South Carolina small employers in 2027: what an ICHRA allowance buys on the individual market (median Silver $767 a month at 40, 6 insurers, no PPO on the.
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The short answer: a South Carolina business with 1 to 50 employees chooses between a small-group plan and reimbursing staff for individual plans. The individual market an ICHRA or QSEHRA allowance buys here prices a 40-year-old’s median Silver at $767 a month for 2027 (+20.6% from 2026), the cheapest Silver filed anywhere in the state is $587 (Ambetter from Absolute Total Care, Abbeville County), 6 insurers sell, and no marketplace plan in the state is a PPO (every plan is EPO or HMO). The owner’s own coverage follows the entity, and the Form 8941 credit follows headcount and wages, the same in every state.
A group quote, an ICHRA costing and the owner’s own plan all start from the same census: who is on payroll, their ages and home counties. Enter your ZIP and a licensed agent runs all four routes for your business, free.
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| Median Silver, age 40, full price | $767 a month ($636 in 2026) |
|---|---|
| Cheapest Silver filed, age 40 | $587, Streamlined Silver SC, Abbeville County (deductible $4,700) |
| Range of Silver medians across counties | $587 to $1,223 |
| Cheapest Silver at 27 / 50 / 60 | $481 / $820 / $1,246 |
| Insurers selling individual plans for 2027 | 6 (6 in 2026) |
| Counties with a single insurer | 0 of 46 |
| Plan types filed | EPO, HMO |
Source: CMS Plan Year 2027 and 2026 Qualified Health Plan Landscape files, every individual-market plan filed in South Carolina. An ICHRA allowance is spent on these plans; an employee’s age moves the price along the federal curve, up to about three times a 21-year-old’s at 60. Small-group plans are priced separately by each carrier and quoted from a census.
The 2027 premium tax credit line for the owner’s own coverage is $63,840 for one person, $86,560 for a couple and $132,000 for a family of four, on net income; above it the full filed price applies and the private market is the comparison. The deduction route depends on the entity (by entity type). South Carolina against the other states: Plans By State; the 1099 side of South Carolina: Plans For 1099; every county’s plans: Coverage by County.