Health Insurance in Oconee County, SC: 2027 Plans, Prices & Hospitals (Seneca & Walhalla)

If you buy your own health insurance in Oconee County, you have two Marketplace insurance companies to choose from for 2027: Ambetter from Absolute Total Care and BlueCross BlueShield of SC. Together they offer 40 plans. The plan your tax credit is based on costs $703 a month for a 40-year-old at full price before tax credits, up from $551 in 2026 (+27.6%). The same two companies sold here in 2026, so nobody loses their insurance company this year. Oconee is one of 11 South Carolina counties with only two Marketplace insurance companies in 2027.

Prisma Health Oconee Memorial is in the BCBS EPO and the Blue Reedy HMO but not Ambetter.

One silver plan sets the size of your tax credit. Its price rose 27.6% at every age.

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

BCBS has the lowest silver price, $700 at age 40. That is $3 below the plan your tax credit is based on. Your tax credit is tied to that $703 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.

No insurance company is leaving. Molina did not sell here in 2026, so its exit does not affect members here.

Plan counts changed. Ambetter went from 9 plans to 17; BCBS went from 31 plans to 23. BCBS kept its Blue Reedy HMO and statewide EPO plans.

The plan your tax credit is based on changed. In 2026 it was BCBS Blue Reedy Silver 2 + Adult Vision. In 2027 it is BCBS Blue Reedy Silver 1. The company is the same, but the plan and its price are different, and your tax credit moves 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, with restrictions at Prisma Health Baptist Easley.
• The Blue Reedy HMO includes Prisma Health Oconee Memorial and Prisma Health Baptist Easley (with restrictions) but not AnMed Health Medical Center or AnMed Health Cannon.
• Ambetter includes Prisma Health Baptist Easley and AnMed Health Medical Center but not Prisma Health Oconee Memorial or AnMed Health Cannon.
• Where a hospital is in-network with restrictions, confirm your specific doctor or service with the insurance company 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. 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 $482 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 Oconee Memorial and Prisma Health Baptist Easley.

You want the lowest silver price. BCBS Blue Reedy Standard Silver is $700 at age 40, with a $6,400 deductible, a $10,300 yearly limit on what you pay, $40 primary care visits and $20 generics. Of the hospitals above, it includes Prisma Health Oconee Memorial and Prisma Health Baptist Easley.

You expect regular care and want a low deductible. BCBS Blue Reedy Gold 1 is $744 at age 40, $41 more than the plan your tax credit is based on, with a $250 deductible, a $10,000 yearly limit on what you pay, $25 primary care visits and $12 generics. Of the hospitals above, it includes Prisma Health Oconee Memorial and Prisma Health Baptist Easley. If you need a hospital it leaves out, Ambetter's lowest gold is $972.

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 both insurance companies against your doctors and prescriptions.

With 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 and Pickens County.