What health insurance costs without a subsidy in Spartanburg County, South Carolina (2026)
In Spartanburg County, South Carolina, the benchmark silver plan costs $641.58/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $494.14 to $859.67. A 60-year-old pays at least $1049.37/month, a 21-year-old at least $386.66. 4 insurers offer 44 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $386.66/mo
- Age 40 — starting at $494.14/mo
- Age 60 — starting at $1049.37/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $494.14/mo
- Silver — starting at $640.74/mo
- Gold — starting at $700.67/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Ambetter from Absolute Total Care, BlueCross BlueShield of South Carolina, First Choice Next, InStil Health
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Spartanburg County (FIPS 45083).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in South Carolina
- Anderson County — $664.65/mo benchmark
- Cherokee County — $643.63/mo benchmark
- Union County — $643.63/mo benchmark
- York County — $614.44/mo benchmark
- Lancaster County — $604.62/mo benchmark
Plans available in this county (44)
- First Choice Next Bronze Essential — Bronze · $494.14/mo @ 40
- Blue VirtuConnect Bronze 1 — Expanded Bronze · $502.46/mo @ 40
- BlueEssentials Standard Expanded Bronze — Expanded Bronze · $511.82/mo @ 40
- BlueEssentials Bronze 4 — Expanded Bronze · $511.99/mo @ 40
- First Choice Next Bronze Signature — Expanded Bronze · $532.31/mo @ 40
- First Choice Next Bronze Premier — Expanded Bronze · $536.69/mo @ 40
- BlueExtend PPO Standard Expanded Bronze — Expanded Bronze · $550.15/mo @ 40
- BlueExtend PPO HD Bronze 2 — Expanded Bronze · $560.74/mo @ 40
- BlueExtend PPO HD Bronze 1 — Expanded Bronze · $576.35/mo @ 40
- Everyday Bronze — Expanded Bronze · $583.04/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $584.74/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $602.29/mo @ 40
- BlueEssentials Bronze 6 — Expanded Bronze · $602.67/mo @ 40
- Elite Bronze — Expanded Bronze · $665.16/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $687.11/mo @ 40
- InHealth Basic Plus Standard — Gold · $700.67/mo @ 40
- First Choice Next Gold Signature — Gold · $723.35/mo @ 40
- First Choice Next Gold Premier — Gold · $742.77/mo @ 40
- BlueEssentials Gold 5 — Gold · $756.88/mo @ 40
- Standard Gold — Gold · $777.26/mo @ 40
- Blue VirtuConnect Gold 1 — Gold · $782.78/mo @ 40
- BlueEssentials Gold 1 — Gold · $794.74/mo @ 40
- BlueEssentials Standard Gold — Gold · $797.86/mo @ 40
- BlueExtend PPO HD Gold 2 — Gold · $835.39/mo @ 40
- BlueExtend PPO Standard Gold — Gold · $859.07/mo @ 40
- BlueExtend PPO HD Gold 1 — Gold · $859.67/mo @ 40
- First Choice Next Silver Signature — Silver · $640.74/mo @ 40
- InHealth Basic 1 — Silver · $641.58/mo @ 40
- InHealth Basic 1 + Adult Vision — Silver · $643.39/mo @ 40
- First Choice Next Silver Essential — Silver · $643.63/mo @ 40
- First Choice Next Silver Premier — Silver · $645.65/mo @ 40
- InHealth Basic 2 — Silver · $662.55/mo @ 40
- InHealth Basic Standard — Silver · $666.37/mo @ 40
- BlueEssentials Silver 14 — Silver · $730.13/mo @ 40
- BlueEssentials Silver 14 + Adult Vision — Silver · $732.04/mo @ 40
- Blue VirtuConnect Silver 1 — Silver · $733.40/mo @ 40
- Standard Silver — Silver · $743.53/mo @ 40
- BlueEssentials Silver 40 — Silver · $746.82/mo @ 40
- BlueEssentials Standard Silver — Silver · $747.46/mo @ 40
- Focused Silver — Silver · $751.71/mo @ 40
Showing first 40 of 44 plans on file.
Reviewed by Jason Burns, Editorial Steward.