South Carolina ACA Health Insurance
46 counties, 6 issuers, 125 plans
Premium Range
Premiums in South Carolina range from $275/mo to $794/mo (age 27 base rate).
Reading the South Carolina Marketplace
The ACA marketplace in South Carolina lists 125 plans from 6 issuers spread across 46 counties. The statewide average premium is $500/mo for a 27-year-old, $609/mo at age 40, and $1,294/mo at age 60 — reflecting the ACA's 3-to-1 age rating band. Individual plan premiums run from $275 at the low end to $794 at the high end, before subsidies.
Geography drives most of the within-state variation: Union posts the highest Silver average at $623/mo, while McCormick sits at $447/mo — a gap shaped by local issuer competition, hospital pricing, and risk-pool composition rather than benefit differences, since every marketplace plan must cover the same 10 essential health benefits. The statewide average annual deductible is $5,169, the amount most enrollees must pay before non-preventive coverage begins.
Premium tax credits (APTCs) further reduce what most enrollees pay out of pocket, with the size of the subsidy keyed to each county's benchmark (second-lowest Silver) premium. This page is informational only and is not insurance, medical, or tax advice — confirm your exact plan options, network providers, and subsidy eligibility at HealthCare.gov before enrolling. Source: CMS Marketplace Public Use Files.
Top 5 most-expensive counties — South Carolina (Silver avg)
Source: CMS Healthcare.gov + state-based exchange rate filings (PY 2025) South Carolina ACA marketplace premiums by county and metal tier (Plan Year 2025 Rate Filing) · 2025 CMS publishes Healthcare.gov rate filings annually for the federal exchange; state-based exchanges publish on their own schedules. Premiums shown are pre-subsidy and reflect age-27 Silver averages.
Most Expensive Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Union | $623/mo | 68 | 5 |
| 2 | Cherokee | $615/mo | 68 | 5 |
| 3 | Anderson | $607/mo | 39 | 3 |
| 4 | Spartanburg | $592/mo | 44 | 4 |
| 5 | Newberry | $586/mo | 60 | 4 |
Most Affordable Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | McCormick | $447/mo | 43 | 3 |
| 2 | Greenwood | $454/mo | 43 | 3 |
| 3 | Abbeville | $454/mo | 43 | 3 |
| 4 | Georgetown | $455/mo | 48 | 3 |
| 5 | Horry | $464/mo | 48 | 3 |
All Counties in South Carolina
| County | Silver Avg | Bronze Avg | Gold Avg | Plans | Issuers | YoY |
|---|---|---|---|---|---|---|
| Abbeville | $454 | N/A | $475 | 43 | 3 | +27.4% |
| Aiken | $478 | N/A | $496 | 43 | 3 | +30.7% |
| Allendale | $530 | $376 | $544 | 60 | 4 | +27.0% |
| Anderson | $607 | $418 | $655 | 39 | 3 | +33.0% |
| Bamberg | $505 | N/A | $528 | 43 | 3 | +30.0% |
| Barnwell | $494 | N/A | $506 | 43 | 3 | +30.4% |
| Beaufort | $518 | $328 | $545 | 52 | 3 | +26.3% |
| Berkeley | $532 | $360 | $558 | 60 | 4 | +29.1% |
| Calhoun | $551 | $409 | $577 | 68 | 5 | +34.2% |
| Charleston | $494 | $356 | $518 | 60 | 4 | +30.6% |
| Cherokee | $615 | $456 | $650 | 68 | 5 | +28.4% |
| Chester | $581 | $429 | $607 | 68 | 5 | +29.4% |
| Chesterfield | $539 | N/A | $574 | 48 | 4 | +31.6% |
| Clarendon | $529 | $345 | $549 | 60 | 4 | +30.4% |
| Colleton | $559 | $374 | $576 | 60 | 4 | +33.0% |
| Darlington | $509 | N/A | $544 | 48 | 4 | +22.7% |
| Dillon | $533 | $383 | $569 | 51 | 4 | +32.6% |
| Dorchester | $512 | $364 | $541 | 60 | 4 | +32.0% |
| Edgefield | $464 | N/A | $487 | 43 | 3 | +28.2% |
| Fairfield | $553 | $424 | $579 | 68 | 5 | +32.1% |
| Florence | $523 | $341 | $559 | 57 | 4 | +29.4% |
| Georgetown | $455 | $316 | $495 | 48 | 3 | +28.8% |
| Greenville | $540 | $361 | $584 | 48 | 3 | +27.8% |
| Greenwood | $454 | N/A | $471 | 43 | 3 | +28.3% |
| Hampton | $526 | $395 | $546 | 67 | 4 | +31.7% |
| Horry | $464 | $325 | $502 | 48 | 3 | +30.6% |
| Jasper | $500 | N/A | $528 | 50 | 3 | +27.2% |
| Kershaw | $514 | $373 | $544 | 77 | 5 | +27.4% |
| Lancaster | $581 | $413 | $605 | 68 | 5 | +33.6% |
| Laurens | $578 | $402 | $625 | 65 | 4 | +32.8% |
| Lee | $550 | $348 | $571 | 60 | 4 | +28.7% |
| Lexington | $561 | $329 | $595 | 52 | 3 | +22.3% |
| Marion | $515 | $366 | $545 | 60 | 4 | +27.7% |
| Marlboro | $553 | $368 | $569 | 60 | 4 | +28.6% |
| McCormick | $447 | N/A | $464 | 43 | 3 | +29.5% |
| Newberry | $586 | $449 | $604 | 60 | 4 | +30.0% |
| Oconee | $505 | $305 | $542 | 40 | 2 | +27.2% |
| Orangeburg | $483 | $293 | $520 | 40 | 2 | +26.2% |
| Pickens | $540 | $368 | $583 | 48 | 3 | +29.9% |
| Richland | $534 | $361 | $565 | 60 | 4 | +26.1% |
| Saluda | $539 | $424 | $558 | 60 | 4 | +31.9% |
| Spartanburg | $592 | $405 | $643 | 44 | 4 | +21.4% |
| Sumter | $479 | N/A | $505 | 50 | 3 | +30.1% |
| Union | $623 | $461 | $656 | 68 | 5 | +31.4% |
| Williamsburg | $498 | $327 | $525 | 69 | 4 | +26.1% |
| York | $575 | N/A | $596 | 48 | 4 | +20.9% |
Health Insurance Guides
Related Health & Cost Data
ACA Health Insurance in South Carolina
The Affordable Care Act marketplace in South Carolina offers 125 health insurance plans from 6 issuers across 46 counties. Premiums vary significantly by geography: the most expensive county (Union) averages $623/mo for a Silver plan, while the most affordable (McCormick) averages $447/mo.
Many consumers qualify for premium tax credits that significantly reduce monthly costs. Subsidies are based on household income relative to the federal poverty level. The average deductible across plans is $5,169, though lower-deductible options are available at higher monthly premiums.
Frequently Asked Questions
How much does health insurance cost in South Carolina? ▼
What is the cheapest health insurance plan in South Carolina? ▼
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What is the average deductible for health plans in South Carolina? ▼
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are base rates for a 27-year-old non-tobacco user unless otherwise noted. Actual premiums vary by age, location, tobacco use, and subsidy eligibility. Source: CMS Marketplace PUF.
Read our methodology — how this data is sourced, computed, and verified.
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