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Marketplace health plans in Spartanburg 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, Spartanburg County, South Carolina has 44 Marketplace health plans from 4 insurers: 15 bronze, 18 silver, 11 gold. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $641.58 per month; the lowest bronze premium is $494.14.
What changed vs 2025
- Benchmark silver premium up $112.46 a month (+21.3%) from 2025
- 20 fewer plans than 2025
- Insurers entered: First Choice Next
- Insurers exited: Molina Healthcare, UnitedHealthcare
- Lowest bronze premium up $68.41 a month
Market snapshot
- Residents under 65
- 291,177
- Insurers
- 4
- Plans by metal level
- 15 bronze, 18 silver, 11 gold
- Benchmark silver premium, age 40, before subsidies
- $641.58/mo
- Lowest bronze premium, age 40, before subsidies
- $494.14/mo
- Lowest gold premium, age 40, before subsidies
- $700.67/mo
- Lowest silver deductible
- $400
- Lowest out-of-pocket maximum
- $3,400
Insurers in the county
- BlueCross BlueShield of South Carolina — 22 plans (Bronze, Silver, Gold)
- Ambetter from Absolute Total Care — 9 plans (Bronze, Silver, Gold)
- First Choice Next — 8 plans (Bronze, Silver, Gold)
- InStil Health — 5 plans (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 | First Choice Next Bronze Essential (73107SC0010001) | First Choice Next | HMO | $494.14 | $10,600 | $10,600 | 15 |
|---|
| Silver | First Choice Next Silver Signature (73107SC0010003) | First Choice Next | HMO | $640.74 | $6,000 | $8,900 | 18 |
|---|
| Gold | InHealth Basic Plus Standard (33863SC0010004) | InStil Health | HMO | $700.67 | $2,000 | $8,200 | 11 |
|---|
One plan per metal level shown, of 44 plans in the county.
Benchmark silver premium by age
The benchmark plan (InStil Health) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $502.02 | $526.11 | $569.79 | $641.58 | $896.60 | $1,362.47 |
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.