ACA marketplace plans in Spartanburg County, South Carolina (2026)
Spartanburg County, South Carolina has 44 ACA marketplace plans from 4 insurers in 2026, with monthly premiums for a 40-year-old ranging from $494 to $860 and a benchmark (second-lowest-cost silver) plan at $642 per month.
Updated July 21, 2026 · Reviewed by Jason Burns, Editorial Steward
Plan table
| Issuer | Plan | Metal | Age 21 | Age 40 | Age 60 | Deductible | MOOP |
|---|---|---|---|---|---|---|---|
| First Choice Next | First Choice Next Bronze Essential | Bronze | $386.66 | $494.14 | $1,049.37 | $10,600 | $10,600 |
| BlueCross BlueShield of South Carolina | Blue VirtuConnect Bronze 1 | Expanded Bronze | $393.16 | $502.46 | $1,067.04 | $7,500 | $10,000 |
| BlueCross BlueShield of South Carolina | BlueEssentials Standard Expanded Bronze | Expanded Bronze | $400.48 | $511.82 | $1,086.91 | $7,500 | $10,000 |
| BlueCross BlueShield of South Carolina | BlueEssentials Bronze 4 | Expanded Bronze | $400.62 | $511.99 | $1,087.27 | $7,200 | $10,000 |
| First Choice Next | First Choice Next Bronze Signature | Expanded Bronze | $416.52 | $532.31 | $1,130.43 | $7,500 | $10,000 |
| First Choice Next | First Choice Next Bronze Premier | Expanded Bronze | $419.95 | $536.69 | $1,139.72 | $3,850 | $10,600 |
| BlueCross BlueShield of South Carolina | BlueExtend PPO Standard Expanded Bronze | Expanded Bronze | $430.48 | $550.15 | $1,168.32 | $7,500 | $10,000 |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Bronze 2 | Expanded Bronze | $438.77 | $560.74 | $1,190.81 | $8,300 | $8,300 |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Bronze 1 | Expanded Bronze | $450.98 | $576.35 | $1,223.95 | $7,300 | $7,300 |
| Ambetter from Absolute Total Care | Everyday Bronze | Expanded Bronze | $456.22 | $583.04 | $1,238.17 | $8,450 | $10,150 |
| Ambetter from Absolute Total Care | Standard Expanded Bronze | Expanded Bronze | $457.56 | $584.74 | $1,241.78 | $7,500 | $10,000 |
| Ambetter from Absolute Total Care | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | $471.28 | $602.29 | $1,279.04 | $8,450 | $10,150 |
| BlueCross BlueShield of South Carolina | BlueEssentials Bronze 6 | Expanded Bronze | $471.58 | $602.67 | $1,279.85 | $0 | $10,600 |
| Ambetter from Absolute Total Care | Elite Bronze | Expanded Bronze | $520.48 | $665.16 | $1,412.55 | $0 | $10,500 |
| Ambetter from Absolute Total Care | Elite Bronze + Vision + Adult Dental | Expanded Bronze | $537.66 | $687.11 | $1,459.18 | $0 | $10,500 |
| InStil Health | InHealth Basic Plus Standard | Gold | $548.26 | $700.67 | $1,487.97 | $2,000 | $8,200 |
| First Choice Next | First Choice Next Gold Signature | Gold | $566.00 | $723.35 | $1,536.12 | $2,000 | $8,200 |
| First Choice Next | First Choice Next Gold Premier | Gold | $581.20 | $742.77 | $1,577.37 | $850 | $8,500 |
| BlueCross BlueShield of South Carolina | BlueEssentials Gold 5 | Gold | $592.24 | $756.88 | $1,607.34 | $250 | $9,200 |
| Ambetter from Absolute Total Care | Standard Gold | Gold | $608.20 | $777.26 | $1,650.62 | $2,000 | $8,200 |
| BlueCross BlueShield of South Carolina | Blue VirtuConnect Gold 1 | Gold | $612.51 | $782.78 | $1,662.34 | $2,000 | $8,200 |
| BlueCross BlueShield of South Carolina | BlueEssentials Gold 1 | Gold | $621.86 | $794.74 | $1,687.73 | $2,700 | $5,400 |
| BlueCross BlueShield of South Carolina | BlueEssentials Standard Gold | Gold | $624.30 | $797.86 | $1,694.36 | $2,000 | $8,200 |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Gold 2 | Gold | $653.67 | $835.39 | $1,774.05 | $4,150 | $4,150 |
| BlueCross BlueShield of South Carolina | BlueExtend PPO Standard Gold | Gold | $672.20 | $859.07 | $1,824.35 | $2,000 | $8,200 |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Gold 1 | Gold | $672.67 | $859.67 | $1,825.62 | $3,400 | $3,400 |
| First Choice Next | First Choice Next Silver Signature | Silver | $501.36 | $640.74 | $1,360.69 | $6,000 | $8,900 |
| InStil Health | InHealth Basic 1 | Silver | $502.02 | $641.58 | $1,362.47 | $6,500 | $10,600 |
| InStil Health | InHealth Basic 1 + Adult Vision | Silver | $503.44 | $643.39 | $1,366.33 | $6,500 | $10,600 |
| First Choice Next | First Choice Next Silver Essential | Silver | $503.62 | $643.63 | $1,366.82 | $6,100 | $9,000 |
| First Choice Next | First Choice Next Silver Premier | Silver | $505.20 | $645.65 | $1,371.11 | $400 | $10,200 |
| InStil Health | InHealth Basic 2 | Silver | $518.43 | $662.55 | $1,407.01 | $5,300 | $10,600 |
| InStil Health | InHealth Basic Standard | Silver | $521.41 | $666.37 | $1,415.12 | $6,000 | $8,900 |
| BlueCross BlueShield of South Carolina | BlueEssentials Silver 14 | Silver | $571.31 | $730.13 | $1,550.53 | $7,400 | $9,700 |
| BlueCross BlueShield of South Carolina | BlueEssentials Silver 14 + Adult Vision | Silver | $572.80 | $732.04 | $1,554.57 | $7,400 | $9,700 |
| BlueCross BlueShield of South Carolina | Blue VirtuConnect Silver 1 | Silver | $573.86 | $733.40 | $1,557.47 | $6,000 | $8,900 |
| Ambetter from Absolute Total Care | Standard Silver | Silver | $581.81 | $743.53 | $1,578.99 | $6,000 | $8,900 |
| BlueCross BlueShield of South Carolina | BlueEssentials Silver 40 | Silver | $584.36 | $746.82 | $1,585.96 | $6,000 | $8,900 |
| BlueCross BlueShield of South Carolina | BlueEssentials Standard Silver | Silver | $584.86 | $747.46 | $1,587.32 | $6,000 | $8,900 |
| Ambetter from Absolute Total Care | Focused Silver | Silver | $588.20 | $751.71 | $1,596.35 | $6,300 | $8,400 |
| Ambetter from Absolute Total Care | Standard Silver + Vision + Adult Dental | Silver | $601.01 | $768.08 | $1,631.11 | $6,000 | $8,900 |
| BlueCross BlueShield of South Carolina | BlueExtend PPO Standard Silver | Silver | $629.61 | $804.65 | $1,708.77 | $6,000 | $8,900 |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Silver 2 | Silver | $652.00 | $833.26 | $1,769.53 | $5,990 | $5,990 |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Silver 1 | Silver | $666.64 | $851.97 | $1,809.27 | $5,300 | $5,300 |
Cost-sharing reductions (CSR)
Silver plans in this county carry the standard cost-sharing shown above. If your household income is between 100% and 250% of the federal poverty level, HealthCare.gov automatically applies CSR variants of silver plans that lower deductibles, copays, and the annual out-of-pocket maximum — the plan name stays the same but the numbers on your Summary of Benefits change.
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025, so for plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit at all, and lower-income households pay a larger share of the benchmark plan's premium (see the Congressional Research Service report R48290 and KFF's 2026 premium tracker). These figures describe the rules; nothing on this page is a recommendation.
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan, premium, deductible, and out-of-pocket figures on this page come from this file.
- HealthCare.gov — official federal marketplace where these plans are sold.