Health Insurance Plans in Tennessee
Browse ACA Marketplace plans available to Tennessee residents on the federal exchange. 65 plans available for 2026. Starting from $485/month.
Lowest Monthly Premium
$485/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$559/mo
25 plans available
Avg Silver (Benchmark)
$725/mo
Basis for APTC subsidy calculation
Plans by Metal Tier
Average premiums for a 30-year-old individual in Nashville, TN
Lowest monthly premium, highest cost-sharing. Best if you're healthy and rarely use care.
$559/mo avg
from $485 – $660
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$725/mo avg
from $667 – $889
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$747/mo avg
from $640 – $929
Lowest-Premium Plans Available
Sample plans near Nashville — enter your ZIP for exact results
Bronze Simple
Oscar Insurance Company
$485/mo
Ded: $9,000
Bronze Classic Standard
Oscar Insurance Company
$506/mo
Ded: $7,500
UHC Bronze Essential (No Referrals)
UnitedHealthcare
$513/mo
Ded: $10,600
Bronze Simple Diabetes
Oscar Insurance Company
$514/mo
Ded: $5,500
Bronze Simple Breathe Easy with Enhanced COPD Benefits
Oscar Insurance Company
$517/mo
Ded: $5,500
BlueCross B15E $0 virtual care from Teladoc Health®
BlueCross BlueShield of Tennessee
$517/mo
Ded: $10,600
Bronze Simple Chronic Care CKM
Oscar Insurance Company
$524/mo
Ded: $5,500
Everyday Bronze
Ambetter of Tennessee
$531/mo
Ded: $8,450
BlueCross B17E $0 virtual care from Teladoc Health® + Adult Dental
BlueCross BlueShield of Tennessee
$532/mo
Ded: $10,600
Standard Expanded Bronze
Ambetter of Tennessee
$533/mo
Ded: $7,500
Prices shown are for a 30-year-old near Nashville without subsidies. Your actual premium depends on your age, ZIP code, household size, and income.Get your personalized price →
Frequently Asked Questions
How many ACA plans are available in Tennessee?
Approximately 65 ACA Marketplace plans are available in Tennessee for 2026. The exact count varies by county — some areas have more insurer competition than others.
What is the cheapest health insurance plan in Tennessee?
For a 30-year-old without subsidies, the cheapest plan near Nashville starts at about $485/month. Bronze plans have the lowest premiums. If your income qualifies for the Advance Premium Tax Credit (APTC), you could pay significantly less — or nothing at all.
Does Tennessee use HealthCare.gov?
Yes — Tennessee is a federal marketplace state, so residents shop for ACA plans at HealthCare.gov. Policymage uses the same underlying federal marketplace data to let you compare plans before enrolling.
What is the Silver benchmark plan and why does it matter?
The Silver benchmark plan in Tennessee averages $725/month. This benchmark is used by the federal government to calculate your APTC subsidy amount — it's the second-lowest-cost Silver plan in your county. Even if you choose a Bronze or Gold plan, your subsidy is based on the Silver benchmark.
Find Plans in Tennessee
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.
More Tennessee guides
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