What health insurance costs without a subsidy in Union County, South Carolina (2026)
In Union County, South Carolina, the benchmark silver plan costs $643.63/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $461.98 to $968.48. A 60-year-old pays at least $981.08/month, a 21-year-old at least $361.49. 5 insurers offer 68 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 $361.49/mo
- Age 40 — starting at $461.98/mo
- Age 60 — starting at $981.08/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $494.14/mo
- Silver — starting at $640.74/mo
- Gold — starting at $695.91/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, Molina Healthcare, UnitedHealthcare
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 Union County (FIPS 45087).
- 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
- Spartanburg County — $641.58/mo benchmark
- York County — $614.44/mo benchmark
- Lancaster County — $604.62/mo benchmark
Plans available in this county (68)
- First Choice Next Bronze Essential — Bronze · $494.14/mo @ 40
- UHC Bronze Essential- — Bronze · $596.08/mo @ 40
- UHC Bronze Essential — Bronze · $596.12/mo @ 40
- Blue VirtuConnect Bronze 1 — Expanded Bronze · $461.98/mo @ 40
- BlueEssentials Standard Expanded Bronze — Expanded Bronze · $470.59/mo @ 40
- BlueEssentials Bronze 4 — Expanded Bronze · $470.74/mo @ 40
- BlueExtend PPO Standard Expanded Bronze — Expanded Bronze · $505.83/mo @ 40
- BlueExtend PPO HD Bronze 2 — Expanded Bronze · $515.57/mo @ 40
- BlueExtend PPO HD Bronze 1 — Expanded Bronze · $529.92/mo @ 40
- First Choice Next Bronze Signature — Expanded Bronze · $532.31/mo @ 40
- First Choice Next Bronze Premier — Expanded Bronze · $536.69/mo @ 40
- Everyday Bronze — Expanded Bronze · $553.94/mo @ 40
- BlueEssentials Bronze 6 — Expanded Bronze · $554.12/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $555.56/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $572.23/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $629.72/mo @ 40
- Elite Bronze — Expanded Bronze · $631.96/mo @ 40
- UHC Bronze Standard Plus Chiro — Expanded Bronze · $634.43/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded — Expanded Bronze · $651.18/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $652.82/mo @ 40
- UHC Bronze Copay Focus+ $0 Indiv Med Ded (Dental + Vision) — Expanded Bronze · $669.05/mo @ 40
- BlueEssentials Gold 5 — Gold · $695.91/mo @ 40
- Blue VirtuConnect Gold 1 — Gold · $719.72/mo @ 40
- First Choice Next Gold Signature — Gold · $723.35/mo @ 40
- BlueEssentials Gold 1 — Gold · $730.71/mo @ 40
- BlueEssentials Standard Gold — Gold · $733.59/mo @ 40
- Standard Gold — Gold · $738.47/mo @ 40
- First Choice Next Gold Premier — Gold · $742.77/mo @ 40
- Molina Gold Core 1640 — Gold · $754.26/mo @ 40
- Molina Gold Core 1640 Plus with Adult Vision — Gold · $759.23/mo @ 40
- Molina Gold Value — Gold · $760.88/mo @ 40
- Molina Gold Value Plus with Adult Vision — Gold · $765.85/mo @ 40
- BlueExtend PPO HD Gold 2 — Gold · $768.09/mo @ 40
- Molina Gold Standard — Gold · $787.91/mo @ 40
- Molina Gold Value Plus with Adult Dental and Vision — Gold · $788.68/mo @ 40
- BlueExtend PPO Standard Gold — Gold · $789.87/mo @ 40
- BlueExtend PPO HD Gold 1 — Gold · $790.41/mo @ 40
- Molina Gold Core 1640 Plus with Adult Dental and Vision — Gold · $808.23/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded — Gold · $923.42/mo @ 40
- UHC Gold Standard — Gold · $941.16/mo @ 40
Showing first 40 of 68 plans on file.
Reviewed by Jason Burns, Editorial Steward.