Health insurance prices in Rutherford County, TN (2026)
65 marketplace plans from 5 insurers. Cheapest plan $546/mo; typical Silver $826/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 4.
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.
Compare options
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 $546–$744 (typical $617) · Silver $751–$1,001 (typical $826) · Gold $721–$1,046 (typical $827)
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 |
|---|---|---|---|---|---|---|---|
| Oscar Health | 15 | $546 | $581 | $754 | $737 | Bronze Simple | |
| Ambetter (Centene) | 16 | $598 | $616 | $801 | $823 | Everyday Bronze | |
| BlueCross BlueShield of TennesseeIndependent Blue Cross Blue Shield company | 12 | $582 | $621 | $839 | $960 | BlueCross B15E $0 virtual care from Teladoc Health® | |
| UnitedHealthcareUnitedHealth Group | 12 | $577 | $622 | $840 | $818 | UHC Bronze Essential (No Referrals) | |
| Cigna HealthcareCigna Group | 10 | $644 | $665 | $847 | $858 | Connect Bronze 7500 Indiv Med Deductible |
All 65 plans in Rutherford County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Oscar Health | Bronze Simple | Expanded Bronze | EPO | $546 | $9,000 | $10,600 | $17,152 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | EPO | $570 | $7,500 | $10,000 | $16,837 | |
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | EPO | $577 | $10,600 | $10,600 | $17,527 | |
| Oscar Health | Bronze Simple Diabetes | Expanded Bronze | EPO | $579 | $5,500 | $10,150 | $17,101 | |
| Oscar Health | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Expanded Bronze | EPO | $582 | $5,500 | $10,150 | $17,135 | |
| BlueCross BlueShield of Tennessee | BlueCross B15E $0 virtual care from Teladoc Health® | Bronze | EPO | $582 | $10,600 | $10,600 | $17,586 | |
| Oscar Health | Bronze Simple Chronic Care CKM | Expanded Bronze | EPO | $590 | $5,500 | $10,150 | $17,234 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | EPO | $598 | $8,450 | $10,150 | $17,331 | |
| BlueCross BlueShield of Tennessee | BlueCross B17E $0 virtual care from Teladoc Health® + Adult Dental | Bronze | EPO | $599 | $10,600 | $10,600 | $17,793 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | EPO | $601 | $7,500 | $10,000 | $17,207 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | EPO | $605 | $7,500 | $10,000 | $17,261 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $615 | $8,450 | $10,150 | $17,528 | |
| Ambetter (Centene) | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $617 | $7,500 | $10,000 | $17,405 | |
| BlueCross BlueShield of Tennessee | BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® | Expanded Bronze | EPO | $621 | $7,500 | $10,000 | $17,456 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | EPO | $626 | $0 | $9,900 | $17,407 | |
| UnitedHealthcare | UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals) | Expanded Bronze | EPO | $638 | $0 | $10,600 | $18,255 | |
| Cigna Healthcare | Connect Bronze 7500 Indiv Med Deductible | Bronze | EPO | $644 | $7,500 | $10,150 | $17,884 | |
| UnitedHealthcare | UHC Bronze Copay Focus + (Virtual Urgent Care, Dental + Vision, No Referrals) | Expanded Bronze | EPO | $658 | $0 | $10,600 | $18,501 | |
| Cigna Healthcare | Connect Bronze 8500 Indiv Med Deductible | Expanded Bronze | EPO | $663 | $8,500 | $10,150 | $18,103 | |
| Cigna Healthcare | Connect Bronze CMS Standard | Expanded Bronze | EPO | $667 | $7,500 | $10,000 | $18,006 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | EPO | $682 | $0 | $10,500 | $18,680 | |
| Cigna Healthcare | Connect myDiabetesCare Bronze | Expanded Bronze | EPO | $684 | $3,500 | $10,150 | $18,355 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $700 | $0 | $10,500 | $18,906 | |
| Oscar Health | Gold Classic Standard | Gold | EPO | $721 | $2,000 | $8,200 | $16,848 | |
| BlueCross BlueShield of Tennessee | BlueCross B19E $60 PCP Copay + $0 virtual care from Teladoc Health® | Expanded Bronze | EPO | $733 | $0 | $10,600 | $19,401 | |
| BlueCross BlueShield of Tennessee | BlueCross B16S $50 PCP Copay + $0 virtual care from Teladoc Health® | Expanded Bronze | EPO | $744 | $7,500 | $10,000 | $18,924 | |
| Oscar Health | Silver Classic Standard | Silver | EPO | $751 | $6,000 | $8,900 | $17,909 | |
| Oscar Health | Gold Elite | Gold | EPO | $752 | $500 | $7,000 | $16,029 | |
| Oscar Health | Silver Simple PCP Saver | Silver | EPO | $752 | $5,700 | $10,000 | $19,030 | |
| Oscar Health | Silver Simple Diabetes | Silver | EPO | $753 | $6,500 | $10,000 | $19,039 | |
| Oscar Health | Silver Simple Women's Health with Menopause Benefits | Silver | EPO | $754 | $6,000 | $10,150 | $19,196 | |
| Oscar Health | Silver Simple Chronic Care CKM | Silver | EPO | $755 | $5,900 | $10,150 | $19,211 | |
| Oscar Health | Silver Simple Breathe Easy with Enhanced COPD Benefits | Silver | EPO | $756 | $6,200 | $9,600 | $18,668 | |
| Oscar Health | Silver Classic | Silver | EPO | $759 | $6,500 | $9,400 | $18,505 | |
| Ambetter (Centene) | Standard Silver | Silver | EPO | $780 | $6,000 | $8,900 | $18,262 | |
| Ambetter (Centene) | Standard Gold | Gold | EPO | $795 | $2,000 | $8,200 | $17,746 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | EPO | $800 | $5,000 | $8,650 | $18,256 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | EPO | $802 | $6,000 | $8,900 | $18,519 | |
| UnitedHealthcare | UHC Gold Advantage (Virtual Urgent Care, No Referrals) | Gold | EPO | $805 | $2,000 | $8,500 | $18,163 | |
| Ambetter (Centene) | Everyday Gold | Gold | EPO | $807 | $800 | $7,250 | $16,930 | |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | EPO | $810 | $2,000 | $8,200 | $17,916 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | EPO | $817 | $2,000 | $8,200 | $18,008 | |
| BlueCross BlueShield of Tennessee | BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® | Silver | EPO | $818 | $8,100 | $8,100 | $17,917 | |
| Ambetter (Centene) | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | EPO | $822 | $5,000 | $8,650 | $18,520 | |
| UnitedHealthcare | UHC Gold Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) | Gold | EPO | $826 | $2,000 | $8,500 | $18,409 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | EPO | $829 | $800 | $7,250 | $17,196 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | EPO | $829 | $6,000 | $8,900 | $18,848 | |
| UnitedHealthcare | UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) | Gold | EPO | $829 | $0 | $8,500 | $18,451 | |
| BlueCross BlueShield of Tennessee | BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® | Silver | EPO | $836 | $6,000 | $8,900 | $18,937 | |
| UnitedHealthcare | UHC Silver Advantage (Virtual Urgent Care, No Referrals) | Silver | EPO | $838 | $3,500 | $10,500 | $20,560 | |
| BlueCross BlueShield of Tennessee | BlueCross S27E $60 PCP Copay + $0 virtual care from Teladoc Health® | Silver | EPO | $839 | $5,900 | $6,900 | $16,966 | |
| UnitedHealthcare | UHC Silver Copay Focus (Virtual Urgent Care, No Referrals) | Silver | EPO | $842 | $0 | $10,150 | $20,252 | |
| Cigna Healthcare | Connect Silver 4500 Indiv Med Deductible | Silver | EPO | $844 | $4,500 | $9,525 | $19,655 | |
| Cigna Healthcare | Connect Silver CMS Standard | Silver | EPO | $846 | $6,000 | $8,900 | $19,057 | |
| Cigna Healthcare | Connect Silver 3000 Indiv Med Deductible | Silver | EPO | $848 | $3,000 | $10,150 | $20,328 | |
| Cigna Healthcare | Connect myDiabetesCare Silver | Silver | EPO | $852 | $2,500 | $10,000 | $20,221 | |
| Cigna Healthcare | Connect Gold CMS Standard | Gold | EPO | $856 | $2,000 | $8,200 | $18,472 | |
| UnitedHealthcare | UHC Silver Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | EPO | $859 | $3,500 | $10,500 | $20,805 | |
| Cigna Healthcare | Connect Gold 1500 Indiv Med Deductible | Gold | EPO | $861 | $1,500 | $7,400 | $17,727 | |
| BlueCross BlueShield of Tennessee | BlueCross S29E $60 PCP Copay + $0 virtual care from Teladoc Health® + Adult Dental | Silver | EPO | $865 | $5,900 | $6,900 | $17,283 | |
| BlueCross BlueShield of Tennessee | BlueCross G08E $30 PCP Copay + $0 virtual care from Teladoc Health ® | Gold | EPO | $874 | $2,000 | $8,200 | $18,684 | |
| Ambetter (Centene) | Elite Gold | Gold | EPO | $903 | $0 | $6,500 | $17,338 | |
| Ambetter (Centene) | Elite Gold + Vision + Adult Dental | Gold | EPO | $928 | $0 | $6,500 | $17,636 | |
| BlueCross BlueShield of Tennessee | BlueCross S26S $40 PCP Copay + $0 virtual care from Teladoc Health® | Silver | EPO | $1,001 | $6,000 | $8,900 | $20,914 | |
| BlueCross BlueShield of Tennessee | BlueCross G08S $30 PCP Copay + $0 virtual care from Teladoc Health ® | Gold | EPO | $1,046 | $2,000 | $8,200 | $20,749 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $546 | $617 | $744 | 25 | $7,500 | $10,150 | $17,528 |
| Silver | $751 | $826 | $1,001 | 24 | $5,950 | $9,150 | $18,983 |
| Gold | $721 | $827 | $1,046 | 16 | $2,000 | $8,200 | $17,831 |
* 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.