First Choice Next Insurance Plans
First Choice Next offers health insurance plans in 20 South Carolina counties with $0 telehealth, unlimited primary care visits, and no specialist referrals required.
By Wiley Long III, President – HSA for America
Reviewed by Whitney Kline – Fact checked by Misty Berryman – Updated 10/5/2026
30+ years serving SC
Bronze, Silver & Gold tiers
20 counties covered
$0 telehealth copay
See Instant First Choice Next Insurance Rates
Choose your state to see your rates and enroll online in minutes, or schedule a free consultation if you would rather be guided through it.
What You Get With Every First Choice Next Plan
First Choice Next Plan Tiers
Three metal tiers, three benefit designs inside each tier.
BRONZE
Bronze plans are best for healthy South Carolinians who rarely visit the doctor and want catastrophic protection at the lowest monthly cost.
- Three sub-plans: Bronze Essential, Bronze Signature, and Bronze Premier
- Individual deductibles from $3,850 to $10,600
- Bronze Essential has 0% coinsurance after deductible, so you pay nothing for covered in-network services once the deductible is met
- Unlimited primary care visits and $0 telehealth on all three sub-plans
SILVER
Silver plans balance monthly premium and cost at the point of care, and they are the only tier eligible for cost-sharing reductions when you qualify by income on the Exchange.
- Five sub-plans, including Silver Essential, Signature, Premier, Off-Marketplace High, and Off-Marketplace Low
- Individual deductibles from $400 to $6,100
- Primary care visits start at $25 before deductible
- Strongest value for households that expect moderate health care use
GOLD
Gold plans carry the highest monthly premium but the lowest cost-sharing, which fits households with chronic conditions or families with regular specialist visits.
- Two sub-plans: Gold Signature and Gold Premier
- Individual deductibles of $2,000 (Signature) or $850 (Premier)
- Gold Premier offers 20% coinsurance after deductible, the lowest in the lineup
- Primary care visits start at $15 before deductible on Gold Premier
How First Choice Next Plans Compare
| Plan | Individual Deductible | Individual OOP Max | Coinsurance |
|---|---|---|---|
| Bronze Essential | $10,600 | $10,600 | 0% |
| Bronze Signature | $7,500 | $10,000 | 50% |
| Bronze Premier | $3,850 | $10,600 | 50% |
| Silver Essential | $6,100 | $9,000 | 35% |
| Silver Signature | $6,000 | $8,900 | 40% |
| Silver Premier | $400 | $10,200 | 50% |
| Silver Off-Mktpl High | $2,750 | $10,600 | 30% |
| Silver Off-Mktpl Low | $5,500 | $10,600 | 30% |
| Gold Signature | $2,000 | $8,200 | 25% |
| Gold Premier | $850 | $8,500 | 20% |
First Choice Next Pros and Cons
Here is an honest look at the strengths and trade-offs of First Choice Next plans.
First Choice Next Pros
- Backed by Select Health of South Carolina with 30+ years serving the state, part of the national AmeriHealth Caritas Family of Companies.
- $0 copay Virtual Care 24/7 included on every plan, which is unusual at the Bronze tier.
- Unlimited primary care visits and no referral needed for in-network specialists.
- Strong lineup of included extras: free WW® membership, Healthy Rewards Visa card, maternity program, and diabetes education.
- Gold Premier plan offers a $850 deductible and 20% coinsurance, competitive for the tier.
First Choice Next Cons
- Availability is limited to 20 South Carolina counties, so it is not an option for shoppers outside the service area.
- Bronze Essential carries a $10,600 individual deductible, one of the higher ACA deductibles on the market.
- Not every plan is HSA-qualified. Per-plan eligibility must be checked against the current-year IRS high-deductible health plan rules.
- Out-of-network care is generally not covered except for emergencies and federal No Surprises Act protections.
- Monthly premiums are not published on the carrier website. You need to run a personalized quote to see your real cost.
Ready To See First Choice Next Insurance Rates?
Choose your state to see your rates and enroll online in minutes. If you would rather talk it through first, a Personal Benefits Manager can go through your options with you at no cost and with no obligation.
Or call us directly: 800-913-0172
First Choice Next Value-Added Benefits
$0 Copay Virtual Care 24/7
See a licensed provider from your phone any hour of the day, any day of the week, with zero copay. Use it for everyday non-emergency needs like colds, rashes, and minor injuries without leaving home or waiting in a clinic.
No-Referral Specialist Access and Unlimited PCP Visits:
See an in-network specialist directly, no PCP referral required. Visit your primary care provider as many times as you need during the plan year, with no visit cap.
Free WW® (formerly Weight Watchers®) Membership:
Every First Choice Next member gets a WW membership included in the plan. You get structured weight-management coaching and tools at no extra monthly cost, with no separate gym or program fees.
Additional Member Benefits:
Expectant mothers get a dedicated maternity program at no additional cost. Members with diabetes get one-on-one education to manage the condition, and bilingual staff help with scheduling visits and answering benefit questions.
Healthy Rewards Program:
Earn a Visa rewards card for completing healthy activities like annual physicals, preventive screenings, and wellness goals. Real money back for taking care of your health.
For Further Reading
Explore related resources before you enroll.
A quick primer on how ACA Marketplace insurance works, from subsidies to metal tiers.
An HSA-compatible alternative worth comparing if you want a different cost structure.
See how health sharing compares to traditional ACA insurance before you decide.
First Choice Next Frequently Asked Questions
Q: What South Carolina counties does First Choice Next cover?
Cherokee, Chester, Dillon, Dorchester, Fairfield, Georgetown, Greenville, Horry, Kershaw, Lancaster,
Laurens, Marion, Pickens, Richland, Spartanburg, and Union. If you live outside these counties, you will
need a different carrier. We can help you compare options.
Q: Does First Choice Next cover pre-existing conditions?
A: Yes. As an ACA Marketplace plan, First Choice Next cannot deny benefits, charge more, or impose
waiting periods for pre-existing conditions. Every First Choice Next plan covers pre-existing conditions
from the effective date of your plan, with no exclusions, no surcharges, and no waiting.
Q:What extras come with a First Choice Next plan?
A:Every plan includes $0 copay Virtual Care 24/7, unlimited primary care visits, no-referral specialist
access, a free WW® (formerly Weight Watchers®) membership, and the Healthy Rewards program,
which pays out a Visa rewards card for completing healthy activities. Maternity programs and diabetes
education are also available at no cost.
Q: How do First Choice Next Bronze, Silver, and Gold plans differ?
A: Bronze plans have the lowest premiums and highest deductibles, which fits healthy members who rarely visit the doctor. Silver plans balance premium and cost-share and may qualify for cost-sharing reductions if your income qualifies. Gold plans carry the highest premiums and the lowest out-of-pocket costs when you actually use care.
Q: Can I pair a First Choice Next plan with a Health Savings Account?
A: Yes, if the specific plan you choose meets IRS high-deductible health plan rules for the current year. All
Bronze plans are HSA-qualified, and some Silver plans may be. Check each HSA-qualified indication
on your quote results, or ask our advisor to walk you through the HSA-qualified options.
What Our Clients Say
We have helped over 16 thousand people find health insurance or a health sharing plan.
“I was paying way too much through my old insurance broker. HSA for America helped me find a health plan that cut my monthly premium nearly in half. It’s been a total game-changer for my budget.”
– Carlos Ramirez, Tempe, AZ
“I was skeptical at first, but after comparing options with HSA for America, I realized I could save over $1,500 a year and still keep the doctors I like. They made the whole process super easy.”
– Susan Lee, Albuquerque, NM
“Wiley Long before him have made continuing with HSA-eligible health insurance a breeze during the very confusing transition to the Affordable Care Act. You’ve saved me time and money, and continue to be a solid, easily available resource to this self-insured businessman. Please, please keep up the great work! Excellent.”
-Jay Macdonald, Clearwater, FL
” Excellent. Leslie was very helpful and pleasant to work with. I got answers to my emails very quickly. Leslie also showed me ways to save a substantial amount of money. Excellent. Very knowledgeable.”
– Rita Shepherd, Red Bluff, CA
“I can’t thank Leslie enough for her guidance. She made a complex process feel simple and stress-free. Her knowledge of HSA-compatible plans helped me save hundreds while still getting great coverage. Outstanding service!”
– Karen Miller, Fort Collins, CO
“Thanks to Mike Montes at HSA for America, I’m saving nearly $200 a month on my premiums. He showed me how to pair the right plan with an HSA to get tax savings too. That’s real money back in my pocket.”
– Allison J., Colorado Springs, CO
“As a small business owner, every dollar counts. Christine helped me lower my costs without sacrificing coverage, and the health plan option she recommended is giving me major tax advantages. Highly recommend!”
– Derek P., Reno, NV
Have More Questions?
You can see your rates and enroll online whenever you are ready. If you would rather have questions answered first, schedule a time with one of our Personal Benefits Managers. They can make sure you are on the lower cost membership that fits your household, and get you enrolled.
It is a short conversation, and you will finish it with your questions answered.
For over 20 years we have helped individuals, families, and small businesses find better healthcare at a lower cost.
Phone: 800-913-0172
Hours: Monday to Friday, 8am to 6pm MT
See First Choice Next Insurance Rates
Choose your state to see your rates and enroll online in minutes, or schedule a free consultation if you would rather be guided through it.
Or call 800-913-0172
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