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Tennessee · 2026 plan year

Bronze health insurance plans in Tennessee

There are 63 Bronze plans on the Tennessee Marketplace from 6 insurers, and they are not interchangeable — premiums run from $364 to $597 a month for the same metal tier. Here is what separates them.

63
Bronze plans
6
Insurers
95
Counties covered
$364
Cheapest premium
$6,748
Average deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

One carrier files 63% of Tennessee's Bronze plans.

BlueCross BlueShield of Tennessee accounts for 40 of the 63 Bronze plans in Tennessee. A long plan list can look like a wide choice while most of it resolves to one network and one formulary — worth knowing before you treat plan count as a measure of competition.

Every Tennessee Bronze plan is HSA-eligible.

All 63 Bronze plans here meet the IRS high-deductible rules, so any of them can be paired with a health savings account — letting you set aside pre-tax money against the deductible, which averages $6,748 in this tier.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Lowest premiums

The cheapest Bronze plans in Tennessee

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
BlueCross B15E $0 virtual care from Teladoc Health®BlueCross BlueShield of Tennessee$364$10,600$10,600
BlueCross B17E $0 virtual care from Teladoc Health® + Adult DentalBlueCross BlueShield of Tennessee$375$10,600$10,600
UHC Bronze Essential (No Referrals)UnitedHealthcare$376$10,600$10,600
SoloCare Exp Bronze EPO $9500 DED 10015Alliant Health Plans, Inc.$377$9,500$10,150
Bronze SimpleOscar Insurance Company$377$9,000$10,600

Showing 5 of 63. See all Tennessee Bronze plans →

Who sells here

Bronze plans by insurer

InsurerBronze plansCheapestTier average
BlueCross BlueShield of Tennessee40$364$457
Ambetter of Tennessee6$388$412
Oscar Insurance Company6$377$402
Cigna Healthcare4$428$441
UnitedHealthcare4$376$403
Alliant Health Plans, Inc.3$377$398
Other tiers in Tennessee

How Bronze compares to the rest

Bronze
Avg $440 · from $364
63 plans · you are here
Silver
Avg $583 · from $506
62 plans
Gold
Avg $597 · from $498
32 plans

All TennesseeMarketplace plans →

Nearby on price

States with similar Bronze premiums

Kansas
Avg $416
24 Bronze plans
Oklahoma
Avg $447
60 Bronze plans
Florida
Avg $449
125 Bronze plans
Common questions

Tennessee Bronze plans, answered

What are the copays on a Tennessee Bronze plan?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. Across the 63 Bronze plans in Tennessee, deductibles average $6,748 and the out-of-pocket maximum averages $10,279. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Bronze plan in Tennessee?
Any Tennessee Marketplace shopper can choose Bronze. It carries the lowest premiums and the highest deductibles, and it is the tier most often paired with a health savings account. One trade-off worth knowing: choosing Bronze rather than Silver forfeits cost-sharing reductions entirely if your income would have qualified you for them.
What is the deductible on a Tennessee Bronze plan?
The average across all 63 Bronze plans in Tennessee is $6,748, with an average out-of-pocket maximum of $10,279. The range within the tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Bronze plans available in my Tennessee county?
Bronze plans are sold in 95 Tennessee counties, from 6 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Tennessee Marketplace plan?
Tennessee uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Bronze premiums in Tennessee start at $364 a month before any subsidy.

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