Tennessee · Insurer
Ambetter Marketplace Plans in Tennessee
Ambetter of Tennessee, underwritten by Celtic Insurance Company, sells EPO plans in all 95 counties. Its Enhanced Diabetes Care Silver plan includes $0 preferred insulin and related supplies.
- Proposed changes are as filed. Final 2027 rates are published when open enrollment starts.
Compare plans for my ZIP codeFree. See your price after tax credits.
What makes Ambetter different
Vanderbilt lists Ambetter of Tennessee (Commercial Exchange) with no location exclusions, unlike BlueCross Network E and UnitedHealthcare Compass.
That Silver plan includes $0 preferred insulin, related chronic meds, diabetic supplies, A1c labs, and eye and foot exams in 2026 materials.
Members can earn up to $500 a year through My Health Pays, which can go toward premiums, copays or deductibles.
Many Premier plans offer optional adult dental and vision versions alongside the standard medical EPO.
Is Ambetter a good fit?
A good fit if
- You live anywhere in Tennessee and want a statewide EPO
- You manage diabetes and want $0 preferred insulin on a dedicated Silver plan
- You want Vanderbilt in network without a Network E-style exclusion
Think twice if
- All plans are EPOs, so out-of-network care is generally limited to emergencies.
- Do not confuse Marketplace Ambetter of Tennessee with off-exchange Ambetter Health Solutions (Bankers Reserve Life).
- CMS Medical Care scored 2 of 5 stars for 2026 even though member experience scored 5.
Good starting points
From its 16 2026 plans statewide, lowest price in any Tennessee rating area.2027 plan-by-plan prices and copays appear here once HealthCare.gov publishes them on November 1.
See my price after tax creditsCompare every insurer in your county and check your doctors.
Ambetter plans and prices
All 2026 Ambetter plans in Tennessee
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties |
|---|---|---|---|---|---|---|---|---|---|---|
| Everyday Bronze | MetalBronze | TypeEPO | Premium (age 40)$496 | Deductible$8,450 | OOP max$10,150 | Primary care$40 | Specialist$90 | Generic Rx$3 | HSANo | Counties95 |
| Standard Expanded Bronze | MetalBronze | TypeEPO | Premium (age 40)$497 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties95 |
| Everyday Bronze + Vision + Adult Dental | MetalBronze | TypeEPO | Premium (age 40)$509 | Deductible$8,450 | OOP max$10,150 | Primary care$40 | Specialist$90 | Generic Rx$3 | HSANo | Counties95 |
| Standard Expanded Bronze + Vision + Adult Dental | MetalBronze | TypeEPO | Premium (age 40)$511 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties95 |
| Elite Bronze | MetalBronze | TypeEPO | Premium (age 40)$565 | Deductible$0 | OOP max$10,500 | Primary care$50 | Specialist$115 | Generic Rx$3 | HSANo | Counties95 |
| Elite Bronze + Vision + Adult Dental | MetalBronze | TypeEPO | Premium (age 40)$580 | Deductible$0 | OOP max$10,500 | Primary care$50 | Specialist$115 | Generic Rx$3 | HSANo | Counties95 |
| Standard Silver | MetalSilver | TypeEPO | Premium (age 40)$646 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties95 |
| Enhanced Diabetes Care Silver with $0 Drug Options | MetalSilver | TypeEPO | Premium (age 40)$663 | Deductible$5,000 | OOP max$8,650 | Primary care$30 | Specialist$50 | Generic Rx$3 | HSANo | Counties95 |
| Standard Silver + Vision + Adult Dental | MetalSilver | TypeEPO | Premium (age 40)$664 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties95 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | MetalSilver | TypeEPO | Premium (age 40)$681 | Deductible$5,000 | OOP max$8,650 | Primary care$30 | Specialist$50 | Generic Rx$3 | HSANo | Counties95 |
| Standard Gold | MetalGold | TypeEPO | Premium (age 40)$659 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties95 |
| Everyday Gold | MetalGold | TypeEPO | Premium (age 40)$668 | Deductible$800 | OOP max$7,250 | Primary care$35 | Specialist$55 | Generic Rx$3 | HSANo | Counties95 |
| Standard Gold + Vision + Adult Dental | MetalGold | TypeEPO | Premium (age 40)$677 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties95 |
| Everyday Gold + Vision + Adult Dental | MetalGold | TypeEPO | Premium (age 40)$686 | Deductible$800 | OOP max$7,250 | Primary care$35 | Specialist$55 | Generic Rx$3 | HSANo | Counties95 |
| Elite Gold | MetalGold | TypeEPO | Premium (age 40)$748 | Deductible$0 | OOP max$6,500 | Primary care$5 | Specialist$60 | Generic Rx$3 | HSANo | Counties95 |
| Elite Gold + Vision + Adult Dental | MetalGold | TypeEPO | Premium (age 40)$769 | Deductible$0 | OOP max$6,500 | Primary care$5 | Specialist$60 | Generic Rx$3 | HSANo | Counties95 |
Other Tennessee Marketplace insurers
Sources
- Celtic Insurance Company 2027 Tennessee actuarial memorandum, July 15, 2026
- Ambetter of Tennessee, Enhanced Diabetes Care, accessed October 7, 2026
- Ambetter 2026 TDCI presentation, October 2025
- CMS Nationwide QRS PUF PY2026, October 2025
- CMS State-based Exchange Public Use Files, plan year 2026, checked October 4, 2026
← Tennessee Marketplace guide and all insurers
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.