Health insurance prices in Richland County, SC (2026)
60 marketplace plans from 4 insurers. Cheapest plan $386/mo; typical Silver $641/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 40.
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 $386–$577 (typical $500) · Silver $569–$803 (typical $641) · Gold $598–$810 (typical $656)
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 | $596 Silver | no Bronze | $601 | $622 | Molina Silver Saver | |
| Ambetter (Centene) | 9 | $490 | $506 | $631 | $653 | Everyday Bronze | |
| AmeriHealth Caritas Next | 8 | $494 | $532 | $644 | $733 | First Choice Next Bronze Essential | |
| BlueCross BlueShield of South CarolinaIndependent Blue Cross Blue Shield company | 31 | $386 | $482 | $691 | $749 | Blue Congaree Bronze 2 |
All 60 plans in Richland County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| BlueCross BlueShield of South Carolina | Blue Congaree Bronze 2 | Bronze | HMO | $386 | $10,600 | $10,600 | $15,228 | |
| BlueCross BlueShield of South Carolina | Blue Congaree Standard Expanded Bronze | Expanded Bronze | HMO | $401 | $7,500 | $10,000 | $14,810 | |
| BlueCross BlueShield of South Carolina | Blue Congaree Bronze 1 | Expanded Bronze | HMO | $404 | $7,900 | $9,500 | $14,345 | |
| BlueCross BlueShield of South Carolina | Blue VirtuConnect Bronze 1 | Expanded Bronze | EPO | $474 | $7,500 | $10,000 | $15,682 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Standard Expanded Bronze | Expanded Bronze | EPO | $482 | $7,500 | $10,000 | $15,788 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Bronze 4 | Expanded Bronze | EPO | $482 | $7,200 | $10,000 | $15,790 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | HMO | $490 | $8,450 | $10,150 | $16,026 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | HMO | $491 | $7,500 | $10,000 | $15,893 | |
| AmeriHealth Caritas Next | First Choice Next Bronze Essential | Bronze | HMO | $494 | $10,600 | $10,600 | $16,530 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $506 | $8,450 | $10,150 | $16,220 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO Standard Expanded Bronze | Expanded Bronze | PPO | $518 | $7,500 | $10,000 | $16,222 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Bronze 2 | Expanded Bronze | PPO | $528 | $8,300 | $8,300 | $14,641 | |
| AmeriHealth Caritas Next | First Choice Next Bronze Signature | Expanded Bronze | HMO | $532 | $7,500 | $10,000 | $16,388 | |
| AmeriHealth Caritas Next | First Choice Next Bronze Premier | Expanded Bronze | HMO | $537 | $3,850 | $10,600 | $17,040 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Bronze 1 | Expanded Bronze | PPO | $543 | $7,300 | $7,300 | $13,818 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | HMO | $559 | $0 | $10,500 | $17,204 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Bronze 6 | Expanded Bronze | EPO | $568 | $0 | $10,600 | $17,416 | |
| BlueCross BlueShield of South Carolina | Blue Congaree Silver 2 | Silver | HMO | $569 | $7,900 | $8,800 | $15,632 | |
| BlueCross BlueShield of South Carolina | Blue Congaree Silver 2 + Adult Vision | Silver | HMO | $571 | $7,900 | $8,800 | $15,654 | |
| BlueCross BlueShield of South Carolina | Blue Congaree Silver 1 | Silver | HMO | $573 | $7,000 | $10,500 | $17,377 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $577 | $0 | $10,500 | $17,425 | |
| BlueCross BlueShield of South Carolina | Blue Congaree Standard Silver | Silver | HMO | $582 | $6,000 | $8,900 | $15,884 | |
| Molina Healthcare | Molina Silver Saver | Silver | HMO | $596 | $7,000 | $10,150 | $17,307 | |
| BlueCross BlueShield of South Carolina | Blue Congaree Gold 1 | Gold | HMO | $598 | $250 | $8,900 | $16,072 | |
| Molina Healthcare | Molina Silver Standard | Silver | HMO | $600 | $6,000 | $8,900 | $16,099 | |
| Molina Healthcare | Molina Silver Core | Silver | HMO | $601 | $6,000 | $8,990 | $16,200 | |
| Molina Healthcare | Molina Silver Core Plus with Adult Vision | Silver | HMO | $605 | $6,000 | $8,990 | $16,248 | |
| Molina Healthcare | Molina Gold Core 1640 | Gold | HMO | $612 | $1,640 | $8,100 | $15,447 | |
| Molina Healthcare | Molina Gold Core 1640 Plus with Adult Vision | Gold | HMO | $616 | $1,640 | $8,100 | $15,495 | |
| Molina Healthcare | Molina Gold Value | Gold | HMO | $618 | $2,250 | $8,000 | $15,411 | |
| BlueCross BlueShield of South Carolina | Blue Congaree Standard Gold | Gold | HMO | $621 | $2,000 | $8,200 | $15,650 | |
| Molina Healthcare | Molina Gold Value Plus with Adult Vision | Gold | HMO | $622 | $2,250 | $8,000 | $15,459 | |
| Molina Healthcare | Molina Silver Core Plus with Adult Dental and Vision | Silver | HMO | $623 | $6,000 | $8,990 | $16,470 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $624 | $6,000 | $8,900 | $16,394 | |
| Ambetter (Centene) | Focused Silver | Silver | HMO | $631 | $6,300 | $8,400 | $15,976 | |
| Molina Healthcare | Molina Gold Standard | Gold | HMO | $640 | $2,000 | $8,200 | $15,874 | |
| Molina Healthcare | Molina Gold Value Plus with Adult Dental and Vision | Gold | HMO | $640 | $2,250 | $8,000 | $15,682 | |
| AmeriHealth Caritas Next | First Choice Next Silver Signature | Silver | HMO | $641 | $6,000 | $8,900 | $16,589 | |
| AmeriHealth Caritas Next | First Choice Next Silver Essential | Silver | HMO | $644 | $6,100 | $9,000 | $16,724 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $645 | $6,000 | $8,900 | $16,641 | |
| AmeriHealth Caritas Next | First Choice Next Silver Premier | Silver | HMO | $646 | $400 | $10,200 | $17,948 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $653 | $2,000 | $8,200 | $16,033 | |
| Molina Healthcare | Molina Gold Core 1640 Plus with Adult Dental and Vision | Gold | HMO | $656 | $1,640 | $8,100 | $15,972 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Silver 14 | Silver | EPO | $688 | $7,400 | $9,700 | $17,957 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Silver 14 + Adult Vision | Silver | EPO | $690 | $7,400 | $9,700 | $17,978 | |
| BlueCross BlueShield of South Carolina | Blue VirtuConnect Silver 1 | Silver | EPO | $691 | $6,000 | $8,900 | $17,194 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Silver 40 | Silver | EPO | $704 | $6,000 | $8,900 | $17,346 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Standard Silver | Silver | EPO | $704 | $6,000 | $8,900 | $17,353 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Gold 5 | Gold | EPO | $713 | $250 | $9,200 | $17,759 | |
| AmeriHealth Caritas Next | First Choice Next Gold Signature | Gold | HMO | $723 | $2,000 | $8,200 | $16,880 | |
| BlueCross BlueShield of South Carolina | Blue VirtuConnect Gold 1 | Gold | EPO | $738 | $2,000 | $8,200 | $17,052 | |
| AmeriHealth Caritas Next | First Choice Next Gold Premier | Gold | HMO | $743 | $850 | $8,500 | $17,413 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Gold 1 | Gold | EPO | $749 | $2,700 | $5,400 | $14,388 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Standard Gold | Gold | EPO | $752 | $2,000 | $8,200 | $17,223 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO Standard Silver | Silver | PPO | $758 | $6,000 | $8,900 | $18,000 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Silver 2 | Silver | PPO | $785 | $5,990 | $5,990 | $15,413 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Gold 2 | Gold | PPO | $787 | $4,150 | $4,150 | $13,597 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Silver 1 | Silver | PPO | $803 | $5,300 | $5,300 | $14,935 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO Standard Gold | Gold | PPO | $810 | $2,000 | $8,200 | $17,915 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Gold 1 | Gold | PPO | $810 | $3,400 | $3,400 | $13,122 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $386 | $500 | $577 | 18 | $7,500 | $10,000 | $15,960 |
| Silver | $569 | $641 | $803 | 23 | $6,000 | $8,900 | $16,589 |
| Gold | $598 | $656 | $810 | 19 | $2,000 | $8,200 | $15,874 |
* 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.