Health insurance prices in Spartanburg County, SC (2026)
44 marketplace plans from 4 insurers. Cheapest plan $494/mo; typical Silver $733/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 42.
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 $494–$687 (typical $561) · Silver $641–$852 (typical $733) · Gold $701–$860 (typical $783)
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 |
|---|---|---|---|---|---|---|---|
| AmeriHealth Caritas Next | 8 | $494 | $532 | $644 | $733 | First Choice Next Bronze Essential | |
| InStil Health (BlueCross BlueShield of SC affiliate)BlueCross BlueShield of South Carolina | 5 | $642 Silver | no Bronze | $653 | $701 | InHealth Basic 1 | |
| BlueCross BlueShield of South CarolinaIndependent Blue Cross Blue Shield company | 22 | $502 | $550 | $747 | $798 | Blue VirtuConnect Bronze 1 | |
| Ambetter (Centene) | 9 | $583 | $602 | $752 | $777 | Everyday Bronze |
All 44 plans in Spartanburg 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 | $494 | $10,600 | $10,600 | $16,530 | |
| BlueCross BlueShield of South Carolina | Blue VirtuConnect Bronze 1 | Expanded Bronze | EPO | $502 | $7,500 | $10,000 | $16,030 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Standard Expanded Bronze | Expanded Bronze | EPO | $512 | $7,500 | $10,000 | $16,142 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Bronze 4 | Expanded Bronze | EPO | $512 | $7,200 | $10,000 | $16,144 | |
| 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 Standard Expanded Bronze | Expanded Bronze | PPO | $550 | $7,500 | $10,000 | $16,602 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Bronze 2 | Expanded Bronze | PPO | $561 | $8,300 | $8,300 | $15,029 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Bronze 1 | Expanded Bronze | PPO | $576 | $7,300 | $7,300 | $14,216 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | HMO | $583 | $8,450 | $10,150 | $17,146 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | HMO | $585 | $7,500 | $10,000 | $17,017 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $602 | $8,450 | $10,150 | $17,377 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Bronze 6 | Expanded Bronze | EPO | $603 | $0 | $10,600 | $17,832 | |
| AmeriHealth Caritas Next | First Choice Next Silver Signature | Silver | HMO | $641 | $6,000 | $8,900 | $16,589 | |
| InStil Health (BlueCross BlueShield of SC affiliate) | InHealth Basic 1 | Silver | HMO | $642 | $6,500 | $10,600 | $18,299 | |
| InStil Health (BlueCross BlueShield of SC affiliate) | InHealth Basic 1 + Adult Vision | Silver | HMO | $643 | $6,500 | $10,600 | $18,321 | |
| AmeriHealth Caritas Next | First Choice Next Silver Essential | Silver | HMO | $644 | $6,100 | $9,000 | $16,724 | |
| AmeriHealth Caritas Next | First Choice Next Silver Premier | Silver | HMO | $646 | $400 | $10,200 | $17,948 | |
| InStil Health (BlueCross BlueShield of SC affiliate) | InHealth Basic 2 | Silver | HMO | $663 | $5,300 | $10,600 | $18,551 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | HMO | $665 | $0 | $10,500 | $18,482 | |
| InStil Health (BlueCross BlueShield of SC affiliate) | InHealth Basic Standard | Silver | HMO | $666 | $6,000 | $8,900 | $16,896 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $687 | $0 | $10,500 | $18,745 | |
| InStil Health (BlueCross BlueShield of SC affiliate) | InHealth Basic Plus Standard | Gold | HMO | $701 | $2,000 | $8,200 | $16,608 | |
| AmeriHealth Caritas Next | First Choice Next Gold Signature | Gold | HMO | $723 | $2,000 | $8,200 | $16,880 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Silver 14 | Silver | EPO | $730 | $7,400 | $9,700 | $18,462 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Silver 14 + Adult Vision | Silver | EPO | $732 | $7,400 | $9,700 | $18,484 | |
| BlueCross BlueShield of South Carolina | Blue VirtuConnect Silver 1 | Silver | EPO | $733 | $6,000 | $8,900 | $17,701 | |
| AmeriHealth Caritas Next | First Choice Next Gold Premier | Gold | HMO | $743 | $850 | $8,500 | $17,413 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $744 | $6,000 | $8,900 | $17,822 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Silver 40 | Silver | EPO | $747 | $6,000 | $8,900 | $17,862 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Standard Silver | Silver | EPO | $747 | $6,000 | $8,900 | $17,870 | |
| Ambetter (Centene) | Focused Silver | Silver | HMO | $752 | $6,300 | $8,400 | $17,421 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Gold 5 | Gold | EPO | $757 | $250 | $9,200 | $18,283 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $768 | $6,000 | $8,900 | $18,117 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $777 | $2,000 | $8,200 | $17,527 | |
| BlueCross BlueShield of South Carolina | Blue VirtuConnect Gold 1 | Gold | EPO | $783 | $2,000 | $8,200 | $17,593 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Gold 1 | Gold | EPO | $795 | $2,700 | $5,400 | $14,937 | |
| BlueCross BlueShield of South Carolina | BlueEssentials Standard Gold | Gold | EPO | $798 | $2,000 | $8,200 | $17,774 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO Standard Silver | Silver | PPO | $805 | $6,000 | $8,900 | $18,556 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Silver 2 | Silver | PPO | $833 | $5,990 | $5,990 | $15,989 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Gold 2 | Gold | PPO | $835 | $4,150 | $4,150 | $14,175 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Silver 1 | Silver | PPO | $852 | $5,300 | $5,300 | $15,524 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO Standard Gold | Gold | PPO | $859 | $2,000 | $8,200 | $18,509 | |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Gold 1 | Gold | PPO | $860 | $3,400 | $3,400 | $13,716 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $494 | $561 | $687 | 15 | $7,500 | $10,000 | $16,602 |
| Silver | $641 | $733 | $852 | 18 | $6,000 | $8,900 | $17,866 |
| Gold | $701 | $783 | $860 | 11 | $2,000 | $8,200 | $17,413 |
* 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.