Blue Congaree Silver 1
Starting at
$521
/month before subsidy
Blue Congaree Silver 1 is a 2026 Silver HMO health insurance plan from BlueCross BlueShield of South Carolina, sold on the ACA Marketplace in South Carolina under plan ID 26065SC0720002. The monthly premium starts at $521 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $7,000 ($14,000 for a family), and the individual out-of-pocket maximum is $10,500 ($21,000 for a family). After the deductible, coinsurance is 50% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 26065SC0720002
- Plan year
- 2026
- State
- South Carolina
- Metal level
- Silver
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$7,000
Family: $14,000
Out-of-Pocket Max
$10,500
Family: $21,000
Coinsurance
50%
You pay after deductible
Network Type
HMO
SCN005
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$9,870
your estimated cost
- Deductible
- $7,000
- Copays
- $10
- Coinsurance
- $2,800
Managing type 2 diabetes
A year of routine care
$3,320
your estimated cost
- Deductible
- $900
- Copays
- $2,400
- 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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This Silver HMO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,396/month
Annual Premium
$6,252
OOP Maximum
$10,500
💡 What this means:
With a $7,000 deductible, you pay 100% of costs until you've spent that much. After that, you pay 50% (coinsurance) until you hit $10,500 total. Then insurance covers everything else for the year.
More plans from BlueCross BlueShield of South Carolina in South Carolina
Frequently asked questions about Blue Congaree Silver 1
How much does Blue Congaree Silver 1 cost per month?
Blue Congaree Silver 1 from BlueCross BlueShield of South Carolina starts at $521 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 Blue Congaree Silver 1?
The individual medical deductible is $7,000, and the family deductible is $14,000. 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 Blue Congaree Silver 1?
The most you would pay in a year for covered in-network care is $10,500 for an individual and $21,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Blue Congaree Silver 1 HSA-eligible?
No. Blue Congaree Silver 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 Blue Congaree Silver 1 use?
Blue Congaree Silver 1 is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.
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.