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Tennessee · 2026 plan year

Bronze health insurance plans in Tennessee (2026)

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
$7,500
Median 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, a median of $7,500 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.

Cost

What a Bronze plan costs in Tennessee in 2026

Across all 63 Bronze plans in Tennessee, monthly premiums run from $364 to $597, averaging $440. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Tennessee enrollees, often to a fraction of the sticker price.

Deductibles

Bronze plan deductibles in Tennessee

Bronze deductibles in Tennessee run from $3,500 to $10,600, with a median of $7,500 across the 50 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $8,502 because the spread is not symmetric. The other 13 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Bronze out-of-pocket maximums in Tennessee

Individual out-of-pocket maximums on Tennessee Bronze plans run from $8,500 to $10,600, with a median of $10,150. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

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 averageDeductible range
BlueCross BlueShield of Tennessee40$364$457$7,500–$10,600
Ambetter of Tennessee6$388$412$7,500–$8,450
Oscar Insurance Company6$377$402$5,500–$9,000
Cigna Healthcare4$428$441$3,500–$8,500
UnitedHealthcare4$376$403$7,500–$10,600
Alliant Health Plans, Inc.3$377$398$7,500–$9,500
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 $448
58 Bronze plans
Florida
Avg $449
125 Bronze plans
Common questions

Tennessee Bronze plans, answered

What are the copays on Tennessee Bronze plans?
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. What the tier does bound is the rest of the cost-sharing: across the 63 Bronze plans in Tennessee, out-of-pocket maximums run $8,500 to $10,600, and deductibles on the 50 plans with one combined deductible run $3,500 to $10,600. The other 13 set a separate deductible for prescription drugs and are not included in the deductible figures. 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 Tennessee Bronze plans?
Bronze deductibles in Tennessee run from $3,500 to $10,600 across the 50 plans with one combined deductible, with a median of $7,500 — that median is the figure closest to a typical plan. The other 13 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $8,500 to $10,600. The spread inside a single 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 Marketplace plan in Tennessee?
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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