BlueEssentials Bronze 4
Starting at
$386
/month before subsidy
BlueEssentials Bronze 4 is a 2026 Expanded_bronze EPO health insurance plan from BlueCross BlueShield of South Carolina, sold on the ACA Marketplace in South Carolina under plan ID 26065SC0380013. The monthly premium starts at $386 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $7,200 ($14,400 for a family), and the individual out-of-pocket maximum is $10,000 ($20,000 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 26065SC0380013
- Plan year
- 2026
- State
- South Carolina
- Metal level
- Expanded_bronze
- Plan type
- EPO
- HSA-eligible
- Yes
Individual Deductible
$7,200
Family: $14,400
Out-of-Pocket Max
$10,000
Family: $20,000
Coinsurance
50%
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
$9,970
your estimated cost
- Deductible
- $7,200
- Copays
- $10
- Coinsurance
- $2,700
Managing type 2 diabetes
A year of routine care
$4,620
your estimated cost
- Deductible
- $4,000
- Copays
- $600
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,700
your estimated cost
- Deductible
- $2,500
- Copays
- $200
- Coinsurance
- $0
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Review the plan details above to determine if this plan fits your healthcare needs and budget.
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,219/month
Annual Premium
$4,632
OOP Maximum
$10,000
💡 What this means:
With a $7,200 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $10,000 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 Bronze 4
How much does BlueEssentials Bronze 4 cost per month?
BlueEssentials Bronze 4 from BlueCross BlueShield of South Carolina starts at $386 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 Bronze 4?
The individual medical deductible is $7,200, and the family deductible is $14,400. 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 Bronze 4?
The most you would pay in a year for covered in-network care is $10,000 for an individual and $20,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is BlueEssentials Bronze 4 HSA-eligible?
Yes. BlueEssentials Bronze 4 is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.
What type of network does BlueEssentials Bronze 4 use?
BlueEssentials Bronze 4 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.