Health insurance prices in Lancaster County, SC (2026)
68 marketplace plans from 5 insurers. Cheapest plan $496/mo; typical Silver $726/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 29.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $496–$598 (typical $535) · Silver $601–$845 (typical $726) · Gold $617–$852 (typical $763)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Molina Healthcare | 12 | $601 Silver | no Bronze | $606 | $626 | Molina Silver Saver | |
| Ambetter (Centene) | 9 | $499 | $515 | $643 | $665 | Everyday Bronze | |
| AmeriHealth Caritas Next | 8 | $496 | $534 | $646 | $736 | First Choice Next Bronze Essential | |
| BlueCross BlueShield of South CarolinaIndependent Blue Cross Blue Shield company | 22 | $498 | $545 | $741 | $791 | Blue VirtuConnect Bronze 1 | |
| UnitedHealthcareUnitedHealth Group | 17 | $507 | $537 | $777 | $804 | UHC Bronze Essential- |
All 68 plans in Lancaster County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| AmeriHealth Caritas Next | First Choice Next Bronze Essential | Bronze | HMO | $496 | $10,600 | $10,600 | $16,553 | |
| BlueCross BlueShield of South Carolina | Blue VirtuConnect Bronze 1 | Expanded Bronze | EPO | $498 | $7,500 | $10,000 | $15,978 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | HMO | $499 | $8,450 | $10,150 | $16,135 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | HMO | $500 | $7,500 | $10,000 | $16,002 | |
| UnitedHealthcare | UHC Bronze Essential- | Bronze | HMO | $507 | $10,600 | $10,600 | $16,679 | |
| UnitedHealthcare | UHC Bronze Essential | Bronze | HMO | $507 | $10,600 | $10,600 | $16,679 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Standard Expanded Bronze | Expanded Bronze | EPO | $507 | $7,500 | $10,000 | $16,089 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Bronze 4 | Expanded Bronze | EPO | $508 | $7,200 | $10,000 | $16,091 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $515 | $8,450 | $10,150 | $16,332 | |
| AmeriHealth Caritas Next | First Choice Next Bronze Signature | Expanded Bronze | HMO | $534 | $7,500 | $10,000 | $16,413 | |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | HMO | $535 | $7,500 | $10,000 | $16,422 | |
| AmeriHealth Caritas Next | First Choice Next Bronze Premier | Expanded Bronze | HMO | $539 | $3,850 | $10,600 | $17,065 | |
| UnitedHealthcare | UHC Bronze Standard Plus Chiro | Expanded Bronze | HMO | $539 | $7,500 | $10,000 | $16,470 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO Standard Expanded Bronze | Expanded Bronze | PPO | $545 | $7,500 | $10,000 | $16,545 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded | Expanded Bronze | HMO | $553 | $0 | $10,600 | $17,240 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Bronze 2 | Expanded Bronze | PPO | $556 | $8,300 | $8,300 | $14,971 | |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded (Dental + Vision) | Expanded Bronze | HMO | $569 | $0 | $10,600 | $17,423 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | HMO | $569 | $0 | $10,500 | $17,327 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Bronze 1 | Expanded Bronze | PPO | $571 | $7,300 | $7,300 | $14,157 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $588 | $0 | $10,500 | $17,553 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Bronze 6 | Expanded Bronze | EPO | $598 | $0 | $10,600 | $17,770 | |
| Molina Healthcare | Molina Silver Saver | Silver | HMO | $601 | $7,000 | $10,150 | $17,362 | |
| Molina Healthcare | Molina Silver Standard | Silver | HMO | $605 | $6,000 | $8,900 | $16,155 | |
| Molina Healthcare | Molina Silver Core | Silver | HMO | $606 | $6,000 | $8,990 | $16,256 | |
| Molina Healthcare | Molina Silver Core Plus with Adult Vision | Silver | HMO | $610 | $6,000 | $8,990 | $16,305 | |
| Molina Healthcare | Molina Gold Core 1640 | Gold | HMO | $617 | $1,640 | $8,100 | $15,504 | |
| Molina Healthcare | Molina Gold Core 1640 Plus with Adult Vision | Gold | HMO | $621 | $1,640 | $8,100 | $15,553 | |
| Molina Healthcare | Molina Gold Value | Gold | HMO | $622 | $2,250 | $8,000 | $15,469 | |
| Molina Healthcare | Molina Gold Value Plus with Adult Vision | Gold | HMO | $626 | $2,250 | $8,000 | $15,518 | |
| Molina Healthcare | Molina Silver Core Plus with Adult Dental and Vision | Silver | HMO | $628 | $6,000 | $8,990 | $16,529 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $636 | $6,000 | $8,900 | $16,532 | |
| Ambetter (Centene) | Focused Silver | Silver | HMO | $643 | $6,300 | $8,400 | $16,116 | |
| AmeriHealth Caritas Next | First Choice Next Silver Signature | Silver | HMO | $643 | $6,000 | $8,900 | $16,619 | |
| Molina Healthcare | Molina Gold Standard | Gold | HMO | $645 | $2,000 | $8,200 | $15,934 | |
| Molina Healthcare | Molina Gold Value Plus with Adult Dental and Vision | Gold | HMO | $645 | $2,250 | $8,000 | $15,742 | |
| AmeriHealth Caritas Next | First Choice Next Silver Essential | Silver | HMO | $646 | $6,100 | $9,000 | $16,754 | |
| AmeriHealth Caritas Next | First Choice Next Silver Premier | Silver | HMO | $648 | $400 | $10,200 | $17,978 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $657 | $6,000 | $8,900 | $16,784 | |
| Molina Healthcare | Molina Gold Core 1640 Plus with Adult Dental and Vision | Gold | HMO | $661 | $1,640 | $8,100 | $16,034 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $665 | $2,000 | $8,200 | $16,178 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Silver 14 | Silver | EPO | $724 | $7,400 | $9,700 | $18,387 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Silver 14 + Adult Vision | Silver | EPO | $726 | $7,400 | $9,700 | $18,409 | |
| AmeriHealth Caritas Next | First Choice Next Gold Signature | Gold | HMO | $726 | $2,000 | $8,200 | $16,914 | |
| BlueCross BlueShield of South Carolina | Blue VirtuConnect Silver 1 | Silver | EPO | $727 | $6,000 | $8,900 | $17,626 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Silver 40 | Silver | EPO | $740 | $6,000 | $8,900 | $17,785 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Standard Silver | Silver | EPO | $741 | $6,000 | $8,900 | $17,793 | |
| AmeriHealth Caritas Next | First Choice Next Gold Premier | Gold | HMO | $746 | $850 | $8,500 | $17,448 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Gold 5 | Gold | EPO | $750 | $250 | $9,200 | $18,205 | |
| UnitedHealthcare | UHC Silver Standard- | Silver | HMO | $774 | $6,000 | $8,900 | $18,192 | |
| UnitedHealthcare | UHC Silver Standard | Silver | HMO | $775 | $6,000 | $8,900 | $18,196 | |
| BlueCross BlueShield of South Carolina | Blue VirtuConnect Gold 1 | Gold | EPO | $776 | $2,000 | $8,200 | $17,513 | |
| UnitedHealthcare | UHC Silver Advantage | Silver | HMO | $776 | $2,750 | $10,600 | $19,915 | |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded | Silver | HMO | $778 | $0 | $10,150 | $19,482 | |
| UnitedHealthcare | UHC Silver Standard Plus Chiro | Silver | HMO | $779 | $6,000 | $8,900 | $18,244 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded | Gold | HMO | $785 | $0 | $10,150 | $19,567 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Gold 1 | Gold | EPO | $788 | $2,700 | $5,400 | $14,855 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Standard Gold | Gold | EPO | $791 | $2,000 | $8,200 | $17,692 | |
| UnitedHealthcare | UHC Silver Advantage+ (Dental + Vision) | Silver | HMO | $791 | $2,750 | $10,600 | $20,097 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO Standard Silver | Silver | PPO | $798 | $6,000 | $8,900 | $18,473 | |
| UnitedHealthcare | UHC Gold Standard | Gold | HMO | $800 | $2,000 | $8,200 | $17,798 | |
| UnitedHealthcare | UHC Gold Standard Plus Chiro | Gold | HMO | $804 | $2,000 | $8,200 | $17,845 | |
| UnitedHealthcare | UHC Gold Advantage | Gold | HMO | $808 | $1,200 | $9,250 | $18,944 | |
| UnitedHealthcare | UHC Gold Advantage+ (Dental + Vision) | Gold | HMO | $823 | $1,200 | $9,250 | $19,126 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Silver 2 | Silver | PPO | $826 | $5,990 | $5,990 | $15,904 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Gold 2 | Gold | PPO | $828 | $4,150 | $4,150 | $14,089 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Silver 1 | Silver | PPO | $845 | $5,300 | $5,300 | $15,436 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO Standard Gold | Gold | PPO | $852 | $2,000 | $8,200 | $18,421 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Gold 1 | Gold | PPO | $852 | $3,400 | $3,400 | $13,628 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $496 | $535 | $598 | 21 | $7,500 | $10,150 | $16,470 |
| Silver | $601 | $726 | $845 | 25 | $6,000 | $8,900 | $17,626 |
| Gold | $617 | $763 | $852 | 22 | $2,000 | $8,200 | $16,546 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.