TN Health OptionsRutherford County by the numbers
- 30,649 Rutherford County residents picked a 2026 Marketplace plan, 11.8% fewer than in 2025 (statewide: -11.4%).
- That is 8.1 sign-ups per 100 residents, above the Tennessee figure of 7.9.
- 76% of Rutherford County enrollees used an agent or broker (statewide: 71%).
- 93% got a premium tax credit (statewide: 90%), and the average enrollee paid $117 a month after the credit versus $819 before it.
Full monthly price for one 40-year-old before any tax credit (2026): benchmark silver $752, lowest bronze $546. 5 insurers sold 65 medical plans in Rutherford County for 2026.
Sources: CMS 2026/2025 OEP county public use files, CMS QHP Landscape PY2026, Census Vintage 2024.
2027: one of this region's insurers is leaving
One of the insurers that sold individual and family plans here in 2026 will not offer them for 2027. If your plan is ending, you will need to pick a new plan for January 1. Read the 2027 insurer exit explainer, which names the insurer and links its official notices.
Rutherford County compared with the rest of Nashville & Middle Tennessee
| 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* |
|---|---|---|---|---|---|---|---|---|
| Davidson | 81,397 | -9.1% | 11.2 | 73% | 89% | $141/mo | $752 | $546 |
| Rutherford | 30,649 | -11.8% | 8.1 | 76% | 93% | $117/mo | $752 | $546 |
| Williamson | 16,038 | -3.4% | 6.0 | 54% | 78% | $280/mo | $752 | $546 |
| Montgomery | 13,611 | -12.8% | 5.5 | 72% | 92% | $124/mo | $752 | $546 |
| Sumner | 13,540 | -6.1% | 6.4 | 66% | 89% | $169/mo | $752 | $546 |
| Wilson | 10,757 | -6.1% | 6.3 | 65% | 90% | $161/mo | $752 | $546 |
| Robertson | 4,967 | -10.9% | 6.3 | 72% | 92% | $143/mo | $752 | $546 |
| Cheatham | 3,285 | -11.4% | 7.7 | 69% | 91% | $153/mo | $752 | $546 |
| Trousdale | 594 | -5.3% | 4.9 | 72% | 93% | $115/mo | $752 | $546 |
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.
Common situations Chuck helps with
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Agent links: these are links Chuck may be paid through if you buy. Using them never changes your price. See disclosures.
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.