Tennessee · Insurer
UnitedHealthcare Marketplace Plans in Tennessee
UnitedHealthcare sells Marketplace EPOs in all 95 counties and covers about 66,700 members. Every plan name includes No Referrals, and Copay Focus designs start with a $0 medical deductible on the 2026 grid.
- 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 UnitedHealthcare different
All 12 Marketplace plans are labeled No Referrals and sell in every Tennessee county, with listed cross-border access into parts of Alabama, Mississippi and Virginia.
Copay Focus designs at Bronze, Silver and Gold start with a $0 medical deductible and $0 virtual urgent care on the 2026 plan grid.
For 2026 UnitedHealthcare expanded into Northeast Tennessee counties through a Ballad Health partnership.
Advantage and Copay Focus plans often come in + versions that add adult dental and vision alongside the medical EPO.
Is UnitedHealthcare a good fit?
A good fit if
- You want a statewide EPO that does not require specialist referrals
- You like $0 medical deductible Copay Focus designs
- You live near the Alabama, Mississippi or Virginia border and want listed cross-border providers
Think twice if
- Vanderbilt excludes UnitedHealthcare Compass (Individual Exchange) at most locations except Clarksville. Confirm before you enroll.
- UnitedHealthcare filed the highest average 2027 increase among Tennessee's continuing insurers, about 28.7%.
- CMS overall rating fell from 3 stars in 2025 to 2 stars in 2026.
Good starting points
From its 12 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.
UnitedHealthcare plans and prices
All 2026 UnitedHealthcare plans in Tennessee
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties |
|---|---|---|---|---|---|---|---|---|---|---|
| UHC Bronze Essential (No Referrals) | MetalBronze | TypeEPO | Premium (age 40)$480 | Deductible$10,600 | OOP max$10,600 | Primary care$0 after deductible | Specialist$0 after deductible | Generic Rx$0 after deductible | HSANo | Counties95 |
| UHC Bronze Standard (No Referrals) | MetalBronze | TypeEPO | Premium (age 40)$503 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties95 |
| UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals) | MetalBronze | TypeEPO | Premium (age 40)$531 | Deductible$0 | OOP max$10,600 | Primary care$25 | Specialist$100 | Generic Rx$25 | HSANo | Counties95 |
| UHC Bronze Copay Focus + (Virtual Urgent Care, Dental + Vision, No Referrals) | MetalBronze | TypeEPO | Premium (age 40)$548 | Deductible$0 | OOP max$10,600 | Primary care$25 | Specialist$100 | Generic Rx$25 | HSANo | Counties95 |
| UHC Silver Standard (No Referrals) | MetalSilver | TypeEPO | Premium (age 40)$690 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties95 |
| UHC Silver Advantage (Virtual Urgent Care, No Referrals) | MetalSilver | TypeEPO | Premium (age 40)$697 | Deductible$3,500 | OOP max$10,500 | Primary care$20 | Specialist$75 | Generic Rx$10 | HSANo | Counties95 |
| UHC Silver Copay Focus (Virtual Urgent Care, No Referrals) | MetalSilver | TypeEPO | Premium (age 40)$700 | Deductible$0 | OOP max$10,150 | Primary care$15 | Specialist$100 | Generic Rx$10 | HSANo | Counties95 |
| UHC Silver Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) | MetalSilver | TypeEPO | Premium (age 40)$714 | Deductible$3,500 | OOP max$10,500 | Primary care$20 | Specialist$75 | Generic Rx$10 | HSANo | Counties95 |
| UHC Gold Advantage (Virtual Urgent Care, No Referrals) | MetalGold | TypeEPO | Premium (age 40)$670 | Deductible$2,000 | OOP max$8,500 | Primary care$10 | Specialist$60 | Generic Rx$3 | HSANo | Counties95 |
| UHC Gold Standard (No Referrals) | MetalGold | TypeEPO | Premium (age 40)$674 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties95 |
| UHC Gold Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) | MetalGold | TypeEPO | Premium (age 40)$687 | Deductible$2,000 | OOP max$8,500 | Primary care$10 | Specialist$60 | Generic Rx$3 | HSANo | Counties95 |
| UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) | MetalGold | TypeEPO | Premium (age 40)$690 | Deductible$0 | OOP max$8,500 | Primary care$10 | Specialist$70 | Generic Rx$3 | HSANo | Counties95 |
Good to know
In June 2026, TDCI entered consent order TID 26-17 with a $10,000 civil penalty for missing 2024 and 2025 network-adequacy standards filings.
Other Tennessee Marketplace insurers
Sources
- UHIC Part II justification, Tennessee 2027, May 27, 2026
- UnitedHealthcare 2026 TDCI presentation, October 2025
- CMS Nationwide QRS PUF PY2026, October 2025
- TDCI consent order TID 26-17, June 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.