InStil Health

ACA marketplace issuer - 5 plans across 5 counties

1
State
5
Counties
5
Plans
$489
Avg Premium (Age 27)
The short answer

InStil Health is a single-state ACA marketplace issuer offering 5 plans across 1 state and 5 counties. Its average age-27 premium of $489/mo runs $151 below the national marketplace average of $640/mo.

vs Market Average

InStil Health's average premium of $489/mo is $151 below the national market average of $640/mo.

InStil Health at a Glance

InStil Health is an ACA marketplace issuer offering 5 plans across 1 state and 5 counties. Its average age-27 premium is $489/mo, the standardized rate marketplaces use for apples-to-apples comparison. Plan types on offer include HMO, each with distinct network rules for referrals, in-network cost-sharing, and out-of-network access.

Compared with the national marketplace average of $640/mo, InStil Health's average premium lands about $151 below. Lower issuer averages typically indicate concentration in lower-cost regions or a Bronze-heavy plan mix rather than leaner benefits, since all ACA plans must cover the same 10 essential health benefits.

The largest single-state presence is SC with 25 plans, though availability and exact plan lineup vary county by county within each state. Confirm specific plans, network hospitals, and provider directories directly with the issuer or on HealthCare.gov before enrolling. PlainHealthPlan is not affiliated with InStil Health. This page is informational only and is not insurance, medical, or financial advice.

Plan Types

HMO

Metal Levels Offered

Silver Gold

InStil Health average premium by metal level

The premium ladder across InStil Health's 5 ACA plans, average monthly premium (age 27) by metal tier. Bronze trades a low premium for a high deductible; Gold and Platinum invert it.

InStil Health: average premium by metal level

Silver$482/moGold$516/mo
Source: CMS Marketplace Public Use Files, plan year 2026.

Health Insurance Guides

Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum, which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount

Explore More ACA Data

All Issuers
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Where consumers have the most plan competition
Estimate Your Subsidy
Premium tax credit calculator for your household and county

Frequently Asked Questions

How many plans does InStil Health offer on the ACA marketplace? ▼
InStil Health offers 5 ACA marketplace plans across 1 state and 5 counties. Plans are available in Silver, Gold metal tiers.
What is InStil Health's average premium? ▼
InStil Health's average monthly premium is $489 for a 27-year-old. This is $151 below the national marketplace average of $640/mo.
What plan types does InStil Health offer? ▼
InStil Health offers HMO plan types. Plan type determines how you access providers, HMO plans require referrals and in-network care, while PPO and POS plans offer more flexibility at higher premiums.
In which states does InStil Health sell ACA plans? ▼
InStil Health sells ACA marketplace plans in 1 state, covering 5 counties. The largest presence is in SC with 25 plans. Availability varies by county, check your specific county for plan options.

Disclaimer: This page is for informational purposes only. Data comes from CMS Marketplace Public Use Files. PlainHealthPlan is not affiliated with InStil Health or any insurance company. Premiums shown are base rates and may not reflect your actual cost.

Read our methodology - how this data is sourced, computed, and verified.

Related

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Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial