Blue Congaree Standard Gold — full price in Richland County, South Carolina (2026)
Blue Congaree Standard Gold (26065SC0720005), a gold plan from BlueCross BlueShield of South Carolina in Richland County, South Carolina, costs $620.80/month full price for a 40-year-old in 2026 — $1318.34 at 60, with a $2,000 deductible and $8,200 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 26065SC0720005 · Issuer: BlueCross BlueShield of South Carolina · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $485.76 |
| 27 | $509.07 |
| 30 | $551.33 |
| 40 | $620.80 |
| 50 | $867.56 |
| 60 | $1318.34 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $2,000
- Family deductible: $4,000
- Individual out-of-pocket max: $8,200
- Family out-of-pocket max: $16,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $571.13/mo. This plan is $620.80/mo at 40 — a difference of $49.67/mo.
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 — 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.
Other gold plans in Richland County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Blue Congaree Gold 1 | BlueCross BlueShield of South Carolina | $597.67 |
| Molina Gold Core 1640 | Molina Healthcare | $612.22 |
| Molina Gold Core 1640 Plus with Adult Vision | Molina Healthcare | $616.25 |
| Molina Gold Value | Molina Healthcare | $617.59 |
| Molina Gold Value Plus with Adult Vision | Molina Healthcare | $621.62 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 26065SC0720005 in FIPS 45079.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Richland County
Reviewed by Jason Burns, Editorial Steward.