2026 plan year · Tennessee
2026 health insurance plans in Smith County, TN
40 Marketplace plans from 3 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $794benchmark silver (age 40)
- $553cheapest bronze (age 40)
- 3insurers
- +40.9%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 | $432 | $553 | $1,173 | $10,600 | $10,600 | No Charge after Deductible |
| BlueCross B17E $0 virtual care from Teladoc Health® + Adult Dental BlueCross BlueShield of Tennessee · EPO | $445 | $569 | $1,208 | $10,600 | $10,600 | No Charge after Deductible |
| UHC Bronze Essential (No Referrals) UnitedHealthcare · EPO | $451 | $576 | $1,224 | $10,600 | $10,600 | No Charge after Deductible |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee · EPO | $461 | $590 | $1,252 | $7,500 | $10,000 | $50 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare · EPO | $473 | $604 | $1,283 | $7,500 | $10,000 | $50 |
| Everyday Bronze Ambetter of Tennessee · EPO | $478 | $611 | $1,297 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze Ambetter of Tennessee · EPO | $480 | $613 | $1,301 | $7,500 | $10,000 | $50 |
| BlueCross B16S $50 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee · EPO | $484 | $619 | $1,314 | $7,500 | $10,000 | $50 |
| Everyday Bronze + Vision + Adult Dental Ambetter of Tennessee · EPO | $491 | $627 | $1,332 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter of Tennessee · EPO | $493 | $630 | $1,337 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $499 | $637 | $1,353 | $0 | $10,600 | $25 |
| UHC Bronze Copay Focus + (Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $515 | $658 | $1,396 | $0 | $10,600 | $25 |
| Elite Bronze Ambetter of Tennessee · EPO | $544 | $696 | $1,477 | $0 | $10,500 | $50 |
| BlueCross B19E $60 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee · EPO | $545 | $696 | $1,478 | $0 | $10,600 | $60 |
| Elite Bronze + Vision + Adult Dental Ambetter of Tennessee · EPO | $559 | $715 | $1,518 | $0 | $10,500 | $50 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee · EPO | $608 | $776 | $1,649 | $8,100 | $8,100 | $45 |
| BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee · EPO | $621 | $794 | $1,686 | $6,000 | $8,900 | $40 |
| Standard Silver Ambetter of Tennessee · EPO | $623 | $796 | $1,690 | $6,000 | $8,900 | $40 |
| BlueCross S27E $60 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee · EPO | $623 | $796 | $1,691 | $5,900 | $6,900 | $60 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter of Tennessee · EPO | $639 | $817 | $1,735 | $5,000 | $8,650 | $30 |
| Standard Silver + Vision + Adult Dental Ambetter of Tennessee · EPO | $640 | $818 | $1,737 | $6,000 | $8,900 | $40 |
| BlueCross S29E $60 PCP Copay + $0 virtual care from Teladoc Health® + Adult Dental BlueCross BlueShield of Tennessee · EPO | $643 | $821 | $1,744 | $5,900 | $6,900 | $60 |
| UHC Silver Standard (No Referrals) UnitedHealthcare · EPO | $648 | $828 | $1,758 | $6,000 | $8,900 | $40 |
| BlueCross S26S $40 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee · EPO | $652 | $833 | $1,769 | $6,000 | $8,900 | $40 |
| UHC Silver Advantage (Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $655 | $837 | $1,778 | $3,500 | $10,500 | $20 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of Tennessee · EPO | $657 | $839 | $1,782 | $5,000 | $8,650 | $30 |
| UHC Silver Copay Focus (Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $658 | $841 | $1,785 | $0 | $10,150 | $15 |
| UHC Silver Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $671 | $858 | $1,821 | $3,500 | $10,500 | $20 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| UHC Gold Advantage (Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $629 | $804 | $1,708 | $2,000 | $8,500 | $10 |
| UHC Gold Standard (No Referrals) UnitedHealthcare · EPO | $633 | $809 | $1,717 | $2,000 | $8,200 | $30 |
| Standard Gold Ambetter of Tennessee · EPO | $635 | $812 | $1,724 | $2,000 | $8,200 | $30 |
| Everyday Gold Ambetter of Tennessee · EPO | $644 | $823 | $1,748 | $800 | $7,250 | $35 |
| UHC Gold Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $645 | $825 | $1,751 | $2,000 | $8,500 | $10 |
| UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $648 | $828 | $1,759 | $0 | $8,500 | $10 |
| BlueCross G08E $30 PCP Copay + $0 virtual care from Teladoc Health ® BlueCross BlueShield of Tennessee · EPO | $649 | $829 | $1,761 | $2,000 | $8,200 | $30 |
| Standard Gold + Vision + Adult Dental Ambetter of Tennessee · EPO | $653 | $834 | $1,771 | $2,000 | $8,200 | $30 |
| Everyday Gold + Vision + Adult Dental Ambetter of Tennessee · EPO | $662 | $846 | $1,796 | $800 | $7,250 | $35 |
| BlueCross G08S $30 PCP Copay + $0 virtual care from Teladoc Health ® BlueCross BlueShield of Tennessee · EPO | $681 | $870 | $1,848 | $2,000 | $8,200 | $30 |
| Elite Gold Ambetter of Tennessee · EPO | $721 | $922 | $1,957 | $0 | $6,500 | $5 |
| Elite Gold + Vision + Adult Dental Ambetter of Tennessee · EPO | $741 | $947 | $2,011 | $0 | $6,500 | $5 |
Care quality in Smith 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 Smith County.
Frequently asked questions
How many Marketplace health plans are available in Smith County, TN for 2026?
40 plans from 3 insurers: Ambetter of Tennessee, BlueCross BlueShield of Tennessee, UnitedHealthcare.
What is the benchmark silver plan premium in Smith County, TN?
For 2026, the second-lowest-cost silver plan costs $794 a month for a 40-year-old before tax credits, up 40.9% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Smith County, TN?
The lowest bronze premium for a 40-year-old is $553 a month before tax credits. Bronze plans have low premiums but high deductibles.