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Tennessee · 2026 plan year

Silver health insurance plans in Tennessee (2026)

There are 62 Silver plans on the Tennessee Marketplace from 6 insurers, and they are not interchangeable — premiums run from $506 to $783 a month for the same metal tier. Here is what separates them.

62
Silver plans
6
Insurers
95
Counties covered
$506
Cheapest premium
$6,000
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.

One carrier files 65% of Tennessee's Silver plans.

BlueCross BlueShield of Tennessee accounts for 40 of the 62 Silver 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.

Tennessee Silver premiums rank 26th cheapest of 35.

Averaged across all 62 plans, Silver coverage in Tennessee costs $583 a month before subsidies — 26th 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 Silver plan costs in Tennessee in 2026

Across all 62 Silver plans in Tennessee, monthly premiums run from $506 to $783, averaging $583. 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

Silver plan deductibles in Tennessee

Silver deductibles in Tennessee run from $2,500 to $8,100, with a median of $6,000 across the 61 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 $6,008 because the spread is not symmetric. 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

Silver out-of-pocket maximums in Tennessee

Individual out-of-pocket maximums on Tennessee Silver plans run from $6,900 to $10,500, with a median of $8,900. 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 Silver plans in Tennessee

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Standard SilverAmbetter of Tennessee$506$6,000$8,900
BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health®BlueCross BlueShield of Tennessee$512$8,100$8,100
Silver Classic StandardOscar Insurance Company$519$6,000$8,900
Enhanced Diabetes Care Silver with $0 Drug OptionsAmbetter of Tennessee$519$5,000$8,650
Standard Silver + Vision + Adult DentalAmbetter of Tennessee$519$6,000$8,900

Showing 5 of 62. See all Tennessee Silver plans →

Who sells here

Silver plans by insurer

InsurerSilver plansCheapestTier averageDeductible range
BlueCross BlueShield of Tennessee40$512$607$5,900–$8,100
Oscar Insurance Company7$519$521$5,700–$6,500
Ambetter of Tennessee4$506$519$5,000–$6,000
Cigna Healthcare4$561$563$2,500–$6,000
UnitedHealthcare4$540$548$3,500–$6,000
Alliant Health Plans, Inc.3$547$571$5,000–$6,500
Other tiers in Tennessee

How Silver compares to the rest

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

All TennesseeMarketplace plans →

Nearby on price

States with similar Silver premiums

Montana
Avg $580
28 Silver plans
Delaware
Avg $594
10 Silver plans
Texas
Avg $623
303 Silver plans
Common questions

Tennessee Silver plans, answered

What are the copays on Tennessee Silver 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 62 Silver plans in Tennessee, out-of-pocket maximums run $6,900 to $10,500, and deductibles on the 61 plans with one combined deductible run $2,500 to $8,100. 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 Silver plan in Tennessee?
Anyone eligible to buy Marketplace coverage in Tennessee can pick a Silver plan — there is no separate test for the tier. What Silver uniquely unlocks is cost-sharing reductions, available if your household income is roughly 100–250% of the federal poverty level. Those reductions apply only to Silver plans, which is why Silver is usually the right choice at those incomes even though its sticker price here ($583 a month on average) is higher than Gold in some states.
What is the deductible on Tennessee Silver plans?
Silver deductibles in Tennessee run from $2,500 to $8,100 across the 61 plans with one combined deductible, with a median of $6,000 — 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 $6,900 to $10,500. 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 Silver plans available in my Tennessee county?
Silver 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 Silver premiums in Tennessee start at $506 a month before any subsidy.

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