First Choice Next Silver Essential
Silver · HMO · First Choice Next · South Carolina
At age 40 it costs between $566.11 and $664.65 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 | $6,100 | $9,000 | $25 | $25 |
| up to 150% of the federal poverty level | $0 | $1,600 | $5 | $15 |
| 150% to 200% | $1,000 | $2,750 | $20 | $15 |
| 200% to 250% | $3,500 | $8,450 | $25 | $15 |
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 | 73107SC0010008 |
|---|---|
| Insurer | First Choice Next |
| Metal level | Silver |
| Plan type | HMO |
| Deductible (individual) | $6,100 |
| Deductible (family) | $12,200 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,000 |
| Family maximum | $18,000 |
| Primary care visit | $25 |
| Specialist visit | $70 |
| Emergency room | 35% Coinsurance after deductible |
| Inpatient stay | 35% Coinsurance after deductible |
| Generic drugs | $25 |
| Preferred brand drugs | $60 |
| Specialty drugs | 50% Coinsurance 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 | $442.97 | $502.77 | $566.11 | $791.14 | $1,202.21 |
| Calhoun County | $455.65 | $517.16 | $582.32 | $813.79 | $1,236.63 |
| Berkeley County | $459.69 | $521.75 | $587.49 | $821.01 | $1,247.60 |
| Horry County | $465.78 | $528.67 | $595.27 | $831.89 | $1,264.13 |
| Fairfield County | $473.44 | $537.35 | $605.05 | $845.56 | $1,284.91 |
| Dillon County | $476.31 | $540.61 | $608.72 | $850.68 | $1,292.69 |
| Charleston County | $486.56 | $552.25 | $621.83 | $869 | $1,320.52 |
| Greenville County | $491.08 | $557.37 | $627.59 | $877.06 | $1,332.77 |
| Chester County | $502.32 | $570.13 | $641.96 | $897.14 | $1,363.29 |
| Cherokee County | $503.62 | $571.61 | $643.63 | $899.46 | $1,366.82 |
| Kershaw County | $503.62 | $571.61 | $643.63 | $899.46 | $1,366.82 |
| Laurens County | $503.62 | $571.61 | $643.63 | $899.46 | $1,366.82 |
| Marion County | $503.62 | $571.61 | $643.63 | $899.46 | $1,366.82 |
| Richland County | $503.62 | $571.61 | $643.63 | $899.46 | $1,366.82 |
| Spartanburg County | $503.62 | $571.61 | $643.63 | $899.46 | $1,366.82 |
| Union County | $503.62 | $571.61 | $643.63 | $899.46 | $1,366.82 |
| Lancaster County | $505.58 | $573.84 | $646.13 | $902.97 | $1,372.14 |
| Pickens County | $512.89 | $582.13 | $655.48 | $916.02 | $1,391.99 |
| Dorchester County | $516.35 | $586.06 | $659.90 | $922.20 | $1,401.37 |
| Anderson County | $520.07 | $590.28 | $664.65 | $928.85 | $1,411.47 |
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.
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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.