Your best plan in South Carolina depends on how often you use health care. If you use care regularly, First Choice Next's $2,190 deductible makes it the better fit even at $628 per month. If you want the lowest monthly bill, Blue Cross Blue Shield at $576 is the cheapest Silver option. For the best balance of premium and out-of-pocket costs, Ambetter leads at $590 per month.
South Carolina's ACA marketplace has six carriers writing Silver HMO plans for 2026. Monthly premiums for 40-year-olds range from $576 to $766. The deductible range tells a more useful story: $1,874 separates the lowest ($2,190 at First Choice Next) from the highest ($4,064 at Blue Cross Blue Shield).
Blue Cross Blue Shield's $4,064 deductible is nearly twice First Choice Next's $2,190. It is the only carrier with all four plan types: HMO, PPO, EPO and POS. Offering those networks pushes its Silver HMO deductible above every competitor in the state. Monthly premium is rarely the deciding number in this market.











