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

If you buy your own health insurance in Florence County, you have five Marketplace insurance companies to choose from for 2027: Ambetter from Absolute Total Care, BlueCross BlueShield of SC, First Choice Next, InStil Health and Oscar. Together they offer 66 plans. The silver plan your tax credit is based on costs $692 a month for a 40-year-old at full price, before any tax credit. That is up from $544 in 2026 (+27.2%). Molina is leaving the county, and First Choice Next and Oscar are new.

The county's two hospitals split the networks. McLeod Regional Medical Center is in the BCBS EPO, Ambetter and InStil. MUSC Health Florence is in the BCBS EPO, the BCBS Blue Pee Dee HMO, Ambetter and First Choice Next. Ambetter and the BCBS EPO are the only networks with both.

One silver plan sets the size of your tax credit. Its price rose 27.2% at every age.

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

Ambetter has the lowest silver price, $678 at age 40. That is $14 below the plan your tax credit is based on. It is also one of the two networks that include both Florence hospitals.

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.

First Choice Next is new. First Choice Next (Select Health of South Carolina) enters with 8 plans. It has the plan your tax credit is based on, the cheapest bronze and the cheapest gold. Its network includes MUSC Florence but not McLeod Regional in our 2027 data. See our First Choice Next 2027 review.

Oscar is new. Oscar enters with 14 plans. Its lowest silver is $1,193 at age 40, and neither Florence hospital is in its network in our data. Our Oscar 2027 article covers where it is a closer fit.

InStil stays with fewer plans. InStil went from 5 plans to 4, all silver and gold, and its network includes McLeod Regional.

The plan your tax credit is based on changed. In 2026 it was InStil InHealth Basic 1 + Adult Vision. In 2027 it is First Choice Next Silver Essential, from a different company with a different network. When that plan changes, your tax credit changes with it, which is why we tell clients not to auto-renew without checking.

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

• McLeod Regional is in the BCBS EPO, Ambetter and InStil. It is not in the Blue Pee Dee HMO or First Choice Next in our data, so the plan your tax credit is based on, the county's cheapest bronze and its cheapest gold all leave it out.
• MUSC Health Florence is in every network except InStil and Oscar. See which plans cover MUSC Health.

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 use McLeod and MUSC, or aren't sure yet. Ambetter Streamlined Silver is $678 at age 40, with a $4,700 deductible, an $11,300 yearly limit on what you pay, $20 primary care visits and $3 generics. Ambetter's lowest gold, Signature Gold, is $725 with a $2,500 deductible and an $8,600 yearly limit.

You use MUSC Florence and want a low deductible. First Choice Next Gold Enhanced is $699 at age 40, $7 more than the plan your tax credit is based on, with a $1,000 deductible and a $10,000 yearly limit on what you pay.

You use McLeod and want a silver plan with a copay for primary care. InStil InHealth Basic 1 is $696 at age 40, with a $6,000 deductible, a $12,000 yearly limit on what you pay and $35 primary care visits.

You rarely see a doctor and want the lowest premium. First Choice Next Bronze Essential is $529 at age 40, but its $12,000 deductible equals its yearly limit on what you pay, so beyond preventive care and $25 generics it pays little until you spend $12,000. BCBS Blue Pee Dee Bronze 2 is $534 with a $10,600 deductible equal to its yearly limit. Both include MUSC Florence; neither includes McLeod.

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 tax credit guide covers who qualifies.

With five companies and two hospital systems, Florence is a county where comparing plans can save money. Call us and we will run the comparison against your doctors and prescriptions.

With Molina leaving, two new companies and a different company's plan setting your tax credit, check your plan 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 Darlington County, Marion County and Sumter County.