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

Spartanburg County has three Marketplace carriers for 2027: Ambetter, BlueCross BlueShield of SC and First Choice Next (Select Health of South Carolina). InStil Health is leaving the county. The benchmark silver plan rises from $642 to $760 a month (+18.5%), and it is now First Choice Next Silver Signature. Prices are full-price monthly premiums for a 40-year-old, before subsidies, unless noted.

Spartanburg's increase is one of the smaller ones in South Carolina, but its prices started high, so its benchmark is still among the state's most expensive. Every carrier here includes Spartanburg Medical Center. Open Enrollment runs November 1, 2026 through January 15, 2027. Enroll by December 15 for a January 1 start.

Spartanburg County's 2027 benchmark is the eighth-highest of South Carolina's 46 counties, even though its +18.5% increase ranks near the bottom (37th). During open enrollment for 2026, the average full-price premium here was $716 a month, and the average enrollee paid $126 after tax credits. About 16% of 2026 plan selections were new enrollees.

Full-price monthly premiums before subsidies:

Bronze and gold at ages 27 and 60 are calculated from the age-40 price using the same age ratios as the filed benchmark rates.

Lowest full-price premium from each carrier, age 40:

First Choice Next has the lowest price at every metal level, and its cheapest gold costs less than the benchmark silver. BlueCross sells only its statewide BlueEssentials/BlueConnect EPO plans here, with no regional Blue HMO, and those plans' silver and gold prices run well above First Choice Next's. For a 60-year-old, the benchmark rises $252 a month, or about $3,023 a year, before subsidies.

InStil Health is leaving Spartanburg County. It remains in Chesterfield, Darlington, Florence and York counties. In Spartanburg, InStil had 5 plans in 2026, including that year's benchmark (InHealth Basic 1) and the cheapest gold. InStil members need to choose a new plan. See InStil leaves Spartanburg: 2027 options.

No new carriers. Ambetter grew from 9 plans to 17, BlueCross went from 22 to 14, and First Choice Next stays at 8. The county's total drops from 44 plans to 39.

The benchmark moved from InStil to First Choice Next. Your 2027 tax credit is figured from First Choice Next Silver Signature, so recheck your net price even if your plan is renewing.

Every carrier selling in Spartanburg County includes Spartanburg Medical Center, so the choice here comes down to price, doctors and drugs.

• Spartanburg Regional's other hospitals, Pelham Medical Center in Greer, Cherokee Medical Center in Gaffney and Union Medical Center, are also in BlueEssentials/BlueConnect, Ambetter and First Choice Next.
• If you see Prisma Health doctors in Greenville, First Choice Next does not include Prisma Health Greenville Memorial. Ambetter and BlueEssentials/BlueConnect do. See our Greenville County page.
• Check individual doctors, too. A hospital being in-network does not guarantee every specialist there is. Our guide to checking doctors and prescriptions shows how.

For more on Spartanburg Regional, including Pelham, Cherokee and Union, see our Spartanburg Regional plan guide.

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

First Choice Next and Ambetter sell HMOs here, and BlueCross's BlueEssentials and BlueConnect are EPOs. The South Carolina Marketplace has no PPOs.

• Healthy and mainly want protection from a big bill: First Choice Next Bronze Essential is the lowest premium at $558. Its $12,000 deductible is also its out-of-pocket maximum. Generics are a $25 copay, but expect to pay most other routine costs yourself until you meet the deductible.
• You see doctors or fill prescriptions regularly: First Choice Next Gold Enhanced, at $736, has a $1,000 deductible, $35 primary care visits, $5 generics and a $10,000 out-of-pocket maximum. It costs $8 more than the county's lowest silver and less than the benchmark.
• Lower household income: Compare silver before anything else. At up to 250% of the federal poverty level, silver is the only metal level with cost-sharing reductions, which lower deductibles and copays. Before those reductions, the benchmark has a $6,400 deductible, $40 primary care visits and a $10,300 out-of-pocket maximum. See cost-sharing reductions explained.
• You split care between Spartanburg and Greenville: Ambetter or BlueEssentials/BlueConnect, which include both Spartanburg Regional and Prisma Health Greenville Memorial.

For the statewide picture, see our South Carolina Marketplace guide, the 2027 rate changes by county report and our First Choice Next review.