ACA plans available
55
Plan year
2026 data Public-data reference. official source
Wayne, Tennessee Health Insurance
Open-data reference.
55 ACA plans from 4 issuers — Plan year 2026
Wayne, Tennessee offers 55 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $470/mo and Silver plans start at $639/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$684
Avg Silver Premium/mo
$640
Benchmark Premium/mo
+44.7%
Year-over-Year Change
$5,489
Avg Deductible
What the Numbers Say About Wayne
Wayne, Tennessee has 55 ACA marketplace plans offered by 4 issuers for plan year 2026. The average Silver-tier premium comes in at $684/mo for a 27-year-old non-tobacco user, with the lowest Silver at $639 and the highest at $771. Bronze plans start at $470/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $640/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 $5,489 and the average out-of-pocket maximum is $9,238 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Wayne shifted by +44.7%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 4 issuers active in Wayne, consumers have meaningful competition to pressure premiums lower. 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$493/mo avg
$470 — $512
Silver
20 plans$684/mo avg
$639 — $771
Gold
14 plans$708/mo avg
$613 — $813
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Wayne is $640/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
4
Competitive market
Benchmark Silver
$640 /mo
Sets your subsidy ceiling
Avg deductible
$5,489
Across all metal tiers
Wayne ACA plans by premium and deductible
Each marker is the Wayne 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 Wayne, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Wayne
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter of Tennessee | 16 | $662/mo |
| Oscar Insurance Company | 15 | $581/mo |
| BlueCross BlueShield of Tennessee | 12 | $661/mo |
| UnitedHealthcare | 12 | $618/mo |
All Plans in Wayne
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| UHC Bronze Essential (No Referrals) UnitedHealthcare | Bronze | EPO | $469.74 | $572.83 | $10,600 | $10,600 |
| BlueCross B15E $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Bronze | EPO | $496.98 | $606.05 | $10,600 | $10,600 |
| BlueCross B17E $0 virtual care from Teladoc Health® + Adult Dental BlueCross BlueShield of Tennessee | Bronze | EPO | $511.68 | $623.97 | $10,600 | $10,600 |
| Bronze Simple Oscar Insurance Company | Expanded Bronze | EPO | $464.58 | $566.54 | $9,000 | $10,600 |
| Bronze Classic Standard Oscar Insurance Company | Expanded Bronze | EPO | $484.79 | $591.19 | $7,500 | $10,000 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $492.44 | $600.51 | $7,500 | $10,000 |
| Bronze Simple Diabetes Oscar Insurance Company | Expanded Bronze | EPO | $492.88 | $601.04 | $5,500 | $10,150 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company | Expanded Bronze | EPO | $495.31 | $604.01 | $5,500 | $10,150 |
| Bronze Simple Chronic Care CKM Oscar Insurance Company | Expanded Bronze | EPO | $502.33 | $612.57 | $5,500 | $10,150 |
| UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $519.16 | $633.10 | $0 | $10,600 |
| Everyday Bronze Ambetter of Tennessee | Expanded Bronze | EPO | $524.07 | $639.09 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter of Tennessee | Expanded Bronze | EPO | $525.97 | $641.40 | $7,500 | $10,000 |
| BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Expanded Bronze | EPO | $530.38 | $646.78 | $7,500 | $10,000 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company | Expanded Bronze | EPO | $532.31 | $649.13 | $0 | $9,900 |
| UHC Bronze Copay Focus + (Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $535.82 | $653.41 | $0 | $10,600 |
| Everyday Bronze + Vision + Adult Dental Ambetter of Tennessee | Expanded Bronze | EPO | $538.49 | $656.67 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter of Tennessee | Expanded Bronze | EPO | $540.44 | $659.05 | $7,500 | $10,000 |
| BlueCross B16S $50 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Expanded Bronze | EPO | $572.77 | $698.48 | $7,500 | $10,000 |
| Elite Bronze Ambetter of Tennessee | Expanded Bronze | EPO | $597.04 | $728.07 | $0 | $10,500 |
| Elite Bronze + Vision + Adult Dental Ambetter of Tennessee | Expanded Bronze | EPO | $613.47 | $748.10 | $0 | $10,500 |
| BlueCross B19E $60 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Expanded Bronze | EPO | $626.11 | $763.52 | $0 | $10,600 |
| Silver Classic Standard Oscar Insurance Company | Silver | EPO | $638.84 | $779.04 | $6,000 | $8,900 |
| Silver Simple PCP Saver Oscar Insurance Company | Silver | EPO | $640.32 | $780.84 | $5,700 | $10,000 |
| Silver Simple Diabetes Oscar Insurance Company | Silver | EPO | $640.99 | $781.67 | $6,500 | $10,000 |
| Silver Simple Women's Health with Menopause Benefits Oscar Insurance Company | Silver | EPO | $641.48 | $782.27 | $6,000 | $10,150 |
| Silver Simple Chronic Care CKM Oscar Insurance Company | Silver | EPO | $642.53 | $783.54 | $5,900 | $10,150 |
| Silver Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company | Silver | EPO | $643.05 | $784.17 | $6,200 | $9,600 |
| Silver Classic Oscar Insurance Company | Silver | EPO | $645.68 | $787.38 | $6,500 | $9,400 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | EPO | $674.67 | $822.74 | $6,000 | $8,900 |
| UHC Silver Advantage (Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $682.21 | $831.93 | $3,500 | $10,500 |
| Standard Silver Ambetter of Tennessee | Silver | EPO | $683.24 | $833.19 | $6,000 | $8,900 |
| UHC Silver Copay Focus (Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $685.08 | $835.44 | $0 | $10,150 |
| BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Silver | EPO | $698.37 | $851.63 | $8,100 | $8,100 |
| UHC Silver Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $698.87 | $852.25 | $3,500 | $10,500 |
| Enhanced Diabetes Care Silver with $0 Drug Options Ambetter of Tennessee | Silver | EPO | $701.05 | $854.91 | $5,000 | $8,650 |
| Standard Silver + Vision + Adult Dental Ambetter of Tennessee | Silver | EPO | $702.04 | $856.12 | $6,000 | $8,900 |
| BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Silver | EPO | $714.01 | $870.71 | $6,000 | $8,900 |
| BlueCross S27E $60 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Silver | EPO | $716.06 | $873.21 | $5,900 | $6,900 |
| Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of Tennessee | Silver | EPO | $720.34 | $878.43 | $5,000 | $8,650 |
| BlueCross S29E $60 PCP Copay + $0 virtual care from Teladoc Health® + Adult Dental BlueCross BlueShield of Tennessee | Silver | EPO | $738.65 | $900.76 | $5,900 | $6,900 |
| BlueCross S26S $40 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee | Silver | EPO | $771.08 | $940.30 | $6,000 | $8,900 |
| Gold Classic Standard Oscar Insurance Company | Gold | EPO | $613.25 | $747.84 | $2,000 | $8,200 |
| Gold Elite Oscar Insurance Company | Gold | EPO | $640.27 | $780.79 | $500 | $7,000 |
| UHC Gold Advantage (Virtual Urgent Care, No Referrals) UnitedHealthcare | Gold | EPO | $655.32 | $799.14 | $2,000 | $8,500 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | EPO | $658.91 | $803.52 | $2,000 | $8,200 |
| UHC Gold Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Gold | EPO | $671.98 | $819.45 | $2,000 | $8,500 |
| UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) UnitedHealthcare | Gold | EPO | $674.85 | $822.95 | $0 | $8,500 |
| Standard Gold Ambetter of Tennessee | Gold | EPO | $696.68 | $849.57 | $2,000 | $8,200 |
| Everyday Gold Ambetter of Tennessee | Gold | EPO | $706.46 | $861.50 | $800 | $7,250 |
| Standard Gold + Vision + Adult Dental Ambetter of Tennessee | Gold | EPO | $715.85 | $872.95 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter of Tennessee | Gold | EPO | $725.90 | $885.21 | $800 | $7,250 |
| BlueCross G08E $30 PCP Copay + $0 virtual care from Teladoc Health ® BlueCross BlueShield of Tennessee | Gold | EPO | $745.82 | $909.50 | $2,000 | $8,200 |
| Elite Gold Ambetter of Tennessee | Gold | EPO | $790.97 | $964.56 | $0 | $6,500 |
| BlueCross G08S $30 PCP Copay + $0 virtual care from Teladoc Health ® BlueCross BlueShield of Tennessee | Gold | EPO | $805.42 | $982.18 | $2,000 | $8,200 |
| Elite Gold + Vision + Adult Dental Ambetter of Tennessee | Gold | EPO | $812.73 | $991.10 | $0 | $6,500 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $473/mo | $412 | $626 | 24 | 4 |
| 2023 | $488/mo | $437 | $562 | 26 | 4 |
| 2024 | $500/mo | $455 | $563 | 25 | 4 |
| 2025 | $497/mo | $476 | $520 | 21 | 4 |
| 2026 | $684/mo | $639 | $771 | 20 | 4 |
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 Wayne, TN?
There are 55 ACA marketplace plans available in Wayne from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Wayne?
The lowest-premium plan in Wayne starts at $470/mo (Bronze tier, age 27). Silver plans start at $639/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Wayne?
The benchmark (second-lowest Silver) premium in Wayne is $640/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 Wayne?
Average premiums in Wayne changed by +44.7% 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 Wayne?
The average annual deductible across all plans in Wayne is $5,489, and the average out-of-pocket maximum is $9,238. 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 Wayne?
There are 4 insurance issuers offering ACA marketplace plans in Wayne, including Ambetter of Tennessee, Oscar Insurance Company, BlueCross BlueShield of Tennessee, and others. 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
