UHC Bronze Essential
Starting at
$411
/month before subsidy
UHC Bronze Essential is a 2026 Bronze HMO health insurance plan from UnitedHealthcare, sold on the ACA Marketplace in South Carolina under plan ID 33764SC0030013. The monthly premium starts at $411 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $10,600 ($21,200 for a family), and the individual out-of-pocket maximum is $10,600 ($21,200 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.
- Plan ID
- 33764SC0030013
- Plan year
- 2026
- State
- South Carolina
- Metal level
- Bronze
- Plan type
- HMO
- HSA-eligible
- Yes
Individual Deductible
$10,600
Family: $21,200
Out-of-Pocket Max
$10,600
Family: $21,200
Coinsurance
0%
You pay after deductible
Network Type
HMO
SCN011
Medical Services
Prescription Drugs
Having a baby
Normal delivery
$10,660
your estimated cost
- Deductible
- $10,600
- Copays
- $0
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$1,100
your estimated cost
- Deductible
- $1,100
- Copays
- $0
- 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 Bronze HMO 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 $10,600 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
$1,294/month
Annual Premium
$4,932
OOP Maximum
$10,600
💡 What this means:
With a $10,600 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $10,600 total. Then insurance covers everything else for the year.
More plans from UnitedHealthcare in South Carolina
- UHC Bronze Essential-from $411/mo
- UHC Bronze Copay Focus $0 Indiv Med Dedfrom $449/mo
- UHC Bronze Copay Focus+ $0 Indiv Med Ded (Dental + Vision)from $461/mo
- UHC Bronze Standardfrom $434/mo
- UHC Bronze Standard Plus Chirofrom $437/mo
- UHC Silver Advantagefrom $629/mo
- UHC Silver Advantage+ (Dental + Vision)from $642/mo
- UHC Silver Copay Focus $0 Indiv Med Dedfrom $631/mo
Frequently asked questions about UHC Bronze Essential
How much does UHC Bronze Essential cost per month?
UHC Bronze Essential from UnitedHealthcare starts at $411 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 UHC Bronze Essential?
The individual medical deductible is $10,600, and the family deductible is $21,200. 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 UHC Bronze Essential?
The most you would pay in a year for covered in-network care is $10,600 for an individual and $21,200 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is UHC Bronze Essential HSA-eligible?
Yes. UHC Bronze Essential 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 UHC Bronze Essential use?
UHC Bronze Essential 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.