Health insurance prices in Tennessee (2026)
158 marketplace plans from 6 insurers across 95 counties. Official marketplace: HealthCare.gov.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $466–$764 (typical $586) · Silver $646–$1,001 (typical $771) · Gold $636–$1,046 (typical $793) · Platinum $859–$859 (typical $859)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 95) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Alliant Health Plans | 11 | 9 | $482 | $492 | $731 | $690 | SoloCare Exp Bronze EPO $9500 DED 10015 |
| Ambetter (Centene) | 95 | 16 | $496 | $599 | $748 | $795 | Everyday Bronze |
| Oscar Health | 46 | 15 | $482 | $574 | $750 | $732 | Bronze Simple |
| Cigna HealthcareCigna Group | 65 | 10 | $547 | $594 | $755 | $764 | Connect Bronze 7500 Indiv Med Deductible |
| BlueCross BlueShield of TennesseeIndependent Blue Cross Blue Shield company | 95 | 96 | $466 | $578 | $772 | $816 | BlueCross B15E $0 virtual care from Teladoc Health® |
| UnitedHealthcareUnitedHealth Group | 95 | 12 | $480 | $604 | $829 | $804 | UHC Bronze Essential (No Referrals) |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $466 | $586 | $764 | 63 | $7,500 | $10,150 | $17,261 |
| Silver | $646 | $771 | $1,001 | 62 | $5,900 | $8,900 | $18,401 |
| Gold | $636 | $793 | $1,046 | 32 | $2,000 | $8,200 | $17,298 |
| Platinum | $859 | $859 | $859 | 1 | $0 | $5,200 | $15,511 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in Tennessee
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Anderson County | 4 | 50 | $480 | $531 | $700 |
| Bedford County | 4 | 55 | $567 | $639 | $834 |
| Benton County | 5 | 65 | $499 | $584 | $755 |
| Bledsoe County | 5 | 59 | $482 | $567 | $748 |
| Blount County | 4 | 50 | $480 | $531 | $700 |
| Bradley County | 5 | 59 | $482 | $567 | $748 |
| Campbell County | 4 | 50 | $480 | $531 | $700 |
| Cannon County | 3 | 40 | $553 | $619 | $821 |
| Carroll County | 5 | 65 | $499 | $584 | $755 |
| Carter County | 4 | 50 | $483 | $565 | $720 |
| Cheatham County | 5 | 65 | $546 | $617 | $826 |
| Chester County | 5 | 65 | $499 | $584 | $755 |
| Claiborne County | 4 | 50 | $480 | $531 | $700 |
| Clay County | 3 | 40 | $553 | $619 | $821 |
| Cocke County | 4 | 50 | $480 | $531 | $700 |
| Coffee County | 4 | 55 | $567 | $639 | $834 |
| Crockett County | 5 | 65 | $499 | $584 | $755 |
| Cumberland County | 3 | 40 | $553 | $619 | $821 |
| Davidson County | 5 | 65 | $546 | $617 | $826 |
| DeKalb County | 3 | 40 | $553 | $619 | $821 |
| Decatur County | 5 | 65 | $499 | $584 | $755 |
| Dickson County | 4 | 55 | $567 | $639 | $834 |
| Dyer County | 5 | 65 | $499 | $584 | $755 |
| Fayette County | 5 | 65 | $466 | $552 | $670 |
| Fentress County | 3 | 40 | $553 | $619 | $821 |
| Franklin County | 5 | 59 | $482 | $567 | $748 |
| Gibson County | 5 | 65 | $499 | $584 | $755 |
| Giles County | 4 | 55 | $567 | $639 | $834 |
| Grainger County | 4 | 50 | $480 | $531 | $700 |
| Greene County | 4 | 50 | $483 | $565 | $720 |
| Grundy County | 5 | 59 | $482 | $567 | $748 |
| Hamblen County | 4 | 50 | $480 | $531 | $700 |
| Hamilton County | 5 | 59 | $482 | $567 | $748 |
| Hancock County | 4 | 50 | $483 | $565 | $720 |
| Hardeman County | 5 | 65 | $499 | $584 | $755 |
| Hardin County | 5 | 65 | $499 | $584 | $755 |
| Hawkins County | 4 | 50 | $483 | $565 | $720 |
| Haywood County | 5 | 65 | $466 | $552 | $670 |
| Henderson County | 5 | 65 | $499 | $584 | $755 |
| Henry County | 5 | 65 | $499 | $584 | $755 |
| Hickman County | 4 | 55 | $567 | $639 | $834 |
| Houston County | 4 | 55 | $567 | $639 | $834 |
| Humphreys County | 4 | 55 | $567 | $639 | $834 |
| Jackson County | 3 | 40 | $553 | $619 | $821 |
| Jefferson County | 4 | 50 | $480 | $531 | $700 |
| Johnson County | 4 | 50 | $483 | $565 | $720 |
| Knox County | 4 | 50 | $480 | $531 | $700 |
| Lake County | 5 | 65 | $499 | $584 | $755 |
| Lauderdale County | 5 | 65 | $466 | $552 | $670 |
| Lawrence County | 4 | 55 | $567 | $639 | $834 |
| Lewis County | 4 | 55 | $567 | $639 | $834 |
| Lincoln County | 4 | 55 | $567 | $639 | $834 |
| Loudon County | 4 | 50 | $480 | $531 | $700 |
| Macon County | 3 | 40 | $553 | $619 | $821 |
| Madison County | 5 | 65 | $499 | $584 | $755 |
| Marion County | 5 | 59 | $482 | $567 | $748 |
| Marshall County | 4 | 55 | $567 | $639 | $834 |
| Maury County | 4 | 55 | $567 | $639 | $834 |
| McMinn County | 5 | 59 | $482 | $567 | $748 |
| McNairy County | 5 | 65 | $499 | $584 | $755 |
| Meigs County | 5 | 59 | $482 | $567 | $748 |
| Monroe County | 4 | 50 | $480 | $531 | $700 |
| Montgomery County | 5 | 65 | $546 | $617 | $826 |
| Moore County | 4 | 55 | $567 | $639 | $834 |
| Morgan County | 4 | 50 | $480 | $531 | $700 |
| Obion County | 5 | 65 | $499 | $584 | $755 |
| Overton County | 3 | 40 | $553 | $619 | $821 |
| Perry County | 4 | 55 | $567 | $639 | $834 |
| Pickett County | 3 | 40 | $553 | $619 | $821 |
| Polk County | 5 | 59 | $482 | $567 | $748 |
| Putnam County | 3 | 40 | $553 | $619 | $821 |
| Rhea County | 5 | 59 | $482 | $567 | $748 |
| Roane County | 4 | 50 | $480 | $531 | $700 |
| Robertson County | 5 | 65 | $546 | $617 | $826 |
| Rutherford County | 5 | 65 | $546 | $617 | $826 |
| Scott County | 4 | 50 | $480 | $531 | $700 |
| Sequatchie County | 5 | 59 | $482 | $567 | $748 |
| Sevier County | 4 | 50 | $480 | $531 | $700 |
| Shelby County | 5 | 65 | $466 | $552 | $670 |
| Smith County | 3 | 40 | $553 | $619 | $821 |
| Stewart County | 4 | 55 | $567 | $639 | $834 |
| Sullivan County | 4 | 50 | $483 | $565 | $720 |
| Sumner County | 5 | 65 | $546 | $617 | $826 |
| Tipton County | 5 | 65 | $466 | $552 | $670 |
| Trousdale County | 5 | 65 | $546 | $617 | $826 |
| Unicoi County | 4 | 50 | $483 | $565 | $720 |
| Union County | 4 | 50 | $480 | $531 | $700 |
| Van Buren County | 3 | 40 | $553 | $619 | $821 |
| Warren County | 3 | 40 | $553 | $619 | $821 |
| Washington County | 4 | 50 | $483 | $565 | $720 |
| Wayne County | 4 | 55 | $567 | $639 | $834 |
| Weakley County | 5 | 65 | $499 | $584 | $755 |
| White County | 3 | 40 | $553 | $619 | $821 |
| Williamson County | 5 | 65 | $546 | $617 | $826 |
| Wilson County | 5 | 65 | $546 | $617 | $826 |
To compare insurance plans side by side (or with health sharing), open your county.