Health insurance prices in Clay County, TN (2026)
40 marketplace plans from 3 insurers. Cheapest plan $553/mo; typical Silver $821/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
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). Rating Area 7.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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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 $553–$715 (typical $619) · Silver $776–$858 (typical $821) · Gold $804–$947 (typical $829)
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.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| BlueCross BlueShield of TennesseeIndependent Blue Cross Blue Shield company | 12 | $553 | $590 | $796 | $850 | BlueCross B15E $0 virtual care from Teladoc Health® | |
| Ambetter (Centene) | 16 | $611 | $629 | $817 | $840 | Everyday Bronze | |
| UnitedHealthcareUnitedHealth Group | 12 | $576 | $621 | $839 | $817 | UHC Bronze Essential (No Referrals) |
All 40 plans in Clay County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| BlueCross BlueShield of Tennessee | BlueCross B15E $0 virtual care from Teladoc Health® | Bronze | EPO | $553 | $10,600 | $10,600 | $17,230 | |
| BlueCross BlueShield of Tennessee | BlueCross B17E $0 virtual care from Teladoc Health® + Adult Dental | Bronze | EPO | $569 | $10,600 | $10,600 | $17,426 | |
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | EPO | $576 | $10,600 | $10,600 | $17,518 | |
| BlueCross BlueShield of Tennessee | BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® | Expanded Bronze | EPO | $590 | $7,500 | $10,000 | $17,076 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | EPO | $604 | $7,500 | $10,000 | $17,252 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | EPO | $611 | $8,450 | $10,150 | $17,477 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | EPO | $613 | $7,500 | $10,000 | $17,354 | |
| BlueCross BlueShield of Tennessee | BlueCross B16S $50 PCP Copay + $0 virtual care from Teladoc Health® | Expanded Bronze | EPO | $619 | $7,500 | $10,000 | $17,425 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $627 | $8,450 | $10,150 | $17,679 | |
| Ambetter (Centene) | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $630 | $7,500 | $10,000 | $17,556 | |
| UnitedHealthcare | UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals) | Expanded Bronze | EPO | $637 | $0 | $10,600 | $18,245 | |
| UnitedHealthcare | UHC Bronze Copay Focus + (Virtual Urgent Care, Dental + Vision, No Referrals) | Expanded Bronze | EPO | $658 | $0 | $10,600 | $18,491 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | EPO | $696 | $0 | $10,500 | $18,847 | |
| BlueCross BlueShield of Tennessee | BlueCross B19E $60 PCP Copay + $0 virtual care from Teladoc Health® | Expanded Bronze | EPO | $696 | $0 | $10,600 | $18,953 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $715 | $0 | $10,500 | $19,077 | |
| BlueCross BlueShield of Tennessee | BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® | Silver | EPO | $776 | $8,100 | $8,100 | $17,417 | |
| BlueCross BlueShield of Tennessee | BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® | Silver | EPO | $794 | $6,000 | $8,900 | $18,426 | |
| Ambetter (Centene) | Standard Silver | Silver | EPO | $796 | $6,000 | $8,900 | $18,452 | |
| BlueCross BlueShield of Tennessee | BlueCross S27E $60 PCP Copay + $0 virtual care from Teladoc Health® | Silver | EPO | $796 | $5,900 | $6,900 | $16,453 | |
| UnitedHealthcare | UHC Gold Advantage (Virtual Urgent Care, No Referrals) | Gold | EPO | $804 | $2,000 | $8,500 | $18,151 | |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | EPO | $809 | $2,000 | $8,200 | $17,904 | |
| Ambetter (Centene) | Standard Gold | Gold | EPO | $812 | $2,000 | $8,200 | $17,940 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | EPO | $817 | $5,000 | $8,650 | $18,451 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | EPO | $818 | $6,000 | $8,900 | $18,715 | |
| BlueCross BlueShield of Tennessee | BlueCross S29E $60 PCP Copay + $0 virtual care from Teladoc Health® + Adult Dental | Silver | EPO | $821 | $5,900 | $6,900 | $16,754 | |
| Ambetter (Centene) | Everyday Gold | Gold | EPO | $823 | $800 | $7,250 | $17,127 | |
| UnitedHealthcare | UHC Gold Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) | Gold | EPO | $825 | $2,000 | $8,500 | $18,396 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | EPO | $828 | $6,000 | $8,900 | $18,836 | |
| UnitedHealthcare | UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) | Gold | EPO | $828 | $0 | $8,500 | $18,438 | |
| BlueCross BlueShield of Tennessee | BlueCross G08E $30 PCP Copay + $0 virtual care from Teladoc Health ® | Gold | EPO | $829 | $2,000 | $8,200 | $18,150 | |
| BlueCross BlueShield of Tennessee | BlueCross S26S $40 PCP Copay + $0 virtual care from Teladoc Health® | Silver | EPO | $833 | $6,000 | $8,900 | $18,896 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | EPO | $834 | $2,000 | $8,200 | $18,208 | |
| UnitedHealthcare | UHC Silver Advantage (Virtual Urgent Care, No Referrals) | Silver | EPO | $837 | $3,500 | $10,500 | $20,547 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | EPO | $839 | $5,000 | $8,650 | $18,721 | |
| UnitedHealthcare | UHC Silver Copay Focus (Virtual Urgent Care, No Referrals) | Silver | EPO | $841 | $0 | $10,150 | $20,239 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | EPO | $846 | $800 | $7,250 | $17,399 | |
| UnitedHealthcare | UHC Silver Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | EPO | $858 | $3,500 | $10,500 | $20,792 | |
| BlueCross BlueShield of Tennessee | BlueCross G08S $30 PCP Copay + $0 virtual care from Teladoc Health ® | Gold | EPO | $870 | $2,000 | $8,200 | $18,641 | |
| Ambetter (Centene) | Elite Gold | Gold | EPO | $922 | $0 | $6,500 | $17,558 | |
| Ambetter (Centene) | Elite Gold + Vision + Adult Dental | Gold | EPO | $947 | $0 | $6,500 | $17,863 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $553 | $619 | $715 | 15 | $7,500 | $10,500 | $17,518 |
| Silver | $776 | $821 | $858 | 13 | $5,900 | $8,900 | $18,715 |
| Gold | $804 | $829 | $947 | 12 | $2,000 | $8,200 | $18,045 |
* 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.