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South Carolina · 2026 plan year

Gold health insurance plans in South Carolina (2026)

There are 34 Gold plans on the South Carolina Marketplace from 6 insurers, and they are not interchangeable — premiums run from $373 to $522 a month for the same metal tier. Here is what separates them.

34
Gold plans
6
Insurers
46
Counties covered
$373
Cheapest premium
$2,000
Median deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

South Carolina Gold premiums rank 3rd cheapest of 35.

Averaged across all 34 plans, Gold coverage in South Carolina costs $457 a month before subsidies — 3rd lowest of the 35 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Cost

What a Gold plan costs in South Carolina in 2026

Across all 34 Gold plans in South Carolina, monthly premiums run from $373 to $522, averaging $457. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most South Carolina enrollees, often to a fraction of the sticker price.

Deductibles

Gold plan deductibles in South Carolina

Gold deductibles in South Carolina run from $250 to $4,150, with a median of $2,000 across the 31 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $1,733 because the spread is not symmetric. The other 3 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Gold out-of-pocket maximums in South Carolina

Individual out-of-pocket maximums on South Carolina Gold plans run from $3,400 to $10,150, with a median of $8,200. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

Lowest premiums

The cheapest Gold plans in South Carolina

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Standard GoldAmbetter from Absolute Total Care$373$2,000$8,200
Molina Gold Core 1640Molina Healthcare$397$1,640$8,100
Molina Gold Core 1640 Plus with Adult VisionMolina Healthcare$399$1,640$8,100
Molina Gold ValueMolina Healthcare$400$2,250$8,000
Molina Gold Value Plus with Adult VisionMolina Healthcare$403$2,250$8,000

Showing 5 of 34. See all South Carolina Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier averageDeductible range
BlueCross BlueShield of South Carolina18$408$462$250–$4,150
Molina Healthcare7$397$408$1,640–$2,250
UnitedHealthcare5$498$510$1,200–$2,000
First Choice Next2$498$505$850–$2,000
Ambetter from Absolute Total Care1$373$373$2,000
InStil Health1$452$452$2,000
Other tiers in South Carolina

How Gold compares to the rest

Bronze
Avg $312 · from $263
38 plans
Silver
Avg $431 · from $357
53 plans
Gold
Avg $457 · from $373
34 plans · you are here

All South CarolinaMarketplace plans →

Nearby on price

States with similar Gold premiums

New Hampshire
Avg $430
13 Gold plans
Hawaii
Avg $468
5 Gold plans
Iowa
Avg $468
36 Gold plans
Common questions

South Carolina Gold plans, answered

What are the copays on South Carolina Gold plans?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. What the tier does bound is the rest of the cost-sharing: across the 34 Gold plans in South Carolina, out-of-pocket maximums run $3,400 to $10,150, and deductibles on the 31 plans with one combined deductible run $250 to $4,150. The other 3 set a separate deductible for prescription drugs and are not included in the deductible figures. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in South Carolina?
Any South Carolina Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — a median of $2,000 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on South Carolina Gold plans?
Gold deductibles in South Carolina run from $250 to $4,150 across the 31 plans with one combined deductible, with a median of $2,000 — that median is the figure closest to a typical plan. The other 3 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $3,400 to $10,150. The spread inside a single tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Gold plans available in my South Carolina county?
Gold plans are sold in 46 South Carolina counties, from 6 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Marketplace plan in South Carolina?
South Carolina uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Gold premiums in South Carolina start at $373 a month before any subsidy.

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