Health Insurance in Upper Cumberland — Cookeville Area, TN — 2026 Plans & Premiums
40 ACA marketplace plans are available in Upper Cumberland — Cookeville Area, TN, from 3 insurers. The cheapest plan starts at $490.69/month before subsidies.
Insurers price these 14 counties identically, so plan availability and premiums below apply to all of them:
- Cannon County
- Clay County
- Cumberland County
- DeKalb County
- Fentress County
- Jackson County
- Macon County
- Overton County
- Pickett County
- Putnam County
- Smith County
- Van Buren County
- Warren County
- White County
40
Plans Available
$490.69
Cheapest Plan/mo
3
Insurers
HealthCare.gov
Exchange
Insurers Serving Upper Cumberland — Cookeville Area
Plans Available in Upper Cumberland — Cookeville Area
Sorted by monthly premium · 30-year-old · Before subsidies
BlueCross B15E $0 virtual care from Teladoc Health®
BlueCross BlueShield of Tennessee
$490.69/mo
Ded: $10,600
BlueCross B17E $0 virtual care from Teladoc Health® + Adult Dental
BlueCross BlueShield of Tennessee
$505.20/mo
Ded: $10,600
UHC Bronze Essential (No Referrals)
UnitedHealthcare
$511.96/mo
Ded: $10,600
BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health®
BlueCross BlueShield of Tennessee
$523.68/mo
Ded: $7,500
UHC Bronze Standard (No Referrals)
UnitedHealthcare
$536.70/mo
Ded: $7,500
Everyday Bronze
Ambetter of Tennessee
$542.27/mo
Ded: $8,450
Standard Expanded Bronze
Ambetter of Tennessee
$544.23/mo
Ded: $7,500
BlueCross B16S $50 PCP Copay + $0 virtual care from Teladoc Health®
BlueCross BlueShield of Tennessee
$549.51/mo
Ded: $7,500
Average Premiums in Upper Cumberland — Cookeville Area
Avg Bronze Plan
$556/mo
15 plans
Avg Silver (Subsidy Benchmark)
$728/mo
Eligible for CSR cost reductions
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Compare plansFrequently asked questions about ACA insurance in Tennessee
Which counties does this Tennessee health insurance page cover?
This page covers 14 Tennessee counties: Cannon County, Clay County, Cumberland County, DeKalb County, Fentress County, Jackson County, Macon County, Overton County, Pickett County, Putnam County, Smith County, Van Buren County, Warren County, White County. Insurers offer the same plans at the same premiums across all of them, so the 40 plans and $490.69/month starting price shown here apply to every one.
What is the health insurance marketplace in Tennessee?
The Tennessee (TN) health insurance marketplace is the federal ACA Marketplace at HealthCare.gov, operated by the federal government. Policymage lists 40 Tennessee plans with live marketplace premium data. Open Enrollment runs November 1 through January 15.
How do I compare health insurance plans in Tennessee?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 3 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Tennessee start from $490.69/month before subsidies.
Which Medicaid plan is best in Tennessee?
Tennessee has not expanded Medicaid, creating a coverage gap for adults below 100% FPL. Tennessee Medicaid still covers eligible children, pregnant women, parents, and people with disabilities. For ACA Marketplace plans with subsidies, shop at HealthCare.gov during Open Enrollment.
Is short-term health insurance available in Tennessee?
Short-term health insurance is sold outside the ACA Marketplace in Tennessee by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at HealthCare.gov during Open Enrollment (Nov 1–January 15). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in TN?
Health insurance in TN starts as low as $490.69/month for a 30-year-old on a Bronze plan before subsidies. Most Tennessee residents who qualify for APTC pay significantly less — some as low as $0/month for a Silver plan.
What is the cheapest health insurance option in TN for 2026?
The cheapest ACA option in TN for 2026 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan — both carry the lowest monthly premium in exchange for a higher deductible. Compare exact Tennessee plans and prices at policymage.com/get-quotes.
When does Open Enrollment end in Tennessee for ACA plans?
Open Enrollment for Tennessee residents runs from November 1 through January 15. Tennessee uses the federal Marketplace at HealthCare.gov, which has a January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does ACA health insurance cost in Tennessee?
Bronze-tier plans in Tennessee start as low as $490.69/month for a 30-year-old before subsidies. With APTC tax credits, many Tennessee residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does Tennessee use HealthCare.gov or its own state exchange?
Tennessee uses the federal Health Insurance Marketplace at HealthCare.gov. The federal government (CMS) operates the exchange, processes applications, and calculates subsidies for Tennessee residents.
Has Tennessee expanded Medicaid under the ACA?
No. Tennessee has not expanded Medicaid, which creates a "coverage gap" for adults earning less than 100% of the Federal Poverty Level — they typically don't qualify for Medicaid OR Marketplace tax credits. Tennessee Medicaid still covers low-income children, pregnant women, parents, people with disabilities, and seniors needing long-term care.
What are the income limits for ACA subsidies in Tennessee?
Premium Tax Credit eligibility starts at 100% of the Federal Poverty Level — about $15,650/year for an individual or $32,300/year for a family of 4. Tennessee residents above 400% FPL still qualify if benchmark Silver costs more than 8.5% of their income. Use the HealthCare.gov subsidy calculator for your exact estimate.
What are the metal tiers in Tennessee (Bronze, Silver, Gold, Platinum)?
Tennessee ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in Tennessee?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in Tennessee through HealthCare.gov. For 2026, HDHPs must have a deductible of at least $1,650 (individual) or $3,300 (family), and you can contribute up to $4,300 (individual) or $8,550 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do Tennessee ACA plans cover dental and vision?
Tennessee ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits — but adult dental and vision are not federally required. Most Tennessee plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through HealthCare.gov or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in Tennessee?
Outside Open Enrollment, Tennessee residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through HealthCare.gov.
How do I find in-network doctors and hospitals in Tennessee?
Each Tennessee ACA plan has its own provider network. Before enrolling, look up the plan on HealthCare.gov, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). If you have an existing provider relationship, network match is usually more important than the lowest premium.
Find the Right Plan in Upper Cumberland — Cookeville Area
Enter your ZIP code, age, and income to see all plans available to you — with your actual subsidy applied, or see how Upper Cumberland — Cookeville Area compares to the Tennessee state average.
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