Tennessee Marketplace Plans 2027: How to Choose | Thrive

Tennessee · Open enrollment Nov 1 – Jan 15

Tennessee Marketplace Health Insurance: How to Choose a 2027 Plan

Updated October 7, 2026

Open enrollment for 2027 runs November 1, 2026 to January 15, 2027 on HealthCare.gov.

Tennessee had 6 Marketplace insurers and 158 plans for 2026. How many you can choose from depends on your county.

Prices are going up for 2027. Tennessee insurers filed increases of about 10% to 29% before tax credits. Compare again even if you like your plan.

Find my Tennessee planFree. See your price after tax credits.

What's different in Tennessee for 2027

  1. Cigna ends individual medical plans on December 31, 2026. Five insurers remain for 2027: BlueCross, Ambetter, Oscar, UnitedHealthcare and Alliant.

  2. Filed average increases run from 10.4% at BlueCross to 28.7% at UnitedHealthcare, before tax credits. Your net change depends on your tax credit.

  3. The extra tax credits ended after 2025. If your income is above 400% of the federal poverty level, you generally pay the plan's full price.

  4. BlueCross Network E and UnitedHealthcare's exchange plans exclude most Vanderbilt locations except Clarksville. Confirm your hospital before you pick on price.

Nashville skyline with the Batman Building reflected in the Cumberland River under a clear blue sky

Which metal level fits how you use care?

Metal levels set how you and the plan share costs. The network, not the metal level, decides which doctors you can see.

  1. Lowest monthly price, from $466 at age 40 before tax credits. You pay more when you get care: the typical deductible is $7,500. 1 Bronze plans work with a health savings account (HSA).

  2. Only Silver plans get extra savings on deductibles and copays for lower incomes. If you qualify, Silver can cost less to use than Gold. From $646 at age 40; typical deductible $6,000 before those savings.

  3. Higher monthly price, from $636 at age 40, but a much lower typical deductible of $2,000. Often the better deal with several visits, a planned procedure or ongoing prescriptions.

Tennessee 2026 plans. Monthly premium for one person before tax credits, in the lowest-priced area of the state. Deductibles are for one person, in network. Also available: 0 catastrophic plans for people under 30.
MetalPlansFrom, age 40Typical deductibleDeductible range
BronzePlans63From, age 40$466Typical deductible$7,500Deductible range$0–$10,600
SilverPlans62From, age 40$646Typical deductible$6,000Deductible range$0–$8,100
GoldPlans32From, age 40$636Typical deductible$2,000Deductible range$0–$2,000
PlatinumPlans1From, age 40$859Typical deductible$0Deductible range$0–$0

Which insurers sell in Tennessee?

Not every insurer sells in every county. Your ZIP code decides your choices.

2026 plans. Lowest monthly premium before tax credits, any metal level except catastrophic. CMS rating is the Marketplace Quality Rating System overall score. 2027 change is each insurer's average as proposed. Final 2027 rates are published when open enrollment starts. Cigna leaves after 2026. CMS still shows 2027 filings as Pending Review, so rate changes are labeled proposed.
InsurerCounties (2026)Plans (2026)Plan typesFrom (age 40)CMS rating (2026)2027 change
BlueCrossCounties (2026)95 of 95Plans (2026)96Plan typesEPOFrom (age 40)$466CMS rating (2026)4 of 52027 change+10.36% proposed
AmbetterCounties (2026)95 of 95Plans (2026)16Plan typesEPOFrom (age 40)$496CMS rating (2026)3 of 52027 change+11.01% proposed
OscarCounties (2026)46 of 95Plans (2026)15Plan typesEPOFrom (age 40)$482CMS rating (2026)3 of 52027 change+18.72% proposed
UnitedHealthcareCounties (2026)95 of 95Plans (2026)12Plan typesEPOFrom (age 40)$480CMS rating (2026)2 of 52027 change+28.68% proposed
CignaCounties (2026)65 of 95Plans (2026)10Plan typesEPOFrom (age 40)$547CMS rating (2026)4 of 52027 changeLeaving after 2026
AlliantCounties (2026)11 of 95Plans (2026)9Plan typesEPOFrom (age 40)$482CMS rating (2026)Not yet rated2027 change+23.31% proposed

What would you pay after tax credits?

Answer a few questions about your household and your care. See plans for your county, check your doctors and prescriptions, and get a recommendation.

Find my Tennessee plan

Tennessee Marketplace questions

  1. Enroll by December 15 for coverage that starts January 1; the last day to sign up is January 15. Outside open enrollment you need a qualifying life event, such as losing other coverage, moving, marrying or having a baby.

  2. Not necessarily. The prices on this page are before tax credits. Tax credits depend on your household size and income, and they can lower the monthly premium a lot. The plan finder estimates your price after tax credits.

  3. 158 of Tennessee's 158 plans for 2026 are HMOs or EPOs, which only pay for in-network care except emergencies. Check that your doctors and hospital are in the plan's network before you enroll.

  4. Compare before you let it renew. Tennessee insurers filed 2027 increases of about 10% to 29% before tax credits, and your plan or its network may change. Your new tax credit can change too.

  5. Tennessee hasn't expanded Medicaid. Parents and caretaker relatives may qualify for TennCare with income up to about 100% of the poverty level. Adults without dependent children generally can't get TennCare. Apply at tenncareconnect.tn.gov or through HealthCare.gov.

  6. On HealthCare.gov, through an approved insurer or broker website, or with a licensed agent. The plans and prices are the same everywhere you enroll.

  7. Your Cigna medical coverage ends December 31, 2026. Shop on HealthCare.gov starting November 1 and enroll by December 15 for January 1 coverage so you don't have a gap.

  8. Tennessee Marketplace plans are EPOs. Ambetter, Oscar, UnitedHealthcare and Alliant say you don't need referrals. Confirm the rule on the plan summary before you enroll.

  9. Update your HealthCare.gov application when income changes. Starting with 2026 tax returns, there is no cap on paying back extra tax credit.

Where these numbers come from

  • 2026 plans, premiums, deductibles, copays and out-of-pocket maximums: CMS QHP Landscape and Benefits and Cost Sharing Public Use Files, plan year 2026. Checked October 4, 2026.
  • Proposed 2027 changes: each insurer's rate filing (ratereview.healthcare.gov or the state insurance department).

Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.

Thrive Benefits Group is not HealthCare.gov or a government agency. Premiums shown are before tax credits, for one person age 40, and most people who qualify for tax credits pay less. Your price depends on your county, age, household and income. Plan details can change; the insurer's plan documents are final.