InHealth Basic 1
Silver · HMO · InStil Health · South Carolina
At age 40 it costs between $529.26 and $641.58 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $6,500 | $10,600 | $25 | $7 |
| up to 150% of the federal poverty level | $0 | $1,800 | No Charge | $2 |
| 150% to 200% | $400 | $3,400 | $15 | $7 |
| 200% to 250% | $4,900 | $8,450 | $25 | $7 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 33863SC0010001 |
|---|---|
| Insurer | InStil Health |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $6,500 |
| Deductible (family) | $13,000 |
| Drug deductible | $10,600 |
| Most you could pay in a year | $10,600 |
| Family maximum | $21,200 |
| Primary care visit | $25 |
| Specialist visit | $60 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $7 |
| Preferred brand drugs | $20 |
| Specialty drugs | No Charge after Deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-833-738-0978 · TTY 1-855-889-4325 |
Where it is sold, and what it costs there
5 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Darlington County | $414.13 | $470.04 | $529.26 | $739.64 | $1,123.95 |
| Florence County | $424.30 | $481.58 | $542.25 | $757.79 | $1,151.54 |
| Chesterfield County | $436.27 | $495.17 | $557.55 | $779.18 | $1,184.04 |
| York County | $479.42 | $544.15 | $612.70 | $856.25 | $1,301.16 |
| Spartanburg County | $502.02 | $569.79 | $641.58 | $896.60 | $1,362.47 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
Get told when this changes
When this plan’s price or benefits change.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.