ACA plans available
40
Plan year 2026
CMS Marketplace county · plan year 2026
Warren, Tennessee ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $672
- Silver avg/mo
- 40
- ACA plans
- 3
- Issuers
- +36.2%
- YoY premium
Silver avg $672/mo
Warren, Tennessee has 40 ACA marketplace plans from 3 issuers (plan year 2026). Average Silver premium is $672/mo; Bronze averages $513/mo and Gold $693/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #724 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $651/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Warren, Tennessee ranks #724 of 2,055 counties by listed Silver average ($672/mo) and #1,213 of 2,055 by plan count (40 plans).
- #724 of 2,055
- Silver average among 2,055 counties
- $672
- Listed Silver average /mo
- #1,213 of 2,055
- Plan count among 2,055 counties
- 40
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Warren, 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 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$672
Avg Silver Premium/mo
$651
Benchmark Premium/mo
+36.2%
Year-over-Year Change
$5,442
Avg Deductible
Mid-pack marketplace
Warren marketplace standing
40 plans from 3 issuers for plan year 2026. Corpus place #724 of 2055 (highest Silver = #1).
Mid-pack Silver avg $672/mo with 40 plans . YoY average shift: +36.2%. Every plan sold in Warren is EPO -- there's no alternative network type in this county, so weigh EPO's referral rules and out-of-network coverage before enrolling.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
15 plans$513/mo avg
$453 - $586
Silver
13 plans$672/mo avg
$637 - $703
Gold
12 plans$693/mo avg
$659 - $776
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Warren 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.
Issuers in market
3
Some competition
Benchmark Silver
$651 /mo
Sets your subsidy ceiling
Avg deductible
$5,442
Across all metal tiers
F
Marketplace Access Score
30/100
Warren
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability F
$651/mo
Benchmark Silver premium; rank #724 of 2055 tracked counties (cheapest first)
Plan Choice D
40 plans
ACA marketplace plan count; rank #1213 of 2055 tracked counties (most first)
Issuer Competition F
3 issuers
Distinct marketplace issuers; rank #1598 of 2055 tracked counties (most first)
Cost Predictability F
$5,442
Average deductible across tracked plans; rank #402 of 2055 tracked counties (lowest first)
Warren ACA plans by premium and deductible
Each marker is the Warren average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Warren ACA marketplace plans: premium vs deductible
How Warren's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Warren vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$672 724th of 2055 higher than 1,330 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Issuers in Warren
| 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 Warren
| 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 |
What this means for Warren
Use Warren's own numbers here, not a national average, before you enroll.
- $672/mo Silver average is mid-pack nationally -- estimate your own subsidy before comparing tiers. Estimate your subsidy
- 40 plans from 3 issuers here -- see how that stacks up against the cheapest counties nationwide. See cheapest counties
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Where does Warren sit on Silver premiums vs other counties?
Warren ranks #724 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $672/mo. See /methodology#corpus-placement.
How many ACA plans are available in Warren, TN?
There are 40 ACA marketplace plans available in Warren from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Warren?
The lowest-premium plan in Warren 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 Warren?
The benchmark (second-lowest Silver) premium in Warren is $651/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Warren premiums rise +36.2% year-over-year?
The average age-27 premium in Warren changed by +36.2% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
What is the average deductible and out-of-pocket maximum in Warren?
The average annual deductible across all plans in Warren 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 Warren?
There are 3 insurance issuers offering ACA marketplace plans in Warren, 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.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Warren, TN's $651/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for Warren, TN, both outside TN so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($651/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (3 here).
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.