BlueEssentials Catastrophic 1
Starting at
$218
/month before subsidy
BlueEssentials Catastrophic 1 is a 2025 Catastrophic EPO health insurance plan from BlueCross BlueShield of South Carolina, sold on the ACA Marketplace in South Carolina under plan ID 26065SC0390001. The monthly premium starts at $218 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $9,200 ($18,400 for a family), and the individual out-of-pocket maximum is $9,200 ($18,400 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 26065SC0390001
- Plan year
- 2025
- State
- South Carolina
- Metal level
- Catastrophic
- Plan type
- EPO
- HSA-eligible
- No
Individual Deductible
$9,200
Family: $18,400
Out-of-Pocket Max
$9,200
Family: $18,400
Coinsurance
0%
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
$9,260
your estimated cost
- Deductible
- $9,200
- Copays
- $0
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$5,300
your estimated cost
- Deductible
- $5,200
- Copays
- $80
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,800
your estimated cost
- Deductible
- $2,800
- Copays
- $0
- Coinsurance
- $0
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This Catastrophic EPO plan is ideal for healthy individuals who want the lowest monthly premium and can handle higher out-of-pocket costs if they need care.
Consider this plan if you:
- Rarely visit the doctor beyond annual checkups
- Have savings to cover the $9,200 deductible if needed
- Primarily need coverage for unexpected emergencies
- Want to minimize monthly healthcare expenses
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$985/month
Annual Premium
$2,616
OOP Maximum
$9,200
💡 What this means:
With a $9,200 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $9,200 total. Then insurance covers everything else for the year.
More plans from BlueCross BlueShield of South Carolina in South Carolina
- Blue Beaufort Bronze 2from $494/mo
- Blue Congaree Bronze 2from $436/mo
- Blue Cooper Bronze 2from $463/mo
- Blue Pee Dee Bronze 2from $441/mo
- Blue Reedy Bronze 2from $482/mo
- Blue Beaufort Bronze 1from $500/mo
- Blue Beaufort Standard Expanded Bronzefrom $498/mo
- Blue Beaufort Standard Expanded Bronze Saver +from $540/mo
Frequently asked questions about BlueEssentials Catastrophic 1
How much does BlueEssentials Catastrophic 1 cost per month?
BlueEssentials Catastrophic 1 from BlueCross BlueShield of South Carolina starts at $218 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 Catastrophic 1?
The individual medical deductible is $9,200, and the family deductible is $18,400. 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 Catastrophic 1?
The most you would pay in a year for covered in-network care is $9,200 for an individual and $18,400 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is BlueEssentials Catastrophic 1 HSA-eligible?
No. BlueEssentials Catastrophic 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 Catastrophic 1 use?
BlueEssentials Catastrophic 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
- The SLCSP benchmark
The Silver plan that sets your subsidy and Form 1095-A
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.