TN Health OptionsWhat Tennesseans actually paid in 2026
All Tennessee HealthCare.gov enrollees, 2026 Open Enrollment. Source: CMS 2026 OEP state public use file.
Full price by age and region (2026, before tax credits)
Lowest bronze / benchmark silver monthly premium for one adult, in the largest county of each region.
| Region | Age 21 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| Tri-Cities (Sullivan Co.) | $378 / $543 | $429 / $616 | $483 / $693 | $675 / $969 | $1,025 / $1,473 |
| Knoxville (Knox Co.) | $376 / $532 | $426 / $604 | $480 / $680 | $671 / $950 | $1,020 / $1,443 |
| Chattanooga (Hamilton Co.) | $377 / $547 | $428 / $620 | $482 / $699 | $674 / $976 | $1,024 / $1,483 |
| Nashville (Davidson Co.) | $427 / $589 | $485 / $668 | $546 / $752 | $763 / $1,052 | $1,159 / $1,598 |
| Jackson (Madison Co.) | $390 / $561 | $443 / $636 | $499 / $716 | $697 / $1,001 | $1,059 / $1,521 |
| Memphis (Shelby Co.) | $364 / $512 | $414 / $581 | $466 / $654 | $651 / $914 | $989 / $1,390 |
| Cookeville (Putnam Co.) | $432 / $621 | $491 / $705 | $553 / $794 | $772 / $1,109 | $1,173 / $1,686 |
| Columbia (Maury Co.) | $443 / $611 | $503 / $693 | $567 / $781 | $792 / $1,091 | $1,203 / $1,658 |
Source: CMS QHP Landscape PY2026 (individual medical). Benchmark = second-lowest-cost silver plan. Most enrollees pay less after a premium tax credit. These historical 2026 figures are not 2027 quotes; use Chuck’s Marketplace agent link for current prices.
What changes your price
- Age: ACA rules allow older adults to be charged up to 3 times what a 21-year-old pays.
- Where you live: Tennessee has 8 rating areas with different prices.
- Tobacco use can raise the premium.
- Metal level: bronze costs less each month but more when you use care.
- Your income and household size set your premium tax credit, which lowers the premium.
2027 rate changes
Tennessee insurers filed 2027 rate changes. One secondary source reports a weighted average increase of about 15.6% Not confirmed. We could not confirm that figure on a TDCI or CMS page. The temporary, larger tax credits of 2021 to 2025 expired at the end of 2025 (KFF), so 2026 figures already reflect regular credits. Check real 2027 prices on November 1.
Turning 65 in Tennessee? Learn your Medicare options
Prices on this page are for individual and family plans under 65. Once you're eligible for Medicare, Marketplace plans usually stop being the right fit and premium tax credits generally end.
Medicare help on this link comes from Renee Huckaby, a separate insurance agent licensed in Tennessee and other states (NPN 20165711), not from Chuck. For information on all Medicare options, visit Medicare.gov or call 1-800-MEDICARE. See disclosures.
Common questions
How much is health insurance a month in Tennessee?
What is the cheapest health insurance in Tennessee?
Sources
- CMS, 2026 Marketplace Open Enrollment Period Public Use Files (state and county level). https://www.cms.gov/data-research/statistics-trends-and-reports/marketplace-products/2026-marketplace-open-enrollment-period-public-use-files
- CMS / HealthCare.gov, QHP Landscape data, individual medical, plan year 2026. https://data.healthcare.gov/datasets?keyword=landscape
- HealthCare.gov glossary, Premium tax credit. https://www.healthcare.gov/glossary/premium-tax-credit/
- HealthCare.gov, The "metal" categories. https://www.healthcare.gov/choose-a-plan/plans-categories/
- KFF, What We Know So Far About 2026 ACA Marketplace Enrollment, Premiums, and Deductibles. https://www.kff.org/affordable-care-act/what-we-know-so-far-about-2026-aca-marketplace-enrollment-premiums-and-deductibles/
- ACASignups.net, Tennessee 2027 rate changes (secondary source, Sept. 28, 2026). https://acasignups.net/rate_changes/2027/tn
Checked October 24, 2026.