BlueEssentials Gold 1
Starting at
$599
/month before subsidy
BlueEssentials Gold 1 is a 2026 Gold EPO health insurance plan from BlueCross BlueShield of South Carolina, sold on the ACA Marketplace in South Carolina under plan ID 26065SC0380001. The monthly premium starts at $599 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $2,700 ($5,400 for a family), and the individual out-of-pocket maximum is $5,400 ($10,800 for a family). After the deductible, coinsurance is 25% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 26065SC0380001
- Plan year
- 2026
- State
- South Carolina
- Metal level
- Gold
- Plan type
- EPO
- HSA-eligible
- No
Individual Deductible
$2,700
Family: $5,400
Out-of-Pocket Max
$5,400
Family: $10,800
Coinsurance
25%
You pay after deductible
Network Type
EPO
SCN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$5,270
your estimated cost
- Deductible
- $2,700
- Copays
- $10
- Coinsurance
- $2,500
Managing type 2 diabetes
A year of routine care
$2,620
your estimated cost
- Deductible
- $900
- Copays
- $1,700
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,700
your estimated cost
- Deductible
- $2,500
- Copays
- $200
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Gold EPO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,049/month
Annual Premium
$7,188
OOP Maximum
$5,400
💡 What this means:
With a $2,700 deductible, you pay 100% of costs until you've spent that much. After that, you pay 25% (coinsurance) until you hit $5,400 total. Then insurance covers everything else for the year.
More plans from BlueCross BlueShield of South Carolina in South Carolina
Frequently asked questions about BlueEssentials Gold 1
How much does BlueEssentials Gold 1 cost per month?
BlueEssentials Gold 1 from BlueCross BlueShield of South Carolina starts at $599 per month before any subsidy in South Carolina. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for BlueEssentials Gold 1?
The individual medical deductible is $2,700, and the family deductible is $5,400. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for BlueEssentials Gold 1?
The most you would pay in a year for covered in-network care is $5,400 for an individual and $10,800 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is BlueEssentials Gold 1 HSA-eligible?
No. BlueEssentials Gold 1 is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does BlueEssentials Gold 1 use?
BlueEssentials Gold 1 is a EPO plan. EPO plans cover in-network care only (except emergencies) and usually do not require referrals to see specialists.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.