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SilverHMO

First Choice Next Silver Essential

First Choice Next

Starting at

$566

/month before subsidy

Key facts

First Choice Next Silver Essential is a 2026 Silver HMO health insurance plan from First Choice Next, sold on the ACA Marketplace in South Carolina under plan ID 73107SC0010008. The monthly premium starts at $566 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $6,100 ($12,200 for a family), and the individual out-of-pocket maximum is $9,000 ($18,000 for a family). After the deductible, coinsurance is 35% for covered in-network care. The plan is not HSA-eligible.

Plan ID
73107SC0010008
Plan year
2026
State
South Carolina
Metal level
Silver
Plan type
HMO
HSA-eligible
No

Individual Deductible

$6,100

Family: $12,200

Out-of-Pocket Max

$9,000

Family: $18,000

Coinsurance

35%

You pay after deductible

Network Type

HMO

SCN001

Cost Sharing
What you pay for common services (after deductible unless noted)

Medical Services

Primary Care Visit$25.00
Specialist Visit$70.00
Urgent Care$45.00
Emergency Room35.00% Coinsurance after deductible

Prescription Drugs

Generic Drugs$25.00
Brand Name Drugs45.00% Coinsurance after deductible
Specialty Drugs50.00% Coinsurance after deductible
What you'd typically pay
Standardized coverage examples from this plan's official Summary of Benefits & Coverage — your estimated out-of-pocket cost in three common situations (in-network).

Having a baby

Normal delivery

$7,570

your estimated cost

Deductible
$6,100
Copays
$70
Coinsurance
$1,400

Managing type 2 diabetes

A year of routine care

$2,100

your estimated cost

Deductible
$900
Copays
$1,200
Coinsurance
$0

A simple fracture

ER visit + follow-up

$2,780

your estimated cost

Deductible
$2,700
Copays
$80
Coinsurance
$0
Is your medication or doctor covered?
Check this plan against your prescriptions and providers, using live data from the federal Marketplace (CMS). Always confirm with the insurer before enrolling.
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Official Plan Documents
Published by First Choice Next. These are the authoritative source for coverage details.
Summary of Benefits & Coverage (SBC)Standardized cost & coverage summaryPlan BrochureFull plan details from the insurerDrug FormularyCovered prescriptions & drug tiers
Who This Plan Is Best For

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.

Worst-Case Monthly Cost
What you'd pay if you hit your out-of-pocket maximum

If you max out this year

$1,316/month

Annual Premium

$6,792

OOP Maximum

$9,000

💡 What this means:

With a $6,100 deductible, you pay 100% of costs until you've spent that much. After that, you pay 35% (coinsurance) until you hit $9,000 total. Then insurance covers everything else for the year.

More plans from First Choice Next in South Carolina

View all Marketplace plans in South Carolina

Frequently asked questions about First Choice Next Silver Essential

How much does First Choice Next Silver Essential cost per month?

First Choice Next Silver Essential from First Choice Next starts at $566 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 First Choice Next Silver Essential?

The individual medical deductible is $6,100, and the family deductible is $12,200. 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 First Choice Next Silver Essential?

The most you would pay in a year for covered in-network care is $9,000 for an individual and $18,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.

Is First Choice Next Silver Essential HSA-eligible?

No. First Choice Next Silver Essential 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 First Choice Next Silver Essential use?

First Choice Next Silver 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

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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.