South Carolina · 2026 plan year
Gold health insurance plans in South Carolina
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
$1,667
Average 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 1st cheapest of 30.
Averaged across all 34 plans, Gold coverage in South Carolina costs $457 a month before subsidies — 1st lowest of the 30 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.
Lowest premiums
The cheapest Gold plans in South Carolina
| Plan | Premium / mo (age 21, pre-subsidy) | Deductible | Out-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
| Insurer | Gold plans | Cheapest | Tier average |
|---|---|---|---|
| BlueCross BlueShield of South Carolina | 18 | $408 | $462 |
| Molina Healthcare | 7 | $397 | $408 |
| UnitedHealthcare | 5 | $498 | $510 |
| First Choice Next | 2 | $498 | $505 |
| Ambetter from Absolute Total Care | 1 | $373 | $373 |
| InStil Health | 1 | $452 | $452 |
Other tiers in South Carolina
How Gold compares to the rest
Nearby on price
States with similar Gold premiums
Common questions
South Carolina Gold plans, answered
What are the copays on a South Carolina Gold plan?
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. Across the 34 Gold plans in South Carolina, deductibles average $1,667 and the out-of-pocket maximum averages $8,091. 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 — averaging $1,667 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 a South Carolina Gold plan?
The average across all 34 Gold plans in South Carolina is $1,667, with an average out-of-pocket maximum of $8,091. The range within the 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 South Carolina Marketplace plan?
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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