First Choice Next Gold Premier — full price in Richland County, South Carolina (2026)
First Choice Next Gold Premier (73107SC0010009), a gold plan from First Choice Next in Richland County, South Carolina, costs $742.77/month full price for a 40-year-old in 2026 — $1577.37 at 60, with a $850 deductible and $8,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 73107SC0010009 · Issuer: First Choice Next · 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 | $581.20 |
| 27 | $609.10 |
| 30 | $659.66 |
| 40 | $742.77 |
| 50 | $1038.02 |
| 60 | $1577.37 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $850
- Family deductible: $1,700
- Individual out-of-pocket max: $8,500
- Family out-of-pocket max: $17,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $571.13/mo. This plan is $742.77/mo at 40 — a difference of $171.64/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 |
| Blue Congaree Standard Gold | BlueCross BlueShield of South Carolina | $620.80 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 73107SC0010009 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.