TN Health Options2027: one of this region's insurers is leaving
One of the insurers that sold individual and family plans here in 2026 will not offer them for 2027. If your plan is ending, you will need to pick a new plan for January 1. Read the 2027 insurer exit explainer, which names the insurer and links its official notices.
What plans cost here (2026 plan year)
Insurers set prices by rating area. These 11 counties make up Tennessee rating area 3, so a given plan costs the same here for people of the same age, though not every plan is sold in every county.
Before-tax-credit prices are from the CMS QHP Landscape PY2026. Most Tennessee enrollees get a premium tax credit that lowers the price, based on income and household size. How costs work in Tennessee.
County-by-county: who signed up in 2026
| County | 2026 sign-ups | vs 2025 | Sign-ups per 100 residents | Used an agent or broker | Got a tax credit | Avg. premium after tax credit | Benchmark silver, age 40* | Lowest bronze, age 40* |
|---|---|---|---|---|---|---|---|---|
| Hamilton | 31,362 | -5.6% | 8.1 | 68% | 88% | $154/mo | $699 | $482 |
| Bradley | 8,774 | -9.2% | 7.7 | 70% | 92% | $121/mo | $699 | $482 |
| McMinn | 4,395 | -7.4% | 7.7 | 73% | 92% | $130/mo | $699 | $482 |
| Franklin | 3,204 | -5.5% | 7.1 | 72% | 92% | $139/mo | $699 | $482 |
| Marion | 2,385 | -9.9% | 8.0 | 72% | 90% | $151/mo | $699 | $482 |
| Rhea | 2,245 | -5.9% | 6.5 | 75% | 92% | $140/mo | $699 | $482 |
| Polk | 1,448 | -2.9% | 7.9 | 67% | 93% | $121/mo | $699 | $482 |
| Grundy | 1,257 | -8.9% | 8.9 | 76% | 92% | $120/mo | $699 | $482 |
| Bledsoe | 1,243 | -9.7% | 8.0 | 77% | 92% | $138/mo | $699 | $482 |
| Sequatchie | 1,157 | -5.2% | 6.6 | 67% | 93% | $134/mo | $699 | $482 |
| Meigs | 929 | -14.4% | 6.7 | 72% | 94% | $119/mo | $699 | $482 |
2026 plan year, HealthCare.gov Open Enrollment (Nov. 1, 2025 to Jan. 15, 2026). Sign-ups = plan selections. "Avg. premium after tax credit" is the average monthly amount 2026 enrollees in that county paid after advance premium tax credits. *Full monthly premium for one 40-year-old before any tax credit: benchmark = second-lowest-cost silver plan; lowest bronze = cheapest bronze plan sold in the county. Sources: CMS 2026 and 2025 OEP county public use files; CMS QHP Landscape PY2026; Census Vintage 2024. Historical 2026 data, not a 2027 quote. Use Chuck’s Marketplace agent link for current plan availability and personalized prices.
City guides in this region
How Chuck can help
- Free consultation. A short video or phone call about your doctors, prescriptions, budget and household.
- Compare options. Marketplace plans and tax-credit estimates, plus dental and vision if you want them.
- Your choice, your consent. Chuck only helps you enroll after you review your application and give documented consent, as federal rules require.
Chattanooga & Southeast Tennessee residents can also compare every Marketplace plan on their own at HealthCare.gov.
Suggested vendors
Agent links: these are links Chuck may be paid through if you buy. Using them never changes your price. See disclosures.
Other Tennessee regions
Tri-Cities & Northeast Tennessee
Johnson City, Kingsport and Bristol
Knoxville & East Tennessee
Knoxville, Sevierville, Maryville and Morristown
Nashville & Middle Tennessee
Nashville, Murfreesboro, Franklin, Clarksville and Gallatin
Jackson & West Tennessee
Jackson, Dyersburg, Paris and Union City
Memphis & the Mid-South
Memphis, Bartlett, Collierville and Covington
Cookeville & the Upper Cumberland
Cookeville, Crossville, McMinnville and Sparta
Columbia & South Central Tennessee
Columbia, Tullahoma, Dickson, Shelbyville and Lawrenceburg
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, 2025 Marketplace Open Enrollment Period Public Use Files. https://www.cms.gov/data-research/statistics-trends-and-reports/marketplace-products/2025-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
- U.S. Census Bureau, county population estimates, Vintage 2024. https://www.census.gov/data/tables/time-series/demo/popest/2020s-counties-total.html
- HealthCare.gov, Dates and deadlines for 2027 health insurance. https://www.healthcare.gov/quick-guide/dates-and-deadlines/
Checked October 24, 2026.