First Choice Next Silver Signature
Silver · HMO · First Choice Next · South Carolina
At age 40 it costs between $563.58 and $661.68 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 | $6,000 | $8,900 | $40 | $20 |
| up to 150% of the federal poverty level | $0 | $2,200 | No Charge | No Charge |
| 150% to 200% | $700 | $3,300 | $20 | $10 |
| 200% to 250% | $3,000 | $7,400 | $40 | $20 |
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 | 73107SC0010003 |
|---|---|
| Insurer | First Choice Next |
| Metal level | Silver |
| Plan type | HMO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $6,000 |
| Deductible (family) | $12,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,900 |
| Family maximum | $17,800 |
| Primary care visit | $40 |
| Specialist visit | $80 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $20 |
| Preferred brand drugs | $40 |
| Specialty drugs | $350 Copay after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 99.81% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-833-983-7272 · TTY 711 |
Where it is sold, and what it costs there
20 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 |
|---|---|---|---|---|---|
| Georgetown County | $440.99 | $500.52 | $563.58 | $787.60 | $1,196.82 |
| Calhoun County | $453.61 | $514.85 | $579.71 | $810.14 | $1,231.09 |
| Berkeley County | $457.63 | $519.41 | $584.86 | $817.33 | $1,242.01 |
| Horry County | $463.70 | $526.30 | $592.60 | $828.16 | $1,258.47 |
| Fairfield County | $471.32 | $534.95 | $602.34 | $841.77 | $1,279.15 |
| Dillon County | $474.17 | $538.18 | $605.99 | $846.87 | $1,286.90 |
| Charleston County | $484.38 | $549.77 | $619.04 | $865.10 | $1,314.61 |
| Greenville County | $488.87 | $554.87 | $624.78 | $873.13 | $1,326.80 |
| Chester County | $500.07 | $567.58 | $639.09 | $893.12 | $1,357.18 |
| Cherokee County | $501.36 | $569.05 | $640.74 | $895.43 | $1,360.69 |
| Kershaw County | $501.36 | $569.05 | $640.74 | $895.43 | $1,360.69 |
| Laurens County | $501.36 | $569.05 | $640.74 | $895.43 | $1,360.69 |
| Marion County | $501.36 | $569.05 | $640.74 | $895.43 | $1,360.69 |
| Richland County | $501.36 | $569.05 | $640.74 | $895.43 | $1,360.69 |
| Spartanburg County | $501.36 | $569.05 | $640.74 | $895.43 | $1,360.69 |
| Union County | $501.36 | $569.05 | $640.74 | $895.43 | $1,360.69 |
| Lancaster County | $503.32 | $571.27 | $643.24 | $898.92 | $1,366 |
| Pickens County | $510.60 | $579.53 | $652.54 | $911.92 | $1,385.75 |
| Dorchester County | $514.04 | $583.43 | $656.94 | $918.07 | $1,395.09 |
| Anderson County | $517.74 | $587.64 | $661.68 | $924.69 | $1,405.15 |
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.