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Marketplace health plans in Charleston County, SC — 2026
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2026, Charleston County, South Carolina has 60 Marketplace health plans from 4 insurers: 18 bronze, 23 silver, 19 gold. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $509.08 per month; the lowest bronze premium is $390.54.
What changed vs 2025
- Benchmark silver premium up $108.70 a month (+27.1%) from 2025
- 16 fewer plans than 2025
- Insurers exited: UnitedHealthcare
- Lowest bronze premium up $65.92 a month
Market snapshot
- Residents under 65
- 345,236
- Insurers
- 4
- Plans by metal level
- 18 bronze, 23 silver, 19 gold
- Benchmark silver premium, age 40, before subsidies
- $509.08/mo
- Lowest bronze premium, age 40, before subsidies
- $390.54/mo
- Lowest gold premium, age 40, before subsidies
- $519.51/mo
- Lowest silver deductible
- $400
- Lowest out-of-pocket maximum
- $3,400
Insurers in the county
- BlueCross BlueShield of South Carolina — 31 plans (Bronze, Silver, Gold)
- Molina Healthcare — 12 plans (Silver, Gold)
- Ambetter from Absolute Total Care — 9 plans (Bronze, Silver, Gold)
- First Choice Next — 8 plans (Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|
| Bronze | Blue Cooper Bronze 2 (26065SC0700010) | BlueCross BlueShield of South Carolina | HMO | $390.54 | $10,600 | $10,600 | 18 |
|---|
| Silver | Molina Silver Saver (42326SC0010010) | Molina Healthcare | HMO | $506.07 | $7,000 | $10,150 | 23 |
|---|
| Gold | Molina Gold Core 1640 (42326SC0010001) | Molina Healthcare | HMO | $519.51 | $1,640 | $8,100 | 19 |
|---|
One plan per metal level shown, of 60 plans in the county.
Benchmark silver premium by age
The benchmark plan (Molina Healthcare) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $398.34 | $417.46 | $452.12 | $509.08 | $711.44 | $1,081.10 |
Nearby counties
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About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2026; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.