Health Insurance in Fairfield County, SC: 2027 Plans, Prices & Hospitals (Winnsboro)

If you buy your own health insurance in Fairfield County, you have four Marketplace insurance companies to choose from for 2027: Ambetter from Absolute Total Care, BlueCross BlueShield of SC, First Choice Next and UnitedHealthcare, offering 56 plans in all. The silver plan your tax credit is based on costs $658 a month for a 40-year-old at full price before tax credits, up from $536 in 2026 (+22.8%). Molina is leaving the county.

Our 2027 network data lists no hospital in Fairfield County, so the network question is about the hospitals you use in neighboring counties. The hospital table below lists several of them. UnitedHealthcare's hospital network isn't in our data, so we check it in UnitedHealthcare's directory.

Your tax credit is sized from one silver plan, the second-lowest-cost silver plan in the county. Its price rose 22.8% at every age.

Each insurance company's lowest-priced plan at each metal level:

Ambetter has the lowest silver price, $643 at age 40, which is $15 below the silver plan your tax credit is based on. Because your tax credit is tied to that $658 plan, a buyer with a tax credit who picks the lowest-priced silver pays a little less than they would for the $658 plan after the tax credit. UnitedHealthcare is the highest-priced insurance company here at every metal level it sells.

Molina is leaving. Molina sold 12 plans here in 2026 and has none for 2027, so Molina members need a new plan. Our article on Molina's exit walks through the options.

Plan counts changed. Ambetter went from 9 plans to 17; BCBS went from 22 plans to 14; First Choice Next stays at 8 plans; UnitedHealthcare stays at 17 plans. Every BCBS plan here uses its statewide BlueEssentials or BlueConnect EPO network.

The silver plan your tax credit is based on changed. In 2026 it was Ambetter Focused Silver. In 2027 it is Ambetter Signature Silver. The insurance company is the same, but the plan and its price are different, and your tax credit moves with that plan. That is why we tell clients not to auto-renew without checking.

These are hospitals in neighboring counties from our 2027 network data.

Networks and covered drug lists can change; we verify with the insurance company before you enroll. Last verified: November 2026.

• The BCBS EPO includes all four hospitals on this list.
• Ambetter includes Prisma Health Richland, MUSC Health Columbia Medical Center Northeast and Newberry County Memorial but not MUSC Health Chester Medical Center.
• First Choice Next includes MUSC Health Chester Medical Center and MUSC Health Columbia Medical Center Northeast but not Prisma Health Richland or Newberry County Memorial.
• UnitedHealthcare's network isn't in our hospital data. Check UnitedHealthcare's directory for each hospital and doctor before you enroll.

Every plan here is an HMO except the BCBS BlueEssentials and BlueConnect EPOs; the SC Marketplace has no PPOs. Neither type covers out-of-network care except emergencies.

You rarely see a doctor and want the lowest premium. First Choice Next Bronze Essential is the cheapest plan at $524 for a 40-year-old, but its $12,000 deductible equals its yearly limit on what you pay, so beyond preventive care it pays little until you spend $12,000. Of the hospitals above, it includes MUSC Health Chester Medical Center and MUSC Health Columbia Medical Center Northeast.

You want the lowest silver price. Ambetter Streamlined Silver is $643 at age 40, with a $4,700 deductible, an $11,300 yearly limit on what you pay, $20 primary care visits and $3 generics. Of the hospitals above, it includes Prisma Health Richland, MUSC Health Columbia Medical Center Northeast and Newberry County Memorial.

You expect regular care and want a low deductible. Ambetter Signature Gold is $688 at age 40, $30 more than the silver plan your tax credit is based on, with a $2,500 deductible, an $8,600 yearly limit on what you pay, $30 primary care visits and $15 generics. Of the hospitals above, it includes Prisma Health Richland, MUSC Health Columbia Medical Center Northeast and Newberry County Memorial. If you need a hospital it leaves out, First Choice Next's lowest gold is $692 and BCBS's lowest gold is $826.

You want the widest choice of SC hospitals. BCBS's BlueEssentials and BlueConnect plans use a statewide EPO network, which can matter if you get care outside the county. Every BCBS plan in Fairfield County uses it.

You're thinking about UnitedHealthcare. UnitedHealthcare's lowest silver here is $1,004 at age 40, compared with $643 for the county's lowest silver. Your tax credit is the same whichever insurance company you choose, because it's set by one silver plan, not by the plan you pick.

Your income is lower. Below 250% of the federal poverty level, silver plans come with cost-sharing reductions that lower the deductible and the yearly limit on what you pay. Our cost-sharing reductions guide explains how it works.

Call us and we will compare all four insurance companies against your doctors and prescriptions.

With Molina leaving and a new plan setting your tax credit, compare before you renew for 2027. Tell us your ZIP, ages, household and income, and a licensed agent will price every plan against your doctors and drugs. For the statewide picture, start with our 2027 South Carolina health insurance guide or the 2027 rate changes by county. Nearby, see Richland County, Chester County and Kershaw County.