Health insurance plans in Richland County, SC (2026)
65 marketplace plans from 5 insurers are offered in Richland County. The cheapest silver plan is $456 a month for a 40-year-old non-smoker before tax credits.
Cheapest monthly premium by metal level (age 40)
| Metal level | Cheapest premium | Plans |
|---|---|---|
| Bronze | $351 | 18 |
| Silver | $456 | 27 |
| Gold | $476 | 20 |
All plans in Richland County
| Insurer | Plan | Metal | Type | Deductible | Out-of-pocket max | Premium (age 40) |
|---|---|---|---|---|---|---|
| BlueCross BlueShield of South Carolina | Blue Congaree Bronze 2 | Bronze | HMO | — | — | $351 |
| Ambetter from Absolute Total Care | Everyday Bronze | Bronze | HMO | — | — | $357 |
| Ambetter from Absolute Total Care | Standard Expanded Bronze | Bronze | HMO | — | — | $358 |
| BlueCross BlueShield of South Carolina | Blue Congaree Standard Expanded Bronze | Bronze | HMO | — | — | $365 |
| BlueCross BlueShield of South Carolina | Blue Congaree Bronze 1 | Bronze | HMO | — | — | $367 |
| Ambetter from Absolute Total Care | Everyday Bronze + Vision + Adult Dental | Bronze | HMO | — | — | $369 |
| BlueCross BlueShield of South Carolina | Blue VirtuConnect Bronze 1 | Bronze | EPO | — | — | $404 |
| Ambetter from Absolute Total Care | Elite Bronze | Bronze | HMO | $0 | — | $408 |
| BlueCross BlueShield of South Carolina | BlueEssentials Standard Expanded Bronze | Bronze | EPO | — | — | $411 |
| BlueCross BlueShield of South Carolina | BlueEssentials Bronze 4 | Bronze | EPO | — | — | $412 |
| Ambetter from Absolute Total Care | Elite Bronze + Vision + Adult Dental | Bronze | HMO | $0 | — | $421 |
| BlueCross BlueShield of South Carolina | BlueExtend PPO Standard Expanded Bronze | Bronze | PPO | — | — | $442 |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Bronze 2 | Bronze | PPO | — | — | $451 |
| Ambetter from Absolute Total Care | Standard Silver | Silver | HMO | — | — | $456 |
| Ambetter from Absolute Total Care | Focused Silver | Silver | HMO | — | — | $461 |
| BlueCross BlueShield of South Carolina | BlueExtend PPO HD Bronze 1 | Bronze | PPO | — | — | $463 |
| Ambetter from Absolute Total Care | Standard Silver + Vision + Adult Dental | Silver | HMO | — | — | $471 |
| Ambetter from Absolute Total Care | Standard Gold | Gold | HMO | — | — | $476 |
| First Choice Next | First Choice Next Bronze Essential | Bronze | HMO | — | — | $477 |
| BlueCross BlueShield of South Carolina | BlueEssentials Bronze 6 | Bronze | EPO | $0 | — | $484 |
| Molina Healthcare | Molina Silver Saver · Molina Silver Saver Off Exchange | Silver | HMO | — | — | $494 |
| Molina Healthcare | Molina Silver Standard · Molina Silver Standard Off Exchange | Silver | HMO | — | — | $497 |
| Molina Healthcare | Molina Silver Core · Molina Silver Core Off Exchange | Silver | HMO | — | — | $498 |
| Molina Healthcare | Molina Silver Core Plus with Adult Vision · Molina Silver Core Off Exchange Plus with Adult Vision | Silver | HMO | — | — | $501 |
| Molina Healthcare | Molina Gold Core 1640 · Molina Gold Core 1640 Off Exchange | Gold | HMO | — | — | $507 |
| Molina Healthcare | Molina Gold Core 1640 Plus with Adult Vision · Molina Gold Core 1640 Off Exchange Plus with Adult Vision | Gold | HMO | — | — | $510 |
| Molina Healthcare | Molina Gold Value · Molina Gold Value Off Exchange | Gold | HMO | — | — | $511 |
| First Choice Next | First Choice Next Bronze Signature | Bronze | HMO | — | — | $514 |
| Molina Healthcare | Molina Gold Value Plus with Adult Vision · Molina Gold Value Off Exchange Plus with Adult Vision | Gold | HMO | — | — | $515 |
| Molina Healthcare | Molina Silver Core Plus with Adult Dental and Vision · Molina Silver Core Off Exchange Plus with Adult Dental and Vision | Silver | HMO | — | — | $516 |
| BlueCross BlueShield of South Carolina | Blue Congaree Silver 2 | Silver | HMO | — | — | $518 |
| First Choice Next | First Choice Next Bronze Premier | Bronze | HMO | — | — | $519 |
| BlueCross BlueShield of South Carolina | Blue Congaree Silver 2 + Adult Vision | Silver | HMO | — | — | $520 |
| BlueCross BlueShield of South Carolina | Blue Congaree Silver 1 | Silver | HMO | — | — | $521 |
| BlueCross BlueShield of South Carolina | Blue Congaree Standard Silver | Silver | HMO | — | — | $530 |
| Molina Healthcare | Molina Gold Standard · Molina Gold Standard Off Exchange | Gold | HMO | — | — | $530 |
| Molina Healthcare | Molina Gold Value Plus with Adult Dental and Vision · Molina Gold Value Off Exchange Plus with Adult Dental and Vision | Gold | HMO | — | — | $530 |
| Molina Healthcare | Molina Gold Core 1640 Plus with Adult Dental and Vision · Molina Gold Core 1640 Off Exchange Plus with Adult Dental and Vision | Gold | HMO | — | — | $543 |
| BlueCross BlueShield of South Carolina | Blue Congaree Gold 1 | Gold | HMO | — | — | $544 |
| InStil Health | InHealth Basic 1 | Silver | HMO | $6,500 | — | $558 |
Showing 40 of 65 plans, cheapest first.
How the premium changes with age
Cheapest silver plan by age (the same plan):
| Age | Monthly premium |
|---|---|
| 21 | $357 |
| 40 | $456 |
| 60 | $968 |
About these numbers
Premiums are the CMS-listed rate for a single non-smoking adult, before any premium tax credit. Most marketplace buyers qualify for a credit based on household income — the actual price can be far lower than the list rate, especially for silver plans. Deductibles and out-of-pocket maximums are for in-network care and vary by plan design. Check doctor and hospital networks before enrolling: a cheaper plan that excludes your doctors is not cheaper.
Related
All counties in South Carolina · How to choose a plan · Premium tax credits explained · Metal tiers explained
Frequently asked questions
What is the cheapest health insurance plan in Richland County County?
The cheapest plan for a 40-year-old non-smoker is $351 a month (Bronze metal level) before tax credits, based on 2026 CMS rate filings. The cheapest silver plan, the benchmark for subsidies, is $456.
How much does health insurance cost in Richland County County?
For a 40-year-old non-smoker the cheapest plans in Richland County start around $351 a month before subsidies. Silver plans cost from $456; premiums rise with age and tobacco use.
How many insurers offer marketplace plans in Richland County County?
5 insurers filed 65 plan options for this county in the 2026 CMS file.