South Carolina
Cheapest ACA plans in Kershaw County, South Carolina for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Kershaw County, South Carolina has 5 on-exchange carriers offering 77 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is BlueCross BlueShield of South Carolina Blue Congaree Bronze 2 at $351 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Kershaw County, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Kershaw County |
|---|---|---|
| Bronze | $351 | 4 |
| Expanded Bronze | $365 | 20 |
| Silver | $518 | 29 |
| Gold | $544 | 24 |
The actual cheapest Bronze plan in Kershaw County
BlueCross BlueShield of South Carolina Blue Congaree Bronze 2
$351/moFor a family of four (two 40-year-olds and two kids under 14): BlueCross BlueShield of South Carolina Blue Congaree Bronze 2 at $1,122/month before subsidies.
Carriers selling 2026 plans in Kershaw County
5 carriers sell 2026 plans on Healthcare.gov; 1 additional carrier offers off-exchange-only plans (not subsidy-eligible). 134 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| BlueCross BlueShield of South Carolina | 31 |
| UnitedHealthcare | 17 |
| Molina Healthcare of South Carolina, Inc. | 12 |
| Ambetter | 9 |
| First Choice Next | 8 |
Also selling off-exchange only
These carriers sell plans directly (not through Healthcare.gov). Off-exchange plans are not eligible for federal APTC or state subsidies.
| Carrier | Off-exchange plans |
|---|---|
| BlueChoice HealthPlan Inc. | 16 |
What you'll actually pay in Kershaw County
Estimated monthly net premium for the cheapest Bronze plan above ($351/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Kershaw Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $421/mo | $0/mo |
| $40,000 | 256% | $231/mo | $120/mo |
| $60,000 | 383% | $20/mo | $331/mo |
| $100,000 | 639% | — | $351/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | $1,587/mo | $0/mo |
| $80,000 | 249% | $1,097/mo | $25/mo |
| $130,000 | 404% | — | $1,122/mo |
| $200,000 | 622% | — | $1,122/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Kershaw County, South Carolina for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is BlueCross BlueShield of South Carolina Blue Congaree Bronze 2 at $351 per month before subsidies. Plans sell through Healthcare.gov. Data refreshed 2026-04-19T08:08:55.462Z.
Does South Carolina use Healthcare.gov?
Yes. South Carolina participates in the federally-facilitated Marketplace (FFM), so enrollment and subsidy applications run through healthcare.gov. South Carolina does not operate a state-based exchange.
Has South Carolina expanded Medicaid?
No. South Carolina has not adopted ACA Medicaid expansion. Medicaid (Healthy Connections) for non-disabled adults is narrow (parents roughly below 67% FPL, pregnant women, and categorically needy groups), which leaves a coverage gap for low-income working adults without children.
How big is the South Carolina coverage gap?
Estimates of the South Carolina coverage gap vary, but tens of thousands of adults earn below 100% FPL and are not eligible for Medicaid under state rules. They also cannot receive federal premium tax credits because APTC starts at 100% FPL. Options include federally qualified health centers (FQHCs), hospital charity care, and county indigent-care programs.
More South Carolina pricing
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- South Carolina Department of Insurance for state regulatory oversight of individual-market filings and rate review.
- South Carolina Healthy Connections (Medicaid) for state Medicaid eligibility categories under non-expansion rules.
- KFF: South Carolina State Health Facts for Medicaid expansion status, coverage gap estimates, and enrollment counts.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.