South Carolina · Insurer

UnitedHealthcare Marketplace Plans in South Carolina

Updated October 8, 2026

UnitedHealthcare sold HMO plans in 17 smaller South Carolina counties in 2026 and is leaving 8 of them for 2027. It filed the state's largest proposed increase, 45.5%.

Proposed changes are as filed. Final 2027 rates are published when open enrollment starts.

Compare plans for my ZIP codeFree. See your price after tax credits.

17 of 46South Carolina counties (2026)

HMOPlan type

Not yet ratedCMS quality rating (2026)

+45.5%Proposed 2027 change

What makes UnitedHealthcare different from other South Carolina insurers?

It is withdrawing from Cherokee, Chester, Colleton, Lancaster, Laurens, Lee, Marlboro and Union. Kershaw, Newberry, Clarendon and six others remain on its 2026 list.
Plans named Copay Focus carry a label of $0 individual medical deductible. Read the summary of benefits to see which services that applies to.
Advantage+ plans add dental and vision. Standard Plus Chiro plans add chiropractic care. All 17 plans are HMOs across Bronze, Silver and Gold.
Novant Health lists UnitedHealthcare individual and family plans among 2027 plans that include Novant providers in applicable areas.

Columbia, South Carolina skyline at sunset behind the Finlay Park fountain

Is UnitedHealthcare a good Marketplace option in South Carolina?

UnitedHealthcare is a good fit if you live in one of its 17 counties and want a choice beyond the Blue and Ambetter plans. Members in its 8 dropped counties will get a notice and must pick a new insurer for 2027.

Who should consider UnitedHealthcare?

You live in one of its 17 counties and want a choice beyond the Blue and Ambetter plans
You want a plan with a $0 individual medical deductible label
You want chiropractic or dental and vision add-ins

Who should look elsewhere?

Members in its 8 dropped counties will get a notice and must pick a new insurer for 2027.
Its 45.5% proposed increase, confirmed in the federal rate filing, is the highest in the state.
Prisma Health and MUSC participation in these exchange plans was not confirmed.

Which UnitedHealthcare plans should you look at first?

BronzeUHC Bronze Essential-$411/monthAge 40, 2026 premium before tax creditsLowest monthly premium

BronzeUHC Bronze Copay Focus $0 Indiv Med Ded$449/monthAge 40, 2026 premium before tax creditsLowest deductible, $0

GoldUHC Gold Advantage$655/monthAge 40, 2026 premium before tax credits$10 primary care visits before the deductible

2027 plan-by-plan prices and copays appear here once HealthCare.gov publishes them on November 1.

See my price after tax creditsCompare every insurer in your county and check your doctors.

How much do UnitedHealthcare plans cost in South Carolina?

UnitedHealthcare sold 17 plans in South Carolina for 2026, starting at $411 a month at age 40 before tax credits. Its average proposed change for 2027 is +45.5%.

Which UnitedHealthcare plans were sold in South Carolina in 2026?

Premium is the lowest monthly premium before tax credits across South Carolina rating areas. OOP max is the out-of-pocket maximum. Costs are in network, for the standard version of each plan.
Plan	Metal	Type	Premium (age 40)	Deductible	OOP max	Primary care	Specialist	Generic Rx	HSA	Counties	Compare
UHC Bronze Essential-	MetalBronze	TypeHMO	Premium (age 40)$411	Deductible$10,600	OOP max$10,600	Primary care$0 after deductible	Specialist$0 after deductible	Generic Rx$0 after deductible	HSANo	Counties17	Compare
UHC Bronze Essential	MetalBronze	TypeHMO	Premium (age 40)$411	Deductible$10,600	OOP max$10,600	Primary care$0 after deductible	Specialist$0 after deductible	Generic Rx$0 after deductible	HSANo	Counties17	Compare
UHC Bronze Standard	MetalBronze	TypeHMO	Premium (age 40)$434	Deductible$7,500	OOP max$10,000	Primary care$50	Specialist$100	Generic Rx$25	HSANo	Counties17	Compare
UHC Bronze Standard Plus Chiro	MetalBronze	TypeHMO	Premium (age 40)$437	Deductible$7,500	OOP max$10,000	Primary care$50	Specialist$100	Generic Rx$25	HSANo	Counties17	Compare
UHC Bronze Copay Focus $0 Indiv Med Ded	MetalBronze	TypeHMO	Premium (age 40)$449	Deductible$0	OOP max$10,600	Primary care$50	Specialist$110	Generic Rx$20	HSANo	Counties17	Compare
UHC Bronze Copay Focus+ $0 Indiv Med Ded (Dental + Vision)	MetalBronze	TypeHMO	Premium (age 40)$461	Deductible$0	OOP max$10,600	Primary care$50	Specialist$110	Generic Rx$20	HSANo	Counties17	Compare
UHC Silver Standard-	MetalSilver	TypeHMO	Premium (age 40)$628	Deductible$6,000	OOP max$8,900	Primary care$40	Specialist$80	Generic Rx$20	HSANo	Counties17	Compare
UHC Silver Standard	MetalSilver	TypeHMO	Premium (age 40)$628	Deductible$6,000	OOP max$8,900	Primary care$40	Specialist$80	Generic Rx$20	HSANo	Counties17	Compare
UHC Silver Advantage	MetalSilver	TypeHMO	Premium (age 40)$629	Deductible$2,750	OOP max$10,600	Primary care$30	Specialist$100	Generic Rx$5	HSANo	Counties17	Compare
UHC Silver Copay Focus $0 Indiv Med Ded	MetalSilver	TypeHMO	Premium (age 40)$631	Deductible$0	OOP max$10,150	Primary care$40	Specialist$100	Generic Rx$10	HSANo	Counties17	Compare
UHC Silver Standard Plus Chiro	MetalSilver	TypeHMO	Premium (age 40)$631	Deductible$6,000	OOP max$8,900	Primary care$40	Specialist$80	Generic Rx$20	HSANo	Counties17	Compare
UHC Silver Advantage+ (Dental + Vision)	MetalSilver	TypeHMO	Premium (age 40)$642	Deductible$2,750	OOP max$10,600	Primary care$30	Specialist$100	Generic Rx$5	HSANo	Counties17	Compare
UHC Gold Copay Focus $0 Indiv Med Ded	MetalGold	TypeHMO	Premium (age 40)$636	Deductible$0	OOP max$10,150	Primary care$20	Specialist$75	Generic Rx$3	HSANo	Counties17	Compare
UHC Gold Standard	MetalGold	TypeHMO	Premium (age 40)$649	Deductible$2,000	OOP max$8,200	Primary care$30	Specialist$60	Generic Rx$15	HSANo	Counties17	Compare
UHC Gold Standard Plus Chiro	MetalGold	TypeHMO	Premium (age 40)$652	Deductible$2,000	OOP max$8,200	Primary care$30	Specialist$60	Generic Rx$15	HSANo	Counties17	Compare
UHC Gold Advantage	MetalGold	TypeHMO	Premium (age 40)$655	Deductible$1,200	OOP max$9,250	Primary care$10	Specialist$50	Generic Rx$5	HSANo	Counties17	Compare
UHC Gold Advantage+ (Dental + Vision)	MetalGold	TypeHMO	Premium (age 40)$667	Deductible$1,200	OOP max$9,250	Primary care$10	Specialist$50	Generic Rx$5	HSANo	Counties17	Compare

Which other insurers sell Marketplace plans in South Carolina?

Sources

SERFF UHLC-135044459, UnitedHealthcare of SC PY2027 county withdrawal and member notices, August 27, 2026
CMS Rate Review, South Carolina 2027 individual filings, June 2026
SC Department of Insurance, ACA health insurance page (2026 insurers by county), October 28, 2025
healthinsurance.org, South Carolina health insurance marketplace, August 24, 2026
UnitedHealthcare, individual exchange plans for 2026, November 2025
Novant Health, 2027 marketplace plan options, accessed October 8, 2026
CMS QHP Landscape PY2026 (county counts, our tally), October 2025
CMS State-based Exchange Public Use Files, plan year 2026, checked October 4, 2026

← South Carolina Marketplace guide and all insurers

Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.

Thrive Benefits Group is not HealthCare.gov or a government agency. Premiums shown are before tax credits, for one person age 40, and most people who qualify for tax credits pay less. Your price depends on your county, age, household and income. Plan details can change; the insurer's plan documents are final.