ACA plans available
40
Plan year 2026
CMS Marketplace county · plan year 2026
Oconee, 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
- $505
- Silver avg/mo
- 40
- ACA plans
- 2
- Issuers
- +15.6%
- YoY premium
Silver avg $505/mo
Oconee, South Carolina has 40 ACA marketplace plans from 2 issuers (plan year 2026). Average Silver premium is $505/mo; Bronze averages $374/mo and Gold $542/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1848 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $452/mo
- Avg deductible $5,774
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Oconee, South Carolina ranks #1,848 of 2,055 counties by listed Silver average ($505/mo) and #1,197 of 2,055 by plan count (40 plans).
- #1,848 of 2,055
- Silver average among 2,055 counties
- $505
- Listed Silver average /mo
- #1,197 of 2,055
- Plan count among 2,055 counties
- 40
- 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.
These are unmodified listed rates for the CMS reference age-27 enrollee, not subsidy-adjusted quotes. Actual out-of-pocket cost depends on age, tobacco use, and any Advanced Premium Tax Credit you qualify for. See our methodology for how county aggregates are built from the underlying QHP Landscape and Rate/Benefits filings. Compare premiums, deductibles, and issuers by metal tier in the tables below.
Lower-premium band
Oconee in the lower-premium third
$505/mo Silver avg sits in the bottom third of tracked federal-marketplace counties.
Floor-to-ceiling Silver runs $451–$592/mo. Network types split fairly evenly here between HMO and EPO, so comparing referral rules and out-of-network coverage across those two matters as much as comparing metal tiers.
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
15 plans$374/mo avg
$305 - $445
Silver
15 plans$505/mo avg
$451 - $592
Gold
10 plans$542/mo avg
$473 - $598
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Oconee is $452/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
2
Some competition
Benchmark Silver
$452 /mo
Sets your subsidy ceiling
Avg deductible
$5,774
Across all metal tiers
D
Marketplace Access Score
42/100
Oconee
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
$452/mo
Benchmark Silver premium; rank #1848 of 2055 tracked counties (cheapest first)
Plan Choice D
40 plans
ACA marketplace plan count; rank #1197 of 2055 tracked counties (most first)
Issuer Competition F
2 issuers
Distinct marketplace issuers; rank #1878 of 2055 tracked counties (most first)
Cost Predictability F
$5,774
Average deductible across tracked plans; rank #75 of 2055 tracked counties (lowest first)
Oconee ACA plans by premium and deductible
Each marker is the Oconee 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.
Oconee ACA marketplace plans: premium vs deductible
How Oconee's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Oconee vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$505 1848th of 2055 higher than 207 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 Oconee
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| BlueCross BlueShield of South Carolina | 31 | $472/mo |
| Ambetter from Absolute Total Care | 9 | $443/mo |
All Plans in Oconee
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Blue Reedy Bronze 2 BlueCross BlueShield of South Carolina | Bronze | HMO | $304.58 | $371.42 | $10,600 | $10,600 |
| Blue Reedy Standard Expanded Bronze BlueCross BlueShield of South Carolina | Expanded Bronze | HMO | $316.62 | $386.11 | $7,500 | $10,000 |
| Blue Reedy Bronze 1 BlueCross BlueShield of South Carolina | Expanded Bronze | HMO | $318.92 | $388.91 | $7,900 | $9,500 |
| Blue VirtuConnect Bronze 1 BlueCross BlueShield of South Carolina | Expanded Bronze | EPO | $349.36 | $426.03 | $7,500 | $10,000 |
| BlueEssentials Standard Expanded Bronze BlueCross BlueShield of South Carolina | Expanded Bronze | EPO | $355.86 | $433.96 | $7,500 | $10,000 |
| BlueEssentials Bronze 4 BlueCross BlueShield of South Carolina | Expanded Bronze | EPO | $355.98 | $434.11 | $7,200 | $10,000 |
| Everyday Bronze Ambetter from Absolute Total Care | Expanded Bronze | HMO | $377.41 | $460.24 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter from Absolute Total Care | Expanded Bronze | HMO | $378.51 | $461.58 | $7,500 | $10,000 |
| BlueExtend PPO Standard Expanded Bronze BlueCross BlueShield of South Carolina | Expanded Bronze | PPO | $382.52 | $466.47 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Absolute Total Care | Expanded Bronze | HMO | $389.87 | $475.43 | $8,450 | $10,150 |
| BlueExtend PPO HD Bronze 2 BlueCross BlueShield of South Carolina | Expanded Bronze | PPO | $389.88 | $475.45 | $8,300 | $8,300 |
| BlueExtend PPO HD Bronze 1 BlueCross BlueShield of South Carolina | Expanded Bronze | PPO | $400.73 | $488.68 | $7,300 | $7,300 |
| BlueEssentials Bronze 6 BlueCross BlueShield of South Carolina | Expanded Bronze | EPO | $419.03 | $511.00 | $0 | $10,600 |
| Elite Bronze Ambetter from Absolute Total Care | Expanded Bronze | HMO | $430.56 | $525.05 | $0 | $10,500 |
| Elite Bronze + Vision + Adult Dental Ambetter from Absolute Total Care | Expanded Bronze | HMO | $444.77 | $542.39 | $0 | $10,500 |
| Blue Reedy Silver 2 BlueCross BlueShield of South Carolina | Silver | HMO | $450.75 | $549.68 | $7,900 | $8,800 |
| Blue Reedy Silver 2 + Adult Vision BlueCross BlueShield of South Carolina | Silver | HMO | $452.07 | $551.28 | $7,900 | $8,800 |
| Blue Reedy Silver 1 BlueCross BlueShield of South Carolina | Silver | HMO | $453.70 | $553.28 | $7,000 | $10,500 |
| Blue Reedy Standard Silver BlueCross BlueShield of South Carolina | Silver | HMO | $460.85 | $561.99 | $6,000 | $8,900 |
| Standard Silver Ambetter from Absolute Total Care | Silver | HMO | $481.29 | $586.92 | $6,000 | $8,900 |
| Focused Silver Ambetter from Absolute Total Care | Silver | HMO | $486.59 | $593.38 | $6,300 | $8,400 |
| Standard Silver + Vision + Adult Dental Ambetter from Absolute Total Care | Silver | HMO | $497.18 | $606.30 | $6,000 | $8,900 |
| BlueEssentials Silver 14 BlueCross BlueShield of South Carolina | Silver | EPO | $507.66 | $619.07 | $7,400 | $9,700 |
| BlueEssentials Silver 14 + Adult Vision BlueCross BlueShield of South Carolina | Silver | EPO | $508.98 | $620.68 | $7,400 | $9,700 |
| Blue VirtuConnect Silver 1 BlueCross BlueShield of South Carolina | Silver | EPO | $509.93 | $621.84 | $6,000 | $8,900 |
| BlueEssentials Silver 40 BlueCross BlueShield of South Carolina | Silver | EPO | $519.26 | $633.21 | $6,000 | $8,900 |
| BlueEssentials Standard Silver BlueCross BlueShield of South Carolina | Silver | EPO | $519.70 | $633.76 | $6,000 | $8,900 |
| BlueExtend PPO Standard Silver BlueCross BlueShield of South Carolina | Silver | PPO | $559.47 | $682.25 | $6,000 | $8,900 |
| BlueExtend PPO HD Silver 2 BlueCross BlueShield of South Carolina | Silver | PPO | $579.36 | $706.51 | $5,990 | $5,990 |
| BlueExtend PPO HD Silver 1 BlueCross BlueShield of South Carolina | Silver | PPO | $592.37 | $722.37 | $5,300 | $5,300 |
| Blue Reedy Gold 1 BlueCross BlueShield of South Carolina | Gold | HMO | $473.29 | $577.16 | $250 | $8,900 |
| Blue Reedy Standard Gold BlueCross BlueShield of South Carolina | Gold | HMO | $491.69 | $599.60 | $2,000 | $8,200 |
| Standard Gold Ambetter from Absolute Total Care | Gold | HMO | $503.13 | $613.55 | $2,000 | $8,200 |
| BlueEssentials Gold 5 BlueCross BlueShield of South Carolina | Gold | EPO | $526.26 | $641.75 | $250 | $9,200 |
| Blue VirtuConnect Gold 1 BlueCross BlueShield of South Carolina | Gold | EPO | $544.26 | $663.71 | $2,000 | $8,200 |
| BlueEssentials Gold 1 BlueCross BlueShield of South Carolina | Gold | EPO | $552.57 | $673.85 | $2,700 | $5,400 |
| BlueEssentials Standard Gold BlueCross BlueShield of South Carolina | Gold | EPO | $554.75 | $676.49 | $2,000 | $8,200 |
| BlueExtend PPO HD Gold 2 BlueCross BlueShield of South Carolina | Gold | PPO | $580.84 | $708.31 | $4,150 | $4,150 |
| BlueExtend PPO Standard Gold BlueCross BlueShield of South Carolina | Gold | PPO | $597.31 | $728.39 | $2,000 | $8,200 |
| BlueExtend PPO HD Gold 1 BlueCross BlueShield of South Carolina | Gold | PPO | $597.72 | $728.90 | $3,400 | $3,400 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $484/mo | $422 | $537 | 20 | 2 |
| 2023 | $450/mo | $427 | $472 | 19 | 2 |
| 2024 | $453/mo | $423 | $481 | 19 | 2 |
| 2025 | $433/mo | $381 | $499 | 17 | 2 |
| 2026 | $505/mo | $451 | $592 | 15 | 2 |
What this means for Oconee
Use Oconee's own numbers here, not a national average, before you enroll.
- $505/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
- 40 plans from 2 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 Oconee's Silver premium in the lower band?
Oconee ranks #1848 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $505/mo. See /methodology#corpus-placement.
How many ACA plans are available in Oconee, SC?
There are 40 ACA marketplace plans available in Oconee from 2 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Oconee?
The lowest-premium plan in Oconee starts at $305/mo (Bronze tier, age 27). Silver plans start at $451/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Oconee?
The benchmark (second-lowest Silver) premium in Oconee is $452/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Oconee premiums rise +15.6% year-over-year?
The average age-27 premium in Oconee changed by +15.6% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
How limited is issuer competition in Oconee?
Only 2 issuers sell marketplace plans in Oconee (BlueCross BlueShield of South Carolina and Ambetter from Absolute Total Care). Narrow competition often correlates with higher benchmark premiums.
Which insurance companies offer plans in Oconee?
There are 2 insurance issuers offering ACA marketplace plans in Oconee, including BlueCross BlueShield of South Carolina, Ambetter from Absolute Total Care. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Oconee, SC's $452/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 Oconee, 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 ($452/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (2 here).
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.