Tennessee · Insurer
Oscar Marketplace Plans in Tennessee
Oscar sells about 15 EPO plans in 46 counties centered on Nashville, Memphis and West Tennessee, with about 90,000 members as of March 2026. It offers more condition-specific plans than any other Tennessee insurer researched.
- Member experience not rated by CMS for 2025 or 2026.
- 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 Oscar different
Oscar sells plans for diabetes, COPD (Breathe Easy), several chronic conditions (Chronic Care CKM) and menopause. Benefits include $0 condition-related visits and labs on many designs.
Vanderbilt accepts Oscar at major Nashville-area facilities with no product exclusion note, unlike BlueCross Network E and UnitedHealthcare Compass.
For 2026 Oscar added 16 West Tennessee counties, growing from 30 to 46 counties. It still does not sell in Knoxville, Chattanooga or the Tri-Cities.
Oscar's Tennessee EPO materials say you do not need a referral to see an in-network specialist.
Is Oscar a good fit?
A good fit if
- You live in the Nashville, Memphis or West Tennessee footprint
- You want a diabetes, COPD, chronic-care or menopause-focused plan
- You want Vanderbilt without a Compass-style exclusion
Think twice if
- Oscar is not sold in Knoxville, Chattanooga or the Tri-Cities. Check your county before you shop.
- Oscar filed an average 2027 increase of about 18.7%. Compare prices after tax credits.
- Methodist Le Bonheur is not named on Oscar's 2026 hospital overview. Confirm Memphis hospitals in the live directory.
Good starting points
From its 15 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.
Oscar plans and prices
All 2026 Oscar plans in Tennessee
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties |
|---|---|---|---|---|---|---|---|---|---|---|
| Bronze Simple | MetalBronze | TypeEPO | Premium (age 40)$482 | Deductible$9,000 | OOP max$10,600 | Primary care40% after deductible | Specialist40% after deductible | Generic Rx$3 | HSANo | Counties46 |
| Bronze Classic Standard | MetalBronze | TypeEPO | Premium (age 40)$503 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties46 |
| Bronze Simple Diabetes | MetalBronze | TypeEPO | Premium (age 40)$511 | Deductible$5,500 | OOP max$10,150 | Primary care$50 | Specialist$150 | Generic Rx$3 | HSANo | Counties46 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | MetalBronze | TypeEPO | Premium (age 40)$514 | Deductible$5,500 | OOP max$10,150 | Primary care$50 | Specialist$150 | Generic Rx$3 | HSANo | Counties46 |
| Bronze Simple Chronic Care CKM | MetalBronze | TypeEPO | Premium (age 40)$521 | Deductible$5,500 | OOP max$10,150 | Primary care$50 | Specialist$150 | Generic Rx$3 | HSANo | Counties46 |
| Bronze Elite + PCP Saver Plus | MetalBronze | TypeEPO | Premium (age 40)$552 | Deductible$0 | OOP max$9,900 | Primary care$40 | Specialist$130 | Generic Rx$3 | HSANo | Counties46 |
| Silver Classic Standard | MetalSilver | TypeEPO | Premium (age 40)$663 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties46 |
| Silver Simple PCP Saver | MetalSilver | TypeEPO | Premium (age 40)$664 | Deductible$5,700 | OOP max$10,000 | Primary care$5 | Specialist$80 | Generic Rx$3 | HSANo | Counties46 |
| Silver Simple Diabetes | MetalSilver | TypeEPO | Premium (age 40)$665 | Deductible$6,500 | OOP max$10,000 | Primary care$0 | Specialist$40 | Generic Rx$0 | HSANo | Counties46 |
| Silver Simple Women's Health with Menopause Benefits | MetalSilver | TypeEPO | Premium (age 40)$666 | Deductible$6,000 | OOP max$10,150 | Primary care$0 | Specialist$40 | Generic Rx$3 | HSANo | Counties46 |
| Silver Simple Chronic Care CKM | MetalSilver | TypeEPO | Premium (age 40)$667 | Deductible$5,900 | OOP max$10,150 | Primary care$0 | Specialist$35 | Generic Rx$3 | HSANo | Counties46 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits | MetalSilver | TypeEPO | Premium (age 40)$667 | Deductible$6,200 | OOP max$9,600 | Primary care$0 | Specialist$40 | Generic Rx$0 | HSANo | Counties46 |
| Silver Classic | MetalSilver | TypeEPO | Premium (age 40)$670 | Deductible$6,500 | OOP max$9,400 | Primary care$40 | Specialist$80 | Generic Rx$3 | HSANo | Counties46 |
| Gold Classic Standard | MetalGold | TypeEPO | Premium (age 40)$636 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties46 |
| Gold Elite | MetalGold | TypeEPO | Premium (age 40)$664 | Deductible$500 | OOP max$7,000 | Primary care$15 | Specialist$75 | Generic Rx$3 | HSANo | Counties46 |
Good to know
In May 2026, TDCI entered consent order TID 26-16 with a $10,000 civil penalty for missing 2024 and 2025 network-adequacy filings under Tenn. Code Ann. § 56-7-2356.
Other Tennessee Marketplace insurers
Sources
- Oscar Part II justification, Tennessee 2027, June 1, 2026
- Oscar 2026 Tennessee network overview, 2025
- CMS Nationwide QRS PUF PY2026, October 2025
- TDCI consent order TID 26-16, May 13, 2026
- 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.