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Tennessee · 2026 plan year

Gold health insurance plans in Tennessee (2026)

There are 32 Gold plans on the Tennessee Marketplace from 6 insurers, and they are not interchangeable — premiums run from $498 to $818 a month for the same metal tier. Here is what separates them.

32
Gold plans
6
Insurers
95
Counties covered
$498
Cheapest premium
$2,000
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.

Tennessee Gold premiums rank 25th cheapest of 35.

Averaged across all 32 plans, Gold coverage in Tennessee costs $597 a month before subsidies — 25th lowest of the 35 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

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 Gold plan costs in Tennessee in 2026

Across all 32 Gold plans in Tennessee, monthly premiums run from $498 to $818, averaging $597. 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

Gold plan deductibles in Tennessee

Gold deductibles in Tennessee run from $0 to $2,000, with a median of $2,000 across the 31 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 $1,713 because the spread is not symmetric. Some Tennessee Gold plans file a $0 deductible and charge copays from the first visit instead, which is what pulls the low end of that range to zero. The other 1 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

Gold out-of-pocket maximums in Tennessee

Individual out-of-pocket maximums on Tennessee Gold plans run from $6,500 to $8,500, with a median of $8,200. 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 Gold plans in Tennessee

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Gold Classic StandardOscar Insurance Company$498$2,000$8,200
Standard GoldAmbetter of Tennessee$516$2,000$8,200
Gold EliteOscar Insurance Company$520$500$7,000
Everyday GoldAmbetter of Tennessee$523$800$7,250
UHC Gold Advantage (Virtual Urgent Care, No Referrals)UnitedHealthcare$524$2,000$8,500

Showing 5 of 32. See all Tennessee Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier averageDeductible range
BlueCross BlueShield of Tennessee16$547$654$2,000
Ambetter of Tennessee6$516$549$0–$2,000
UnitedHealthcare4$524$532$2,000
Alliant Health Plans, Inc.2$533$540$1,500–$2,000
Cigna Healthcare2$569$570$1,500–$2,000
Oscar Insurance Company2$498$509$500–$2,000
Other tiers in Tennessee

How Gold compares to the rest

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

All TennesseeMarketplace plans →

Nearby on price

States with similar Gold premiums

Montana
Avg $586
28 Gold plans
Oklahoma
Avg $598
52 Gold plans
Florida
Avg $603
97 Gold plans
Common questions

Tennessee Gold plans, answered

What are the copays on Tennessee Gold 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 32 Gold plans in Tennessee, out-of-pocket maximums run $6,500 to $8,500, and deductibles on the 31 plans with one combined deductible run $0 to $2,000. The other plan sets a separate deductible for prescription drugs and is 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 Gold plan in Tennessee?
Any Tennessee Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — a median of $2,000 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on Tennessee Gold plans?
Gold deductibles in Tennessee run from $0 to $2,000 across the 31 plans with one combined deductible, with a median of $2,000 — that median is the figure closest to a typical plan. The other plan sets a separate deductible for prescription drugs and is not included in the deductible figures. Out-of-pocket maximums run $6,500 to $8,500. 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 Gold plans available in my Tennessee county?
Gold 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 Gold premiums in Tennessee start at $498 a month before any subsidy.

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