UnitedHealthcare in Tennessee health insurance (2026)
UnitedHealthcare sells 12 marketplace plans in every Tennessee county for 2026, from $480/mo; typical Silver $829/mo, before tax credits. Buy on 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).
Who needs coverage?
Showing prices for one 40-year-old. Add everyone on the plan to see your household's price; every insurance price on this page updates.
Each person is priced by age using this state's official age curve; only the three oldest children under 21 are charged. Out-of-pocket maximums and bad years use the family maximum (twice the individual amount for nearly every plan); deductibles are shown per person. How we calculate this
UnitedHealthcare plans in Tennessee
- Bronze $480–$659
- Silver $690–$859
- Gold $670–$829
| Plan | Network | Monthly | Deductible | Out-of-pocket max | Bad year | Details |
|---|---|---|---|---|---|---|
| Bronze 4 plans · $480–$659/mo | ||||||
| UHC Bronze Essential (No Referrals) | EPO | $480–$577in 95 counties | $10,600 | $10,600 | $16,362–$17,528 | Benefits summary Find doctors |
| UHC Bronze Standard (No Referrals) Expanded Bronze | EPO | $503–$605in 95 counties | $7,500 | $10,000 | $16,040–$17,263 | Benefits summary Find doctors |
| UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals) Expanded Bronze | EPO | $531–$638in 95 counties | $0 | $10,600 | $16,968–$18,257 | Benefits summary Find doctors |
| UHC Bronze Copay Focus + (Virtual Urgent Care, Dental + Vision, No Referrals) Expanded Bronze | EPO | $548–$659in 95 counties | $0 | $10,600 | $17,172–$18,503 | Benefits summary Find doctors |
| Silver 4 plans · $690–$859/mo | ||||||
| UHC Silver Standard (No Referrals) | EPO | $690–$829in 95 counties | $6,000 | $8,900 | $17,175–$18,851 | Benefits summary Find doctors |
| UHC Silver Advantage (Virtual Urgent Care, No Referrals) | EPO | $697–$839in 95 counties | $3,500 | $10,500 | $18,868–$20,562 | Benefits summary Find doctors |
| UHC Silver Copay Focus (Virtual Urgent Care, No Referrals) | EPO | $700–$842in 95 counties | $0 | $10,150 | $18,553–$20,255 | Benefits summary Find doctors |
| UHC Silver Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) | EPO | $714–$859in 95 counties | $3,500 | $10,500 | $19,072–$20,808 | Benefits summary Find doctors |
| Gold 4 plans · $670–$829/mo | ||||||
| UHC Gold Advantage (Virtual Urgent Care, No Referrals) | EPO | $670–$805in 95 counties | $2,000 | $8,500 | $16,538–$18,166 | Benefits summary Find doctors |
| UHC Gold Standard (No Referrals) | EPO | $674–$810in 95 counties | $2,000 | $8,200 | $16,282–$17,919 | Benefits summary Find doctors |
| UHC Gold Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) | EPO | $687–$826in 95 counties | $2,000 | $8,500 | $16,742–$18,411 | Benefits summary Find doctors |
| UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) | EPO | $690–$829in 95 counties | $0 | $8,500 | $16,778–$18,454 | Benefits summary Find doctors |
Each plan's price range runs across the counties where it is sold. Open a county for exact prices and to compare, save or check a plan.
Where UnitedHealthcare sells plans
| County | Plans | Price range | Typical Silver |
|---|---|---|---|
| Anderson County | 12 | $480–$714 | $699 |
| Bedford County | 12 | $573–$852 | $834 |
| Benton County | 12 | $573–$852 | $834 |
| Bledsoe County | 12 | $548–$816 | $798 |
| Blount County | 12 | $480–$714 | $699 |
| Bradley County | 12 | $548–$816 | $798 |
| Campbell County | 12 | $480–$714 | $699 |
| Cannon County | 12 | $576–$858 | $839 |
| Carroll County | 12 | $573–$852 | $834 |
| Carter County | 12 | $547–$814 | $796 |
| Cheatham County | 12 | $577–$859 | $840 |
| Chester County | 12 | $573–$852 | $834 |
| Claiborne County | 12 | $480–$714 | $699 |
| Clay County | 12 | $576–$858 | $839 |
| Cocke County | 12 | $480–$714 | $699 |
| Coffee County | 12 | $573–$852 | $834 |
| Crockett County | 12 | $573–$852 | $834 |
| Cumberland County | 12 | $576–$858 | $839 |
| Davidson County | 12 | $577–$859 | $840 |
| DeKalb County | 12 | $576–$858 | $839 |
| Decatur County | 12 | $573–$852 | $834 |
| Dickson County | 12 | $573–$852 | $834 |
| Dyer County | 12 | $573–$852 | $834 |
| Fayette County | 12 | $577–$859 | $840 |
| Fentress County | 12 | $576–$858 | $839 |
| Franklin County | 12 | $548–$816 | $798 |
| Gibson County | 12 | $573–$852 | $834 |
| Giles County | 12 | $573–$852 | $834 |
| Grainger County | 12 | $480–$714 | $699 |
| Greene County | 12 | $547–$814 | $796 |
| Grundy County | 12 | $548–$816 | $798 |
| Hamblen County | 12 | $480–$714 | $699 |
| Hamilton County | 12 | $548–$816 | $798 |
| Hancock County | 12 | $547–$814 | $796 |
| Hardeman County | 12 | $573–$852 | $834 |
| Hardin County | 12 | $573–$852 | $834 |
| Hawkins County | 12 | $547–$814 | $796 |
| Haywood County | 12 | $577–$859 | $840 |
| Henderson County | 12 | $573–$852 | $834 |
| Henry County | 12 | $573–$852 | $834 |
| Hickman County | 12 | $573–$852 | $834 |
| Houston County | 12 | $573–$852 | $834 |
| Humphreys County | 12 | $573–$852 | $834 |
| Jackson County | 12 | $576–$858 | $839 |
| Jefferson County | 12 | $480–$714 | $699 |
| Johnson County | 12 | $547–$814 | $796 |
| Knox County | 12 | $480–$714 | $699 |
| Lake County | 12 | $573–$852 | $834 |
| Lauderdale County | 12 | $577–$859 | $840 |
| Lawrence County | 12 | $573–$852 | $834 |
| Lewis County | 12 | $573–$852 | $834 |
| Lincoln County | 12 | $573–$852 | $834 |
| Loudon County | 12 | $480–$714 | $699 |
| Macon County | 12 | $576–$858 | $839 |
| Madison County | 12 | $573–$852 | $834 |
| Marion County | 12 | $548–$816 | $798 |
| Marshall County | 12 | $573–$852 | $834 |
| Maury County | 12 | $573–$852 | $834 |
| McMinn County | 12 | $548–$816 | $798 |
| McNairy County | 12 | $573–$852 | $834 |
| Meigs County | 12 | $548–$816 | $798 |
| Monroe County | 12 | $480–$714 | $699 |
| Montgomery County | 12 | $577–$859 | $840 |
| Moore County | 12 | $573–$852 | $834 |
| Morgan County | 12 | $480–$714 | $699 |
| Obion County | 12 | $573–$852 | $834 |
| Overton County | 12 | $576–$858 | $839 |
| Perry County | 12 | $573–$852 | $834 |
| Pickett County | 12 | $576–$858 | $839 |
| Polk County | 12 | $548–$816 | $798 |
| Putnam County | 12 | $576–$858 | $839 |
| Rhea County | 12 | $548–$816 | $798 |
| Roane County | 12 | $480–$714 | $699 |
| Robertson County | 12 | $577–$859 | $840 |
| Rutherford County | 12 | $577–$859 | $840 |
| Scott County | 12 | $480–$714 | $699 |
| Sequatchie County | 12 | $548–$816 | $798 |
| Sevier County | 12 | $480–$714 | $699 |
| Shelby County | 12 | $577–$859 | $840 |
| Smith County | 12 | $576–$858 | $839 |
| Stewart County | 12 | $573–$852 | $834 |
| Sullivan County | 12 | $547–$814 | $796 |
| Sumner County | 12 | $577–$859 | $840 |
| Tipton County | 12 | $577–$859 | $840 |
| Trousdale County | 12 | $577–$859 | $840 |
| Unicoi County | 12 | $547–$814 | $796 |
| Union County | 12 | $480–$714 | $699 |
| Van Buren County | 12 | $576–$858 | $839 |
| Warren County | 12 | $576–$858 | $839 |
| Washington County | 12 | $547–$814 | $796 |
| Wayne County | 12 | $573–$852 | $834 |
| Weakley County | 12 | $573–$852 | $834 |
| White County | 12 | $576–$858 | $839 |
| Williamson County | 12 | $577–$859 | $840 |
| Wilson County | 12 | $577–$859 | $840 |
Other insurers in Tennessee
- Alliant Health Plans Silver $731/mo
- Ambetter (Centene) Silver $748/mo
- Oscar Health Silver $750/mo
- Cigna Healthcare Silver $755/mo
- BlueCross BlueShield of Tennessee Silver $772/mo
All Tennessee prices · Sorted by typical Silver price.
Frequently asked questions
How much does UnitedHealthcare health insurance cost in Tennessee?
For plan year 2026, UnitedHealthcare marketplace plans in Tennessee cost $480 to $859 a month for one 40-year-old before tax credits (Catastrophic plans not counted). Typical (median) prices by metal level: Bronze $604, Silver $829, Gold $804. Prices depend on the county.
What is the cheapest UnitedHealthcare plan in Tennessee?
UHC Bronze Essential (No Referrals) (Bronze), from $480 a month for a 40-year-old before tax credits, in the county where it costs least.
Where does UnitedHealthcare sell marketplace plans in Tennessee?
In all 95 counties of Tennessee.
How do I buy a UnitedHealthcare plan in Tennessee?
On HealthCare.gov (https://www.healthcare.gov/see-plans/), the official marketplace for Tennessee, where you also apply for a tax credit. HealthCoveragePrices does not sell plans.