ACA plans available
40
Plan year
2026 data Public-data reference. official source
Clay, Tennessee Health Insurance
Open-data reference.
40 ACA plans from 3 issuers — Plan year 2026
Clay, Tennessee offers 40 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $453/mo and Silver plans start at $637/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$672
Avg Silver Premium/mo
$651
Benchmark Premium/mo
+45.0%
Year-over-Year Change
$5,442
Avg Deductible
What the Numbers Say About Clay
Clay, Tennessee has 40 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $672/mo for a 27-year-old non-tobacco user, with the lowest Silver at $637 and the highest at $703. Bronze plans start at $453/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $651/mo, the figure the IRS uses to calculate your Advance Premium Tax Credit. Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $5,442 and the average out-of-pocket maximum is $9,094 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Clay shifted by +45.0%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 3 issuers active in Clay, consumers have some competitive choice, though narrower than the most competitive counties. This page is informational only and is not insurance, medical, or tax advice — verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Bronze
3 plans$464/mo avg
$453 — $473
Silver
13 plans$672/mo avg
$637 — $703
Gold
12 plans$693/mo avg
$659 — $776
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Clay is $651/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
3
Some competition
Benchmark Silver
$651 /mo
Sets your subsidy ceiling
Avg deductible
$5,442
Across all metal tiers
Clay ACA plans by premium and deductible
Each marker is the Clay average for one metal tier (and the local Bronze low / Silver high extremes where data is available). The dashed line marks the federal out-of-pocket-maximum ceiling.
Source: CMS Marketplace PUF for Clay, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Clay
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter of Tennessee | 16 | $633/mo |
| BlueCross BlueShield of Tennessee | 12 | $598/mo |
| UnitedHealthcare | 12 | $622/mo |
All Plans in Clay
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| BlueCross B15E $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Bronze | EPO | $453.08 | $552.52 | $10,600 | $10,600 |
| BlueCross B17E $0 virtual care from Teladoc Health® + Adult Dental BlueCross BlueShield of Tennessee | Bronze | EPO | $466.48 | $568.85 | $10,600 | $10,600 |
| UHC Bronze Essential (No Referrals) UnitedHealthcare | Bronze | EPO | $472.72 | $576.46 | $10,600 | $10,600 |
| BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Expanded Bronze | EPO | $483.54 | $589.66 | $7,500 | $10,000 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $495.56 | $604.32 | $7,500 | $10,000 |
| Everyday Bronze Ambetter of Tennessee | Expanded Bronze | EPO | $500.70 | $610.59 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter of Tennessee | Expanded Bronze | EPO | $502.51 | $612.80 | $7,500 | $10,000 |
| BlueCross B16S $50 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Expanded Bronze | EPO | $507.39 | $618.74 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter of Tennessee | Expanded Bronze | EPO | $514.48 | $627.39 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter of Tennessee | Expanded Bronze | EPO | $516.34 | $629.66 | $7,500 | $10,000 |
| UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $522.46 | $637.12 | $0 | $10,600 |
| UHC Bronze Copay Focus + (Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $539.22 | $657.56 | $0 | $10,600 |
| Elite Bronze Ambetter of Tennessee | Expanded Bronze | EPO | $570.41 | $695.60 | $0 | $10,500 |
| BlueCross B19E $60 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Expanded Bronze | EPO | $570.80 | $696.08 | $0 | $10,600 |
| Elite Bronze + Vision + Adult Dental Ambetter of Tennessee | Expanded Bronze | EPO | $586.11 | $714.74 | $0 | $10,500 |
| BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Silver | EPO | $636.67 | $776.40 | $8,100 | $8,100 |
| BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Silver | EPO | $650.94 | $793.80 | $6,000 | $8,900 |
| Standard Silver Ambetter of Tennessee | Silver | EPO | $652.77 | $796.04 | $6,000 | $8,900 |
| BlueCross S27E $60 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Silver | EPO | $652.81 | $796.08 | $5,900 | $6,900 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter of Tennessee | Silver | EPO | $669.79 | $816.78 | $5,000 | $8,650 |
| Standard Silver + Vision + Adult Dental Ambetter of Tennessee | Silver | EPO | $670.74 | $817.94 | $6,000 | $8,900 |
| BlueCross S29E $60 PCP Copay + $0 virtual care from Teladoc Health® + Adult Dental BlueCross BlueShield of Tennessee | Silver | EPO | $673.40 | $821.19 | $5,900 | $6,900 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | EPO | $678.96 | $827.96 | $6,000 | $8,900 |
| BlueCross S26S $40 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Silver | EPO | $683.05 | $832.96 | $6,000 | $8,900 |
| UHC Silver Advantage (Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $686.54 | $837.21 | $3,500 | $10,500 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of Tennessee | Silver | EPO | $688.22 | $839.26 | $5,000 | $8,650 |
| UHC Silver Copay Focus (Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $689.43 | $840.74 | $0 | $10,150 |
| UHC Silver Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $703.31 | $857.66 | $3,500 | $10,500 |
| UHC Gold Advantage (Virtual Urgent Care, No Referrals) UnitedHealthcare | Gold | EPO | $659.48 | $804.21 | $2,000 | $8,500 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | EPO | $663.10 | $808.63 | $2,000 | $8,200 |
| Standard Gold Ambetter of Tennessee | Gold | EPO | $665.61 | $811.69 | $2,000 | $8,200 |
| Everyday Gold Ambetter of Tennessee | Gold | EPO | $674.95 | $823.08 | $800 | $7,250 |
| UHC Gold Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Gold | EPO | $676.25 | $824.66 | $2,000 | $8,500 |
| UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) UnitedHealthcare | Gold | EPO | $679.13 | $828.18 | $0 | $8,500 |
| BlueCross G08E $30 PCP Copay + $0 virtual care from Teladoc Health ® BlueCross BlueShield of Tennessee | Gold | EPO | $679.94 | $829.17 | $2,000 | $8,200 |
| Standard Gold + Vision + Adult Dental Ambetter of Tennessee | Gold | EPO | $683.92 | $834.02 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter of Tennessee | Gold | EPO | $693.53 | $845.73 | $800 | $7,250 |
| BlueCross G08S $30 PCP Copay + $0 virtual care from Teladoc Health ® BlueCross BlueShield of Tennessee | Gold | EPO | $713.48 | $870.06 | $2,000 | $8,200 |
| Elite Gold Ambetter of Tennessee | Gold | EPO | $755.69 | $921.54 | $0 | $6,500 |
| Elite Gold + Vision + Adult Dental Ambetter of Tennessee | Gold | EPO | $776.49 | $946.90 | $0 | $6,500 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $420/mo | $357 | $555 | 9 | 2 |
| 2023 | $449/mo | $412 | $505 | 16 | 2 |
| 2024 | $486/mo | $470 | $516 | 20 | 3 |
| 2025 | $485/mo | $458 | $523 | 15 | 3 |
| 2026 | $672/mo | $637 | $703 | 13 | 3 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Related Health & Cost Data
Find Doctors
PlainDoctor — Healthcare providers in Tennessee
Hospital Quality Ratings
PlainHospital — CMS star ratings and safety scores
Medicare Plans
PlainMedicare — Medicare Advantage and Part D data
Community Health Data
PlainHealth — CDC community health indicators
Health Access Metrics
PlainHealthAccess — Uninsured rates and provider shortages
Cost of Living
PlainCost — BEA regional price parities
Homeowners Insurance
PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Clay, TN?
There are 40 ACA marketplace plans available in Clay from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Clay?
The lowest-premium plan in Clay starts at $453/mo (Bronze tier, age 27). Silver plans start at $637/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Clay?
The benchmark (second-lowest Silver) premium in Clay is $651/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Clay?
Average premiums in Clay changed by +45.0% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Clay?
The average annual deductible across all plans in Clay is $5,442, and the average out-of-pocket maximum is $9,094. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Clay?
There are 3 insurance issuers offering ACA marketplace plans in Clay, including Ambetter of Tennessee, BlueCross BlueShield of Tennessee, UnitedHealthcare. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology — how this data is sourced, computed, and verified.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
