Which Insurance Companies Sell ACA Plans in My SC County? (2027 Map)
Every ACA Marketplace insurance company in each South Carolina county for 2027, including who is new and who is leaving.
Reviewed by Lara Heath, ACA Sales Manager, Agent & Broker
Published · Updated
In this guide
Every South Carolina county has between two and five ACA Marketplace insurance companies for 2027. Ambetter and BlueCross BlueShield of South Carolina sell in all 46 counties. First Choice Next sells in 27, UnitedHealthcare in 9, Oscar in 6 and InStil Health in 4. Molina, which sold in 37 counties in 2026, is not offering Marketplace plans in South Carolina for 2027.
Eleven counties are down to just two carriers, Ambetter and BCBS. Florence and York have the most choice, with five each.
2027 South Carolina carriers at a glance
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| Carrier | Counties in 2026 | Counties in 2027 | New counties for 2027 | Leaving for 2027 |
|---|---|---|---|---|
| Ambetter from Absolute Total Care | 46 | 46 | ||
| BlueCross BlueShield of South Carolina | 46 | 46 | ||
| First Choice Next (Select Health of South Carolina) | 20 | 27 | Aiken, Beaufort, Darlington, Florence, Lexington, Orangeburg, York | |
| UnitedHealthcare | 17 | 9 | Cherokee, Chester, Colleton, Lancaster, Laurens, Lee, Marlboro, Union | |
| Oscar | 0 | 6 | Charleston, Colleton, Florence, Horry, Marion, York | |
| InStil Health | 5 | 4 | Spartanburg | |
| Molina | 37 | 0 | All 37 |
Source: Murdock Insurance Group analysis of PY2027 SC Marketplace plan data.
26 counties have three carriers and 7 have four. Compared with 2026, 31 counties have fewer carriers, 11 have the same number and 4 have more.
Who is leaving
- Molina exits all 37 South Carolina counties where it sold in 2026. Molina members need to choose a new plan; our Molina guide explains the options.
- UnitedHealthcare exits Cherokee, Chester, Colleton, Lancaster, Laurens, Lee, Marlboro and Union. It stays in Allendale, Calhoun, Clarendon, Fairfield, Hampton, Kershaw, Newberry, Saluda and Williamsburg. See UnitedHealthcare's 2027 changes.
- InStil Health exits Spartanburg and stays in Chesterfield, Darlington, Florence and York. Read our Spartanburg guide.
Who is new
- Oscar enters Charleston, Colleton, Florence, Horry, Marion and York. More in our Oscar Health guide.
- First Choice Next (Select Health of South Carolina) enters Aiken, Beaufort, Darlington, Florence, Lexington, Orangeburg and York, bringing it to 27 counties. See our First Choice Next review.
The 11 two-carrier counties
Abbeville, Bamberg, Barnwell, Edgefield, Greenwood, Jasper, Lee, Marlboro, McCormick, Oconee and Sumter each have only Ambetter and BCBS for 2027. Each still has at least 31 plans across metal levels, but with only two carriers' networks to choose from, check your doctors carefully.
Every carrier in every South Carolina county for 2027
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| Abbeville | 2 | Ambetter, BCBS | 31 | None | Molina |
|---|---|---|---|---|---|
| Aiken | 3 | Ambetter, BCBS, First Choice Next | 39 | First Choice Next | Molina |
| Allendale | 3 | Ambetter, BCBS, UnitedHealthcare | 48 | None | Molina |
| Anderson | 3 | Ambetter, BCBS, First Choice Next | 39 | None | None |
| Bamberg | 2 | Ambetter, BCBS | 31 | None | Molina |
| Barnwell | 2 | Ambetter, BCBS | 31 | None | Molina |
| Beaufort | 3 | Ambetter, BCBS, First Choice Next | 48 | First Choice Next | Molina |
| Berkeley | 3 | Ambetter, BCBS, First Choice Next | 48 | None | Molina |
| Calhoun | 4 | Ambetter, BCBS, First Choice Next, UnitedHealthcare | 56 | None | Molina |
| Charleston | 4 | Ambetter, BCBS, First Choice Next, Oscar | 62 | Oscar | Molina |
| Cherokee | 3 | Ambetter, BCBS, First Choice Next | 39 | None | Molina, UnitedHealthcare |
| Chester | 3 | Ambetter, BCBS, First Choice Next | 39 | None | Molina, UnitedHealthcare |
| Chesterfield | 3 | Ambetter, BCBS, InStil | 35 | None | Molina |
| Clarendon | 3 | Ambetter, BCBS, UnitedHealthcare | 48 | None | Molina |
| Colleton | 3 | Ambetter, BCBS, Oscar | 45 | Oscar | Molina, UnitedHealthcare |
| Darlington | 4 | Ambetter, BCBS, First Choice Next, InStil | 43 | First Choice Next | Molina |
| Dillon | 3 | Ambetter, BCBS, First Choice Next | 39 | None | Molina |
| Dorchester | 3 | Ambetter, BCBS, First Choice Next | 48 | None | Molina |
| Edgefield | 2 | Ambetter, BCBS | 31 | None | Molina |
| Fairfield | 4 | Ambetter, BCBS, First Choice Next, UnitedHealthcare | 56 | None | Molina |
| Florence | 5 | Ambetter, BCBS, First Choice Next, Oscar, InStil | 66 | Oscar, First Choice Next | Molina |
| Georgetown | 3 | Ambetter, BCBS, First Choice Next | 48 | None | None |
| Greenville | 3 | Ambetter, BCBS, First Choice Next | 48 | None | None |
| Greenwood | 2 | Ambetter, BCBS | 31 | None | Molina |
| Hampton | 3 | Ambetter, BCBS, UnitedHealthcare | 48 | None | Molina |
| Horry | 4 | Ambetter, BCBS, First Choice Next, Oscar | 62 | Oscar | None |
| Jasper | 2 | Ambetter, BCBS | 31 | None | Molina |
| Kershaw | 4 | Ambetter, BCBS, First Choice Next, UnitedHealthcare | 65 | None | Molina |
| Lancaster | 3 | Ambetter, BCBS, First Choice Next | 39 | None | Molina, UnitedHealthcare |
| Laurens | 3 | Ambetter, BCBS, First Choice Next | 48 | None | UnitedHealthcare |
| Lee | 2 | Ambetter, BCBS | 31 | None | Molina, UnitedHealthcare |
| Lexington | 3 | Ambetter, BCBS, First Choice Next | 48 | First Choice Next | Molina |
| Marion | 4 | Ambetter, BCBS, First Choice Next, Oscar | 62 | Oscar | Molina |
| Marlboro | 2 | Ambetter, BCBS | 31 | None | Molina, UnitedHealthcare |
| McCormick | 2 | Ambetter, BCBS | 31 | None | Molina |
| Newberry | 3 | Ambetter, BCBS, UnitedHealthcare | 48 | None | Molina |
| Oconee | 2 | Ambetter, BCBS | 40 | None | None |
| Orangeburg | 3 | Ambetter, BCBS, First Choice Next | 48 | First Choice Next | None |
| Pickens | 3 | Ambetter, BCBS, First Choice Next | 48 | None | None |
| Richland | 3 | Ambetter, BCBS, First Choice Next | 48 | None | Molina |
| Saluda | 3 | Ambetter, BCBS, UnitedHealthcare | 48 | None | Molina |
| Spartanburg | 3 | Ambetter, BCBS, First Choice Next | 39 | None | InStil |
| Sumter | 2 | Ambetter, BCBS | 31 | None | Molina |
| Union | 3 | Ambetter, BCBS, First Choice Next | 39 | None | Molina, UnitedHealthcare |
| Williamsburg | 3 | Ambetter, BCBS, UnitedHealthcare | 57 | None | Molina |
| York | 5 | Ambetter, BCBS, First Choice Next, Oscar, InStil | 57 | Oscar, First Choice Next | Molina |
"2027 plans" is the total number of Marketplace plans offered in the county. BCBS = BlueCross BlueShield of South Carolina. Source: Murdock Insurance Group analysis of PY2027 SC Marketplace plan data.
HMO or EPO: what kind of plans are these?
Almost every 2027 Marketplace plan in South Carolina is an HMO. The only EPOs are BCBS's BlueEssentials and BlueConnect plans, and there are no PPOs on the South Carolina Marketplace. Our HMO vs. EPO guide explains the difference.
Networks vary by carrier and even by plan within a carrier, so check that your hospital is in the specific plan before you pick. Our guide to checking your doctors and prescriptions walks through it, and our agents can do it for you at no cost.
Frequently asked questions
Six: Ambetter, BlueCross BlueShield of South Carolina, First Choice Next, UnitedHealthcare, Oscar and InStil Health. Ambetter and BCBS sell statewide; the others sell in some counties.
No. Molina sold Marketplace plans in 37 South Carolina counties in 2026 and is not offering them anywhere in the state for 2027.
The 11 listed above, from Abbeville to Sumter. Each has only Ambetter and BCBS.
Yes. Carriers use different networks and drug lists, so similar premiums can hide big differences.
Sources
- Dates and deadlines for 2027 health insurance — HealthCare.gov
- Murdock Insurance Group analysis of PY2027 SC Marketplace rate filings / plan data
Networks and drug lists can change; we verify with the carrier before you enroll. Last verified: November 2026. Carrier and plan availability is from Murdock Insurance Group's analysis of PY2027 South Carolina Marketplace plan data. Your actual cost depends on your age, income, household size, tobacco use and the plan you choose. Murdock Insurance Group is a licensed, independent insurance agency. We are not affiliated with HealthCare.gov, CMS or any government agency.
Reviewed by
Lara Heath
ACA Sales Manager, Agent & Broker
I'm a field agent who helps individuals and groups with health and life insurance.
View Lara Heath's profile