TN Health OptionsWhat plans cost here (2026 plan year)
Insurers set prices by rating area. These 14 counties make up Tennessee rating area 7, 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* |
|---|---|---|---|---|---|---|---|---|
| Putnam | 6,396 | -4.6% | 7.5 | 63% | 93% | $122/mo | $794 | $553 |
| Cumberland | 4,864 | -8.9% | 7.4 | 62% | 91% | $152/mo | $794 | $553 |
| Warren | 3,786 | +0.9% | 8.7 | 73% | 94% | $117/mo | $794 | $553 |
| White | 2,503 | -8.7% | 8.6 | 68% | 94% | $118/mo | $794 | $553 |
| Macon | 2,070 | -8.6% | 7.6 | 76% | 94% | $115/mo | $794 | $553 |
| Fentress | 1,994 | -2.5% | 9.9 | 62% | 93% | $130/mo | $794 | $553 |
| DeKalb | 1,961 | -5.1% | 9.0 | 72% | 92% | $134/mo | $794 | $553 |
| Overton | 1,856 | -3.1% | 7.9 | 67% | 93% | $128/mo | $794 | $553 |
| Smith | 1,839 | -3.9% | 8.8 | 80% | 93% | $116/mo | $794 | $553 |
| Cannon | 1,519 | -9.1% | 10.0 | 75% | 89% | $145/mo | $794 | $553 |
| Jackson | 1,333 | -2.6% | 10.8 | 78% | 92% | $126/mo | $794 | $553 |
| Clay | 793 | -10.0% | 10.1 | 65% | 93% | $126/mo | $794 | $553 |
| Van Buren | 488 | -10.8% | 7.3 | 71% | 93% | $109/mo | $794 | $553 |
| Pickett | 462 | -1.5% | 9.0 | 64% | 93% | $147/mo | $794 | $553 |
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.
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.
Cookeville & the Upper Cumberland 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
Chattanooga & Southeast Tennessee
Chattanooga, Cleveland and Athens
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
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.