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Marketplace health plans in Richland 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, Richland 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 $571.13 per month; the lowest bronze premium is $385.70.
What changed vs 2025
- Benchmark silver premium up $91.29 a month (+19.0%) from 2025
- 16 fewer plans than 2025
- Insurers exited: UnitedHealthcare
- Lowest bronze premium up $36.88 a month
Market snapshot
- Residents under 65
- 362,649
- Insurers
- 4
- Plans by metal level
- 18 bronze, 23 silver, 19 gold
- Benchmark silver premium, age 40, before subsidies
- $571.13/mo
- Lowest bronze premium, age 40, before subsidies
- $385.70/mo
- Lowest gold premium, age 40, before subsidies
- $597.67/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 Congaree Bronze 2 (26065SC0720010) | BlueCross BlueShield of South Carolina | HMO | $385.70 | $10,600 | $10,600 | 18 |
|---|
| Silver | Blue Congaree Silver 2 (26065SC0720003) | BlueCross BlueShield of South Carolina | HMO | $569.35 | $7,900 | $8,800 | 23 |
|---|
| Gold | Blue Congaree Gold 1 (26065SC0720001) | BlueCross BlueShield of South Carolina | HMO | $597.67 | $250 | $8,900 | 19 |
|---|
One plan per metal level shown, of 60 plans in the county.
Benchmark silver premium by age
The benchmark plan (BlueCross BlueShield of South Carolina) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $446.89 | $468.34 | $507.22 | $571.13 | $798.15 | $1,212.86 |
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.