Health insurance cost in Berkeley County, SC (2026)

60 Marketplace plans from 4 insurance companies are sold in Berkeley County in 2026. Here is what they cost by tier and age, what a tax credit does to the price, the cheapest plans by name, and what private plans run for healthy households.

Cheapest Bronze, age 40

$427/mo

full price, before any credit

Silver benchmark, age 40

$556/mo

the plan tax credits are based on

Plans

38 HMO · 13 EPO · 9 PPO

Insurers

selling in this county

Deductibles

$0 to $10,600

individual, standard plans

Monthly premiums by tier and age

Tier	Age 21	Age 30	Age 40	Age 50	Age 60
Bronze (18 plans)	$334–$459	$379–$522	$427–$587	$596–$821	$906–$1,247
Silver (23 plans)	$433–$650	$491–$737	$553–$830	$773–$1,160	$1,174–$1,763
Gold (19 plans)	$444–$655	$504–$744	$568–$838	$793–$1,171	$1,205–$1,779

Lowest to highest monthly premium among the plans sold in Berkeley County, before any tax credit, from the CMS 2026 plan file (snapshot August 4, 2026).

Ranges at a glance (age 40)

Blue: Marketplace tiers, full price. Green: private plan range for a healthy 40-year-old man in South Carolina, after the advisors' usual adjustment.

What a tax credit does in Berkeley County

Household	% of poverty level	Estimated tax credit	Cheapest Bronze, full → after credit
A single 40-year-old earning $40,000	255%	$269/mo	$427 → $158
A family of four (parents 40 and 38, two kids) earning $85,000	264%	$1,135/mo	$1,354 → $219

2025 federal poverty guidelines apply to 2026 coverage; the enhanced credits of 2021–2025 expired, so the 400% cutoff is back (for one person that is $62,600 a year, for four $128,600). The Marketplace sets the final credit.

See your own numbers for Berkeley County

Enter your age, household and income and get every Marketplace plan priced for you, your estimated tax credit, and a private plan range, side by side, in about 30 seconds. No medical questions.

Show my price ranges

Cheapest Marketplace plans in Berkeley County

Priced for a 40-year-old, full price. Every plan, with deductibles and copays, is in the tool once you enter your household.

Cheapest Bronze plans

Blue Cooper Bronze 2BlueCross BlueShield of South Carolina · HMO$427/mo at 40 · deductible $10,600 · max out-of-pocket $10,600

Blue Cooper Standard Expanded BronzeBlueCross BlueShield of South Carolina · HMO$444/mo at 40 · deductible $7,500 · max out-of-pocket $10,000

Blue Cooper Bronze 1BlueCross BlueShield of South Carolina · HMO$447/mo at 40 · deductible $7,900 · max out-of-pocket $9,500

Cheapest Silver plans

Molina Silver SaverMolina Healthcare · HMO$553/mo at 40 · deductible $7,000 · max out-of-pocket $10,150

Molina Silver StandardMolina Healthcare · HMO$556/mo at 40 · deductible $6,000 · max out-of-pocket $8,900

Molina Silver CoreMolina Healthcare · HMO$557/mo at 40 · deductible $6,000 · max out-of-pocket $8,990

Cheapest Gold plans

Molina Gold Core 1640Molina Healthcare · HMO$568/mo at 40 · deductible $1,640 · max out-of-pocket $8,100

Molina Gold Core 1640 Plus with Adult VisionMolina Healthcare · HMO$571/mo at 40 · deductible $1,640 · max out-of-pocket $8,100

Molina Gold ValueMolina Healthcare · HMO$572/mo at 40 · deductible $2,250 · max out-of-pocket $8,000

Private plans in South Carolina

Age	Man, monthly range	Woman, monthly range
30	$60–$338	$141–$445
40	$131–$472	$169–$527
50	$262–$554	$248–$545
60	$425–$762	$360–$694

A family of four (parents 40 and 38 with two children) is typically quoted $507 to $991 a month in South Carolina. Private plans are not ACA plans: no tax credit, health questions on the application, and pre-existing conditions can raise the price or be excluded. Deductibles are usually lower than the cheapest Marketplace tiers and you can enroll any month of the year.

Questions people ask

What is the cheapest health insurance in Berkeley County?

For a 40-year-old paying full price, the cheapest Marketplace plan in Berkeley County is a Bronze plan at $427 a month (BlueCross BlueShield of South Carolina). With a tax credit it can be far less; see the examples above. Private plans for a healthy 40-year-old man start around $131 a month.

How many health insurance companies sell Marketplace plans in Berkeley County?

4 in 2026: Ambetter from Absolute Total Care, BlueCross BlueShield of South Carolina, First Choice Next, Molina Healthcare. Between them they offer 60 plans (38 HMO · 13 EPO · 9 PPO).

Do I qualify for a tax credit in Berkeley County?

Marketplace premium tax credits apply when household income is between 100% and 400% of the federal poverty level, which for 2026 means up to $62,600 for one person or $128,600 for a family of four. South Carolina did not expand Medicaid, so credits start at 100% of the poverty level. Enter your income in the tool to see your estimate.

When can I enroll?

Marketplace Open Enrollment runs from November 1 to mid-January in most states, or within 60 days of a qualifying life event such as losing other coverage, moving, marriage or a new baby. Private plans can be applied for any month of the year.

Nearby counties in South Carolina

All South Carolina counties →

Sources: CMS QHP Landscape PY2026 Individual Medical (data.healthcare.gov, snapshot August 4, 2026); HHS 2025 poverty guidelines; IRS Rev. Proc. 2025-25; private ranges from the carrier rate tables our advisors quote from. Page generated 2026-09-29.