ACA plans available
44
Plan year 2026
CMS Marketplace county · plan year 2026
Spartanburg, 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
- $592
- Silver avg/mo
- 44
- ACA plans
- 4
- Issuers
- +12.8%
- YoY premium
Silver avg $592/mo
Spartanburg, South Carolina has 44 ACA marketplace plans from 4 issuers (plan year 2026). Average Silver premium is $592/mo; Bronze averages $465/mo and Gold $643/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1401 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $526/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Spartanburg, South Carolina ranks #1,401 of 2,055 counties by listed Silver average ($592/mo) and #985 of 2,055 by plan count (44 plans).
- #1,401 of 2,055
- Silver average among 2,055 counties
- $592
- Listed Silver average /mo
- #985 of 2,055
- Plan count among 2,055 counties
- 44
- 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.
Spartanburg, South Carolina offers 44 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $405/mo and Silver plans start at $525/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$592
Avg Silver Premium/mo
$526
Benchmark Premium/mo
+12.8%
Year-over-Year Change
$5,370
Avg Deductible
Lower-premium band
Spartanburg in the lower-premium third
$592/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1401 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $525–$699/mo. HMO is the most common network type in Spartanburg, 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
15 plans$465/mo avg
$405 - $563
Silver
18 plans$592/mo avg
$525 - $699
Gold
11 plans$643/mo avg
$575 - $705
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Spartanburg is $526/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
$526 /mo
Sets your subsidy ceiling
Avg deductible
$5,370
Across all metal tiers
C-
Marketplace Access Score
51/100
Spartanburg
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 B-
$526/mo
Benchmark Silver premium; rank #1401 of 2055 tracked counties (cheapest first)
Plan Choice C-
44 plans
ACA marketplace plan count; rank #985 of 2055 tracked counties (most first)
Issuer Competition C
4 issuers
Distinct marketplace issuers; rank #904 of 2055 tracked counties (most first)
Cost Predictability F
$5,370
Average deductible across tracked plans; rank #483 of 2055 tracked counties (lowest first)
Spartanburg ACA plans by premium and deductible
Each marker is the Spartanburg 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.
Spartanburg ACA marketplace plans: premium vs deductible
How Spartanburg's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Spartanburg vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$592 1401st of 2055 higher than 654 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 Spartanburg
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| BlueCross BlueShield of South Carolina | 22 | $585/mo |
| Ambetter from Absolute Total Care | 9 | $562/mo |
| First Choice Next | 8 | $508/mo |
| InStil Health | 5 | $544/mo |
All Plans in Spartanburg
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| First Choice Next Bronze Essential First Choice Next | Bronze | HMO | $405.21 | $494.14 | $10,600 | $10,600 |
| Blue VirtuConnect Bronze 1 BlueCross BlueShield of South Carolina | Expanded Bronze | EPO | $412.03 | $502.46 | $7,500 | $10,000 |
| BlueEssentials Standard Expanded Bronze BlueCross BlueShield of South Carolina | Expanded Bronze | EPO | $419.71 | $511.82 | $7,500 | $10,000 |
| BlueEssentials Bronze 4 BlueCross BlueShield of South Carolina | Expanded Bronze | EPO | $419.85 | $511.99 | $7,200 | $10,000 |
| First Choice Next Bronze Signature First Choice Next | Expanded Bronze | HMO | $436.51 | $532.31 | $7,500 | $10,000 |
| First Choice Next Bronze Premier First Choice Next | Expanded Bronze | HMO | $440.10 | $536.69 | $3,850 | $10,600 |
| BlueExtend PPO Standard Expanded Bronze BlueCross BlueShield of South Carolina | Expanded Bronze | PPO | $451.14 | $550.15 | $7,500 | $10,000 |
| BlueExtend PPO HD Bronze 2 BlueCross BlueShield of South Carolina | Expanded Bronze | PPO | $459.83 | $560.74 | $8,300 | $8,300 |
| BlueExtend PPO HD Bronze 1 BlueCross BlueShield of South Carolina | Expanded Bronze | PPO | $472.62 | $576.35 | $7,300 | $7,300 |
| Everyday Bronze Ambetter from Absolute Total Care | Expanded Bronze | HMO | $478.11 | $583.04 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter from Absolute Total Care | Expanded Bronze | HMO | $479.51 | $584.74 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Absolute Total Care | Expanded Bronze | HMO | $493.90 | $602.29 | $8,450 | $10,150 |
| BlueEssentials Bronze 6 BlueCross BlueShield of South Carolina | Expanded Bronze | EPO | $494.21 | $602.67 | $0 | $10,600 |
| Elite Bronze Ambetter from Absolute Total Care | Expanded Bronze | HMO | $545.45 | $665.16 | $0 | $10,500 |
| Elite Bronze + Vision + Adult Dental Ambetter from Absolute Total Care | Expanded Bronze | HMO | $563.46 | $687.11 | $0 | $10,500 |
| First Choice Next Silver Signature First Choice Next | Silver | HMO | $525.43 | $640.74 | $6,000 | $8,900 |
| InHealth Basic 1 InStil Health | Silver | HMO | $526.11 | $641.58 | $6,500 | $10,600 |
| InHealth Basic 1 + Adult Vision InStil Health | Silver | HMO | $527.60 | $643.39 | $6,500 | $10,600 |
| First Choice Next Silver Essential First Choice Next | Silver | HMO | $527.79 | $643.63 | $6,100 | $9,000 |
| First Choice Next Silver Premier First Choice Next | Silver | HMO | $529.45 | $645.65 | $400 | $10,200 |
| InHealth Basic 2 InStil Health | Silver | HMO | $543.31 | $662.55 | $5,300 | $10,600 |
| InHealth Basic Standard InStil Health | Silver | HMO | $546.44 | $666.37 | $6,000 | $8,900 |
| BlueEssentials Silver 14 BlueCross BlueShield of South Carolina | Silver | EPO | $598.73 | $730.13 | $7,400 | $9,700 |
| BlueEssentials Silver 14 + Adult Vision BlueCross BlueShield of South Carolina | Silver | EPO | $600.29 | $732.04 | $7,400 | $9,700 |
| Blue VirtuConnect Silver 1 BlueCross BlueShield of South Carolina | Silver | EPO | $601.41 | $733.40 | $6,000 | $8,900 |
| Standard Silver Ambetter from Absolute Total Care | Silver | HMO | $609.72 | $743.53 | $6,000 | $8,900 |
| BlueEssentials Silver 40 BlueCross BlueShield of South Carolina | Silver | EPO | $612.41 | $746.82 | $6,000 | $8,900 |
| BlueEssentials Standard Silver BlueCross BlueShield of South Carolina | Silver | EPO | $612.94 | $747.46 | $6,000 | $8,900 |
| Focused Silver Ambetter from Absolute Total Care | Silver | HMO | $616.43 | $751.71 | $6,300 | $8,400 |
| Standard Silver + Vision + Adult Dental Ambetter from Absolute Total Care | Silver | HMO | $629.85 | $768.08 | $6,000 | $8,900 |
| BlueExtend PPO Standard Silver BlueCross BlueShield of South Carolina | Silver | PPO | $659.84 | $804.65 | $6,000 | $8,900 |
| BlueExtend PPO HD Silver 2 BlueCross BlueShield of South Carolina | Silver | PPO | $683.30 | $833.26 | $5,990 | $5,990 |
| BlueExtend PPO HD Silver 1 BlueCross BlueShield of South Carolina | Silver | PPO | $698.64 | $851.97 | $5,300 | $5,300 |
| InHealth Basic Plus Standard InStil Health | Gold | HMO | $574.57 | $700.67 | $2,000 | $8,200 |
| First Choice Next Gold Signature First Choice Next | Gold | HMO | $593.17 | $723.35 | $2,000 | $8,200 |
| First Choice Next Gold Premier First Choice Next | Gold | HMO | $609.10 | $742.77 | $850 | $8,500 |
| BlueEssentials Gold 5 BlueCross BlueShield of South Carolina | Gold | EPO | $620.67 | $756.88 | $250 | $9,200 |
| Standard Gold Ambetter from Absolute Total Care | Gold | HMO | $637.38 | $777.26 | $2,000 | $8,200 |
| Blue VirtuConnect Gold 1 BlueCross BlueShield of South Carolina | Gold | EPO | $641.91 | $782.78 | $2,000 | $8,200 |
| BlueEssentials Gold 1 BlueCross BlueShield of South Carolina | Gold | EPO | $651.71 | $794.74 | $2,700 | $5,400 |
| BlueEssentials Standard Gold BlueCross BlueShield of South Carolina | Gold | EPO | $654.27 | $797.86 | $2,000 | $8,200 |
| BlueExtend PPO HD Gold 2 BlueCross BlueShield of South Carolina | Gold | PPO | $685.04 | $835.39 | $4,150 | $4,150 |
| BlueExtend PPO Standard Gold BlueCross BlueShield of South Carolina | Gold | PPO | $704.47 | $859.07 | $2,000 | $8,200 |
| BlueExtend PPO HD Gold 1 BlueCross BlueShield of South Carolina | Gold | PPO | $704.95 | $859.67 | $3,400 | $3,400 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $423/mo | $354 | $490 | 16 | 3 |
| 2023 | $521/mo | $463 | $559 | 21 | 3 |
| 2024 | $510/mo | $462 | $570 | 19 | 3 |
| 2025 | $522/mo | $432 | $600 | 25 | 5 |
| 2026 | $592/mo | $525 | $699 | 18 | 4 |
What this means for Spartanburg
Use Spartanburg's own numbers here, not a national average, before you enroll.
- $592/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
- 44 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 Spartanburg's Silver premium in the lower band?
Spartanburg ranks #1401 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $592/mo. See /methodology#corpus-placement.
How many ACA plans are available in Spartanburg, SC?
There are 44 ACA marketplace plans available in Spartanburg from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Spartanburg?
The lowest-premium plan in Spartanburg starts at $405/mo (Bronze tier, age 27). Silver plans start at $525/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Spartanburg?
The benchmark (second-lowest Silver) premium in Spartanburg is $526/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Spartanburg premiums rise +12.8% year-over-year?
The average age-27 premium in Spartanburg changed by +12.8% 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 Spartanburg?
The average annual deductible across all plans in Spartanburg is $5,370, and the average out-of-pocket maximum is $8,860. 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 Spartanburg's crowded market?
There are 4 insurance issuers offering ACA marketplace plans in Spartanburg, including BlueCross BlueShield of South Carolina, Ambetter from Absolute Total Care, First Choice Next, 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 Spartanburg, SC's $526/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 Spartanburg, 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 ($526/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.