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

If you buy your own health insurance in Laurens County, you have three Marketplace insurance companies to choose from for 2027: Ambetter from Absolute Total Care, BlueCross BlueShield of SC and First Choice Next. Together they offer 48 plans. The plan your tax credit is based on costs $760 a month for a 40-year-old at full price before tax credits, up from $588 in 2026 (+29.3%). UnitedHealthcare is leaving the county.

Prisma Health Laurens County is in the BCBS EPO, the Blue Reedy HMO and Ambetter but not First Choice Next.

One silver plan sets the size of your tax credit. Its price rose 29.3% at every age.

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

First Choice Next has the lowest silver price, $728 at age 40. That is $32 below the plan your tax credit is based on. Your tax credit is tied to that $760 plan, so if you get a tax credit and pick the lower-priced silver plan, you pay a little less than you would for that plan after your tax credit. The cheapest gold plan, First Choice Next Gold Enhanced at $736, costs $24 less than the plan your tax credit is based on. Ambetter is the highest-priced insurance company here at every metal level it sells.

UnitedHealthcare is leaving. UnitedHealthcare sold 17 plans here in 2026 and has none for 2027. Our UnitedHealthcare exit guide covers what happens to UnitedHealthcare members.

Plan counts changed. Ambetter went from 9 plans to 17; BCBS went from 31 plans to 23; First Choice Next stays at 8 plans. BCBS kept its Blue Reedy HMO and statewide EPO plans.

The plan your tax credit is based on now comes from a different company. In 2026 it was Ambetter Focused Silver. In 2027 it is First Choice Next Silver Signature. When that plan changes, your tax credit changes with it. That is why we tell clients not to auto-renew without checking.

The table also lists hospitals in neighboring counties from our 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.
• The Blue Reedy HMO includes Prisma Health Laurens County and Prisma Health Greenville Memorial but not Spartanburg Medical Center or Self Regional Healthcare.
• Ambetter includes all four hospitals on this list.
• First Choice Next includes Spartanburg Medical Center and Self Regional Healthcare but not Prisma Health Laurens County or Prisma Health Greenville Memorial.

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. Our guide to BCBS networks covers the Blue Reedy HMO and the EPO.

You rarely see a doctor and want the lowest premium. BCBS Blue Reedy Bronze 2 is the cheapest plan at $541 for a 40-year-old, but its $10,600 deductible equals its yearly limit on what you pay, so beyond preventive care it pays little until you spend $10,600. Of the hospitals above, it includes Prisma Health Laurens County and Prisma Health Greenville Memorial.

You want the lowest silver price. First Choice Next Silver Essential is $728 at age 40, with a $5,000 deductible, a $12,000 yearly limit on what you pay, $30 primary care visits and $5 generics. Of the hospitals above, it includes Spartanburg Medical Center and Self Regional Healthcare.

You expect regular care and want a low deductible. First Choice Next Gold Enhanced is $736 at age 40, $24 less than the plan your tax credit is based on, with a $1,000 deductible, a $10,000 yearly limit on what you pay, $35 primary care visits and $5 generics. Of the hospitals above, it includes Spartanburg Medical Center and Self Regional Healthcare. If you need a hospital it leaves out, BCBS's lowest gold is $837 and Ambetter's lowest gold is $894.

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. BCBS also sells the Blue Reedy HMO here, which uses a smaller regional network.

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 three insurance companies against your doctors and prescriptions.

With UnitedHealthcare 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 Anderson County, Greenville County and Spartanburg County.