina offers 48 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $383/mo and Silver plans start at $457/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$539
Avg Silver Premium/mo
$459
Benchmark Premium/mo
+24.0%
Year-over-Year Change
$5,057
Avg Deductible
Lower-premium band
Chesterfield in the lower-premium third
$539/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1711 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $457–$682/mo. HMO is the most common network type in Chesterfield, with EPO and PPO rounding out the alternatives.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
12 plans$426/mo avg
$383 - $483
Silver
20 plans$539/mo avg
$457 - $682
Gold
16 plans$574/mo avg
$499 - $688
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Chesterfield is $459/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.
Issuers in market
4
Competitive market
Benchmark Silver
$459 /mo
Sets your subsidy ceiling
Avg deductible
$5,057
Across all metal tiers
B-
Marketplace Access Score
68/100
Chesterfield
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability A-
$459/mo
Benchmark Silver premium; rank #1711 of 2055 tracked counties (cheapest first)
Plan Choice C+
48 plans
ACA marketplace plan count; rank #758 of 2055 tracked counties (most first)
Issuer Competition B-
4 issuers
Distinct marketplace issuers; rank #627 of 2055 tracked counties (most first)
Cost Predictability D
$5,057
Average deductible across tracked plans; rank #973 of 2055 tracked counties (lowest first)
Chesterfield ACA plans by premium and deductible
Each marker is the Chesterfield 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.
Chesterfield ACA marketplace plans: premium vs deductible
How Chesterfield's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Chesterfield vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$539 1711th of 2055 higher than 344 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Issuers in Chesterfield
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| BlueCross BlueShield of South Carolina | 22 | $571/mo |
| Molina Healthcare | 12 | $508/mo |
| Ambetter from Absolute Total Care | 9 | $450/mo |
| InStil Health | 5 | $472/mo |
All Plans in Chesterfield
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Everyday Bronze Ambetter from Absolute Total Care | Expanded Bronze | HMO | $383.46 | $467.62 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter from Absolute Total Care | Expanded Bronze | HMO | $384.58 | $468.98 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Absolute Total Care | Expanded Bronze | HMO | $396.12 | $483.06 | $8,450 | $10,150 |
| Blue VirtuConnect Bronze 1 BlueCross BlueShield of South Carolina | Expanded Bronze | EPO | $402.39 | $490.70 | $7,500 | $10,000 |
| BlueEssentials Standard Expanded Bronze BlueCross BlueShield of South Carolina | Expanded Bronze | EPO | $409.88 | $499.84 | $7,500 | $10,000 |
| BlueEssentials Bronze 4 BlueCross BlueShield of South Carolina | Expanded Bronze | EPO | $410.02 | $500.00 | $7,200 | $10,000 |
| Elite Bronze Ambetter from Absolute Total Care | Expanded Bronze | HMO | $437.47 | $533.48 | $0 | $10,500 |
| BlueExtend PPO Standard Expanded Bronze BlueCross BlueShield of South Carolina | Expanded Bronze | PPO | $440.58 | $537.28 | $7,500 | $10,000 |
| BlueExtend PPO HD Bronze 2 BlueCross BlueShield of South Carolina | Expanded Bronze | PPO | $449.07 | $547.62 | $8,300 | $8,300 |
| Elite Bronze + Vision + Adult Dental Ambetter from Absolute Total Care | Expanded Bronze | HMO | $451.91 | $551.09 | $0 | $10,500 |
| BlueExtend PPO HD Bronze 1 BlueCross BlueShield of South Carolina | Expanded Bronze | PPO | $461.56 | $562.86 | $7,300 | $7,300 |
| BlueEssentials Bronze 6 BlueCross BlueShield of South Carolina | Expanded Bronze | EPO | $482.64 | $588.57 | $0 | $10,600 |
| InHealth Basic 1 InStil Health | Silver | HMO | $457.21 | $557.55 | $6,500 | $10,600 |
| InHealth Basic 1 + Adult Vision InStil Health | Silver | HMO | $458.51 | $559.13 | $6,500 | $10,600 |
| InHealth Basic 2 InStil Health | Silver | HMO | $472.16 | $575.78 | $5,300 | $10,600 |
| InHealth Basic Standard InStil Health | Silver | HMO | $474.88 | $579.10 | $6,000 | $8,900 |
| Standard Silver Ambetter from Absolute Total Care | Silver | HMO | $489.02 | $596.34 | $6,000 | $8,900 |
| Molina Silver Saver Molina Healthcare | Silver | HMO | $489.63 | $597.08 | $7,000 | $10,150 |
| Molina Silver Standard Molina Healthcare | Silver | HMO | $492.54 | $600.64 | $6,000 | $8,900 |
| Molina Silver Core Molina Healthcare | Silver | HMO | $493.26 | $601.51 | $6,000 | $8,990 |
| Focused Silver Ambetter from Absolute Total Care | Silver | HMO | $494.39 | $602.90 | $6,300 | $8,400 |
| Molina Silver Core Plus with Adult Vision Molina Healthcare | Silver | HMO | $496.57 | $605.55 | $6,000 | $8,990 |
| Standard Silver + Vision + Adult Dental Ambetter from Absolute Total Care | Silver | HMO | $505.16 | $616.02 | $6,000 | $8,900 |
| Molina Silver Core Plus with Adult Dental and Vision Molina Healthcare | Silver | HMO | $511.78 | $624.10 | $6,000 | $8,990 |
| BlueEssentials Silver 14 BlueCross BlueShield of South Carolina | Silver | EPO | $584.72 | $713.05 | $7,400 | $9,700 |
| BlueEssentials Silver 14 + Adult Vision BlueCross BlueShield of South Carolina | Silver | EPO | $586.24 | $714.90 | $7,400 | $9,700 |
| Blue VirtuConnect Silver 1 BlueCross BlueShield of South Carolina | Silver | EPO | $587.34 | $716.24 | $6,000 | $8,900 |
| BlueEssentials Silver 40 BlueCross BlueShield of South Carolina | Silver | EPO | $598.08 | $729.34 | $6,000 | $8,900 |
| BlueEssentials Standard Silver BlueCross BlueShield of South Carolina | Silver | EPO | $598.59 | $729.96 | $6,000 | $8,900 |
| BlueExtend PPO Standard Silver BlueCross BlueShield of South Carolina | Silver | PPO | $644.39 | $785.82 | $6,000 | $8,900 |
| BlueExtend PPO HD Silver 2 BlueCross BlueShield of South Carolina | Silver | PPO | $667.31 | $813.76 | $5,990 | $5,990 |
| BlueExtend PPO HD Silver 1 BlueCross BlueShield of South Carolina | Silver | PPO | $682.29 | $832.03 | $5,300 | $5,300 |
| InHealth Basic Plus Standard InStil Health | Gold | HMO | $499.32 | $608.91 | $2,000 | $8,200 |
| Molina Gold Core 1640 Molina Healthcare | Gold | HMO | $502.63 | $612.94 | $1,640 | $8,100 |
| Molina Gold Core 1640 Plus with Adult Vision Molina Healthcare | Gold | HMO | $505.94 | $616.98 | $1,640 | $8,100 |
| Molina Gold Value Molina Healthcare | Gold | HMO | $507.04 | $618.32 | $2,250 | $8,000 |
| Molina Gold Value Plus with Adult Vision Molina Healthcare | Gold | HMO | $510.35 | $622.36 | $2,250 | $8,000 |
| Standard Gold Ambetter from Absolute Total Care | Gold | HMO | $511.20 | $623.39 | $2,000 | $8,200 |
| Molina Gold Standard Molina Healthcare | Gold | HMO | $525.06 | $640.29 | $2,000 | $8,200 |
| Molina Gold Value Plus with Adult Dental and Vision Molina Healthcare | Gold | HMO | $525.57 | $640.91 | $2,250 | $8,000 |
| Molina Gold Core 1640 Plus with Adult Dental and Vision Molina Healthcare | Gold | HMO | $538.59 | $656.80 | $1,640 | $8,100 |
| BlueEssentials Gold 5 BlueCross BlueShield of South Carolina | Gold | EPO | $606.14 | $739.17 | $250 | $9,200 |
| Blue VirtuConnect Gold 1 BlueCross BlueShield of South Carolina | Gold | EPO | $626.88 | $764.46 | $2,000 | $8,200 |
| BlueEssentials Gold 1 BlueCross BlueShield of South Carolina | Gold | EPO | $636.46 | $776.14 | $2,700 | $5,400 |
| BlueEssentials Standard Gold BlueCross BlueShield of South Carolina | Gold | EPO | $638.96 | $779.19 | $2,000 | $8,200 |
| BlueExtend PPO HD Gold 2 BlueCross BlueShield of South Carolina | Gold | PPO | $669.01 | $815.84 | $4,150 | $4,150 |
| BlueExtend PPO Standard Gold BlueCross BlueShield of South Carolina | Gold | PPO | $687.98 | $838.97 | $2,000 | $8,200 |
| BlueExtend PPO HD Gold 1 BlueCross BlueShield of South Carolina | Gold | PPO | $688.46 | $839.55 | $3,400 | $3,400 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $403/mo | $350 | $507 | 23 | 3 |
| 2023 | $436/mo | $377 | $531 | 20 | 3 |
| 2024 | $462/mo | $403 | $533 | 23 | 4 |
| 2025 | $449/mo | $400 | $548 | 21 | 4 |
| 2026 | $539/mo | $457 | $682 | 20 | 4 |
What this means for Chesterfield
Use Chesterfield's own numbers here, not a national average, before you enroll.
- $539/mo Silver average sits in the bottom third of tracked counties nationally -- a subsidized Silver plan can already beat Bronze on total cost here. See how subsidies work
- 48 plans from 4 issuers here -- see how that stacks up against the cheapest counties nationwide. See cheapest counties
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Why is Chesterfield's Silver premium in the lower band?
Chesterfield ranks #1711 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $539/mo. See /methodology#corpus-placement.
How many ACA plans are available in Chesterfield, SC?
There are 48 ACA marketplace plans available in Chesterfield from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Chesterfield?
The lowest-premium plan in Chesterfield starts at $383/mo (Bronze tier, age 27). Silver plans start at $457/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Chesterfield?
The benchmark (second-lowest Silver) premium in Chesterfield is $459/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Chesterfield premiums rise +24.0% year-over-year?
The average age-27 premium in Chesterfield changed by +24.0% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
What is the average deductible and out-of-pocket maximum in Chesterfield?
The average annual deductible across all plans in Chesterfield is $5,057, and the average out-of-pocket maximum is $8,674. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which issuers compete in Chesterfield's crowded market?
There are 4 insurance issuers offering ACA marketplace plans in Chesterfield, including BlueCross BlueShield of South Carolina, Molina Healthcare, Ambetter from Absolute Total Care, and others. 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 Chesterfield, SC's $459/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for Chesterfield, SC, both outside SC so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($459/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (4 here).
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.