TN Health OptionsWhat plans cost here (2026 plan year)
Insurers set prices by rating area. These 16 counties make up Tennessee rating area 8, 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* |
|---|---|---|---|---|---|---|---|---|
| Maury | 7,433 | -7.2% | 6.6 | 65% | 91% | $152/mo | $781 | $567 |
| Coffee | 4,096 | -16.4% | 6.7 | 75% | 92% | $126/mo | $781 | $567 |
| Dickson | 3,884 | -10.9% | 6.7 | 68% | 91% | $145/mo | $781 | $567 |
| Bedford | 3,735 | -11.8% | 6.9 | 77% | 91% | $134/mo | $781 | $567 |
| Lawrence | 2,875 | -15.2% | 6.2 | 72% | 93% | $139/mo | $781 | $567 |
| Marshall | 2,412 | -2.9% | 6.4 | 70% | 92% | $133/mo | $781 | $567 |
| Giles | 2,303 | -16.6% | 7.4 | 75% | 92% | $135/mo | $781 | $567 |
| Lincoln | 2,268 | -17.3% | 6.2 | 73% | 93% | $144/mo | $781 | $567 |
| Hickman | 1,830 | -11.3% | 7.1 | 67% | 93% | $123/mo | $781 | $567 |
| Wayne | 1,186 | -13.1% | 7.4 | 78% | 94% | $131/mo | $781 | $567 |
| Humphreys | 1,176 | -18.7% | 6.0 | 73% | 93% | $136/mo | $781 | $567 |
| Stewart | 913 | -1.8% | 6.4 | 67% | 92% | $127/mo | $781 | $567 |
| Lewis | 851 | -14.6% | 6.3 | 69% | 93% | $119/mo | $781 | $567 |
| Perry | 600 | +4.0% | 6.7 | 73% | 96% | $95/mo | $781 | $567 |
| Houston | 516 | -6.2% | 6.0 | 77% | 93% | $115/mo | $781 | $567 |
| Moore | 327 | -14.8% | 4.8 | 66% | 91% | $170/mo | $781 | $567 |
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.
Columbia & South Central Tennessee 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
Cookeville & the Upper Cumberland
Cookeville, Crossville, McMinnville and Sparta
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.