2026 plan year · Tennessee
2026 health insurance plans in Shelby County, TN
65 Marketplace plans from 5 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $654benchmark silver (age 40)
- $466cheapest bronze (age 40)
- 5insurers
- +35.5%benchmark change vs. 2025
Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| BlueCross B15E $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee · EPO | $364 | $466 | $989 | $10,600 | $10,600 | No Charge after Deductible |
| BlueCross B17E $0 virtual care from Teladoc Health® + Adult Dental BlueCross BlueShield of Tennessee · EPO | $375 | $479 | $1,018 | $10,600 | $10,600 | No Charge after Deductible |
| UHC Bronze Essential (No Referrals) UnitedHealthcare · EPO | $452 | $577 | $1,226 | $10,600 | $10,600 | No Charge after Deductible |
| Connect Bronze 7500 Indiv Med Deductible Cigna Healthcare · EPO | $466 | $596 | $1,265 | $7,500 | $10,150 | 50% Coinsurance after deductible |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Bronze Simple Oscar Insurance Company · EPO | $377 | $482 | $1,024 | $9,000 | $10,600 | 40% Coinsurance after deductible |
| Everyday Bronze Ambetter of Tennessee · EPO | $388 | $496 | $1,052 | $8,450 | $10,150 | $40 |
| BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee · EPO | $389 | $497 | $1,055 | $7,500 | $10,000 | $50 |
| Standard Expanded Bronze Ambetter of Tennessee · EPO | $389 | $497 | $1,056 | $7,500 | $10,000 | $50 |
| Bronze Classic Standard Oscar Insurance Company · EPO | $394 | $503 | $1,068 | $7,500 | $10,000 | $50 |
| Everyday Bronze + Vision + Adult Dental Ambetter of Tennessee · EPO | $398 | $509 | $1,081 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter of Tennessee · EPO | $400 | $511 | $1,085 | $7,500 | $10,000 | $50 |
| Bronze Simple Diabetes Oscar Insurance Company · EPO | $400 | $511 | $1,086 | $5,500 | $10,150 | $50 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company · EPO | $402 | $514 | $1,091 | $5,500 | $10,150 | $50 |
| Bronze Simple Chronic Care CKM Oscar Insurance Company · EPO | $408 | $521 | $1,107 | $5,500 | $10,150 | $50 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company · EPO | $432 | $552 | $1,173 | $0 | $9,900 | $40 |
| Elite Bronze Ambetter of Tennessee · EPO | $442 | $565 | $1,199 | $0 | $10,500 | $50 |
| BlueCross B16S $50 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee · EPO | $448 | $572 | $1,216 | $7,500 | $10,000 | $50 |
| Elite Bronze + Vision + Adult Dental Ambetter of Tennessee · EPO | $454 | $580 | $1,232 | $0 | $10,500 | $50 |
| BlueCross B19E $60 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee · EPO | $459 | $587 | $1,246 | $0 | $10,600 | $60 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare · EPO | $474 | $605 | $1,285 | $7,500 | $10,000 | $50 |
| Connect Bronze 8500 Indiv Med Deductible Cigna Healthcare · EPO | $479 | $613 | $1,301 | $8,500 | $10,150 | $10 |
| Connect Bronze CMS Standard Cigna Healthcare · EPO | $483 | $617 | $1,310 | $7,500 | $10,000 | $50 |
| Connect myDiabetesCare Bronze Cigna Healthcare · EPO | $495 | $632 | $1,342 | $3,500 | $10,150 | $30 |
| UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $499 | $638 | $1,355 | $0 | $10,600 | $25 |
| UHC Bronze Copay Focus + (Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $515 | $659 | $1,399 | $0 | $10,600 | $25 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Standard Silver Ambetter of Tennessee · EPO | $506 | $646 | $1,372 | $6,000 | $8,900 | $40 |
| BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee · EPO | $512 | $654 | $1,390 | $8,100 | $8,100 | $45 |
| Silver Classic Standard Oscar Insurance Company · EPO | $519 | $663 | $1,408 | $6,000 | $8,900 | $40 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter of Tennessee · EPO | $519 | $663 | $1,408 | $5,000 | $8,650 | $30 |
| Standard Silver + Vision + Adult Dental Ambetter of Tennessee · EPO | $519 | $664 | $1,410 | $6,000 | $8,900 | $40 |
| Silver Simple PCP Saver Oscar Insurance Company · EPO | $520 | $664 | $1,411 | $5,700 | $10,000 | $5 |
| Silver Simple Diabetes Oscar Insurance Company · EPO | $520 | $665 | $1,412 | $6,500 | $10,000 | No Charge |
| Silver Simple Women's Health with Menopause Benefits Oscar Insurance Company · EPO | $521 | $666 | $1,413 | $6,000 | $10,150 | No Charge |
| Silver Simple Chronic Care CKM Oscar Insurance Company · EPO | $522 | $667 | $1,416 | $5,900 | $10,150 | No Charge |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company · EPO | $522 | $667 | $1,417 | $6,200 | $9,600 | No Charge |
| BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee · EPO | $523 | $669 | $1,421 | $6,000 | $8,900 | $40 |
| Silver Classic Oscar Insurance Company · EPO | $524 | $670 | $1,423 | $6,500 | $9,400 | $40 |
| BlueCross S27E $60 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee · EPO | $525 | $671 | $1,425 | $5,900 | $6,900 | $60 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of Tennessee · EPO | $533 | $681 | $1,447 | $5,000 | $8,650 | $30 |
| BlueCross S29E $60 PCP Copay + $0 virtual care from Teladoc Health® + Adult Dental BlueCross BlueShield of Tennessee · EPO | $542 | $692 | $1,470 | $5,900 | $6,900 | $60 |
| BlueCross S26S $40 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee · EPO | $603 | $771 | $1,636 | $6,000 | $8,900 | $40 |
| Connect Silver 4500 Indiv Med Deductible Cigna Healthcare · EPO | $611 | $780 | $1,657 | $4,500 | $9,525 | $15 |
| Connect Silver CMS Standard Cigna Healthcare · EPO | $612 | $782 | $1,662 | $6,000 | $8,900 | $40 |
| Connect Silver 3000 Indiv Med Deductible Cigna Healthcare · EPO | $614 | $784 | $1,665 | $3,000 | $10,150 | $5 |
| Connect myDiabetesCare Silver Cigna Healthcare · EPO | $616 | $787 | $1,672 | $2,500 | $10,000 | $5 |
| UHC Silver Standard (No Referrals) UnitedHealthcare · EPO | $649 | $829 | $1,761 | $6,000 | $8,900 | $40 |
| UHC Silver Advantage (Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $656 | $839 | $1,781 | $3,500 | $10,500 | $20 |
| UHC Silver Copay Focus (Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $659 | $842 | $1,788 | $0 | $10,150 | $15 |
| UHC Silver Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $672 | $859 | $1,824 | $3,500 | $10,500 | $20 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Gold Classic Standard Oscar Insurance Company · EPO | $498 | $636 | $1,351 | $2,000 | $8,200 | $30 |
| Standard Gold Ambetter of Tennessee · EPO | $516 | $659 | $1,399 | $2,000 | $8,200 | $30 |
| Gold Elite Oscar Insurance Company · EPO | $520 | $664 | $1,411 | $500 | $7,000 | $15 |
| Everyday Gold Ambetter of Tennessee · EPO | $523 | $668 | $1,419 | $800 | $7,250 | $35 |
| Standard Gold + Vision + Adult Dental Ambetter of Tennessee · EPO | $530 | $677 | $1,438 | $2,000 | $8,200 | $30 |
| Everyday Gold + Vision + Adult Dental Ambetter of Tennessee · EPO | $537 | $686 | $1,458 | $800 | $7,250 | $35 |
| BlueCross G08E $30 PCP Copay + $0 virtual care from Teladoc Health ® BlueCross BlueShield of Tennessee · EPO | $547 | $699 | $1,484 | $2,000 | $8,200 | $30 |
| Elite Gold Ambetter of Tennessee · EPO | $585 | $748 | $1,588 | $0 | $6,500 | $5 |
| Elite Gold + Vision + Adult Dental Ambetter of Tennessee · EPO | $601 | $769 | $1,632 | $0 | $6,500 | $5 |
| Connect Gold CMS Standard Cigna Healthcare · EPO | $619 | $791 | $1,681 | $2,000 | $8,200 | $30 |
| Connect Gold 1500 Indiv Med Deductible Cigna Healthcare · EPO | $623 | $796 | $1,690 | $1,500 | $7,400 | $15 |
| BlueCross G08S $30 PCP Copay + $0 virtual care from Teladoc Health ® BlueCross BlueShield of Tennessee · EPO | $630 | $805 | $1,709 | $2,000 | $8,200 | $30 |
| UHC Gold Advantage (Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $630 | $805 | $1,711 | $2,000 | $8,500 | $10 |
| UHC Gold Standard (No Referrals) UnitedHealthcare · EPO | $634 | $810 | $1,720 | $2,000 | $8,200 | $30 |
| UHC Gold Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $646 | $826 | $1,754 | $2,000 | $8,500 | $10 |
| UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $649 | $829 | $1,762 | $0 | $8,500 | $10 |
Care quality in Shelby County
Marketplace plans use networks. Check that the hospitals and doctors you'd want are in network, and how they're rated.
Turning 65?
Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Shelby County.
Frequently asked questions
How many Marketplace health plans are available in Shelby County, TN for 2026?
65 plans from 5 insurers: Ambetter of Tennessee, BlueCross BlueShield of Tennessee, Cigna Healthcare, Oscar Insurance Company, UnitedHealthcare.
What is the benchmark silver plan premium in Shelby County, TN?
For 2026, the second-lowest-cost silver plan costs $654 a month for a 40-year-old before tax credits, up 35.5% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Shelby County, TN?
The lowest bronze premium for a 40-year-old is $466 a month before tax credits. Bronze plans have low premiums but high deductibles.