Tennessee ACA Health Insurance
95 counties, 6 issuers, 158 plans
Premium Range
Premiums in Tennessee range from $382/mo to $858/mo (age 27 base rate).
Reading the Tennessee Marketplace
The ACA marketplace in Tennessee lists 158 plans from 6 issuers spread across 95 counties. The statewide average premium is $583/mo for a 27-year-old, $711/mo at age 40, and $1,511/mo at age 60 — reflecting the ACA's 3-to-1 age rating band. Individual plan premiums run from $382 at the low end to $858 at the high end, before subsidies.
Geography drives most of the within-state variation: Bedford posts the highest Silver average at $684/mo, while Anderson sits at $582/mo — a gap shaped by local issuer competition, hospital pricing, and risk-pool composition rather than benefit differences, since every marketplace plan must cover the same 10 essential health benefits. The statewide average annual deductible is $5,353, the amount most enrollees must pay before non-preventive coverage begins.
Premium tax credits (APTCs) further reduce what most enrollees pay out of pocket, with the size of the subsidy keyed to each county's benchmark (second-lowest Silver) premium. This page is informational only and is not insurance, medical, or tax advice — confirm your exact plan options, network providers, and subsidy eligibility at HealthCare.gov before enrolling. Source: CMS Marketplace Public Use Files.
Top 5 most-expensive counties — Tennessee (Silver avg)
Source: CMS Healthcare.gov + state-based exchange rate filings (PY 2025) Tennessee ACA marketplace premiums by county and metal tier (Plan Year 2025 Rate Filing) · 2025 CMS publishes Healthcare.gov rate filings annually for the federal exchange; state-based exchanges publish on their own schedules. Premiums shown are pre-subsidy and reflect age-27 Silver averages.
Most Expensive Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Bedford | $684/mo | 55 | 4 |
| 2 | Coffee | $684/mo | 55 | 4 |
| 3 | Dickson | $684/mo | 55 | 4 |
| 4 | Giles | $684/mo | 55 | 4 |
| 5 | Hickman | $684/mo | 55 | 4 |
Most Affordable Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Anderson | $582/mo | 50 | 4 |
| 2 | Blount | $582/mo | 50 | 4 |
| 3 | Campbell | $582/mo | 50 | 4 |
| 4 | Claiborne | $582/mo | 50 | 4 |
| 5 | Cocke | $582/mo | 50 | 4 |
All Counties in Tennessee
| County | Silver Avg | Bronze Avg | Gold Avg | Plans | Issuers | YoY |
|---|---|---|---|---|---|---|
| Anderson | $582 | $414 | $592 | 50 | 4 | +45.5% |
| Bedford | $684 | $493 | $708 | 55 | 4 | +44.7% |
| Benton | $627 | $445 | $648 | 65 | 5 | +46.5% |
| Bledsoe | $625 | $451 | $630 | 59 | 5 | +43.2% |
| Blount | $582 | $414 | $592 | 50 | 4 | +45.5% |
| Bradley | $625 | $451 | $630 | 59 | 5 | +43.2% |
| Campbell | $582 | $414 | $592 | 50 | 4 | +45.5% |
| Cannon | $672 | $464 | $693 | 40 | 3 | +45.0% |
| Carroll | $627 | $445 | $648 | 65 | 5 | +46.5% |
| Carter | $603 | $425 | $626 | 50 | 4 | +44.0% |
| Cheatham | $670 | $493 | $690 | 65 | 5 | +47.5% |
| Chester | $627 | $445 | $648 | 65 | 5 | +46.5% |
| Claiborne | $582 | $414 | $592 | 50 | 4 | +45.5% |
| Clay | $672 | $464 | $693 | 40 | 3 | +45.0% |
| Cocke | $582 | $414 | $592 | 50 | 4 | +45.5% |
| Coffee | $684 | $493 | $708 | 55 | 4 | +44.7% |
| Crockett | $627 | $445 | $648 | 65 | 5 | +46.5% |
| Cumberland | $672 | $464 | $693 | 40 | 3 | +45.0% |
| Davidson | $670 | $493 | $690 | 65 | 5 | +47.5% |
| Decatur | $627 | $445 | $648 | 65 | 5 | +46.5% |
| DeKalb | $672 | $464 | $693 | 40 | 3 | +45.0% |
| Dickson | $684 | $493 | $708 | 55 | 4 | +44.7% |
| Dyer | $627 | $445 | $648 | 65 | 5 | +46.5% |
| Fayette | $590 | $434 | $608 | 65 | 5 | +40.9% |
| Fentress | $672 | $464 | $693 | 40 | 3 | +45.0% |
| Franklin | $625 | $451 | $630 | 59 | 5 | +43.2% |
| Gibson | $627 | $445 | $648 | 65 | 5 | +46.5% |
| Giles | $684 | $493 | $708 | 55 | 4 | +44.7% |
| Grainger | $582 | $414 | $592 | 50 | 4 | +45.5% |
| Greene | $603 | $425 | $626 | 50 | 4 | +44.0% |
| Grundy | $625 | $451 | $630 | 59 | 5 | +43.2% |
| Hamblen | $582 | $414 | $592 | 50 | 4 | +45.5% |
| Hamilton | $625 | $451 | $630 | 59 | 5 | +43.2% |
| Hancock | $603 | $425 | $626 | 50 | 4 | +44.0% |
| Hardeman | $627 | $445 | $648 | 65 | 5 | +46.5% |
| Hardin | $627 | $445 | $648 | 65 | 5 | +46.5% |
| Hawkins | $603 | $425 | $626 | 50 | 4 | +44.0% |
| Haywood | $590 | $434 | $608 | 65 | 5 | +40.9% |
| Henderson | $627 | $445 | $648 | 65 | 5 | +46.5% |
| Henry | $627 | $445 | $648 | 65 | 5 | +46.5% |
| Hickman | $684 | $493 | $708 | 55 | 4 | +44.7% |
| Houston | $684 | $493 | $708 | 55 | 4 | +44.7% |
| Humphreys | $684 | $493 | $708 | 55 | 4 | +44.7% |
| Jackson | $672 | $464 | $693 | 40 | 3 | +45.0% |
| Jefferson | $582 | $414 | $592 | 50 | 4 | +45.5% |
| Johnson | $603 | $425 | $626 | 50 | 4 | +44.0% |
| Knox | $582 | $414 | $592 | 50 | 4 | +45.5% |
| Lake | $627 | $445 | $648 | 65 | 5 | +46.5% |
| Lauderdale | $590 | $434 | $608 | 65 | 5 | +40.9% |
| Lawrence | $684 | $493 | $708 | 55 | 4 | +44.7% |
| Lewis | $684 | $493 | $708 | 55 | 4 | +44.7% |
| Lincoln | $684 | $493 | $708 | 55 | 4 | +44.7% |
| Loudon | $582 | $414 | $592 | 50 | 4 | +45.5% |
| Macon | $672 | $464 | $693 | 40 | 3 | +45.0% |
| Madison | $627 | $445 | $648 | 65 | 5 | +46.5% |
| Marion | $625 | $451 | $630 | 59 | 5 | +43.2% |
| Marshall | $684 | $493 | $708 | 55 | 4 | +44.7% |
| Maury | $684 | $493 | $708 | 55 | 4 | +44.7% |
| McMinn | $625 | $451 | $630 | 59 | 5 | +43.2% |
| McNairy | $627 | $445 | $648 | 65 | 5 | +46.5% |
| Meigs | $625 | $451 | $630 | 59 | 5 | +43.2% |
| Monroe | $582 | $414 | $592 | 50 | 4 | +45.5% |
| Montgomery | $670 | $493 | $690 | 65 | 5 | +47.5% |
| Moore | $684 | $493 | $708 | 55 | 4 | +44.7% |
| Morgan | $582 | $414 | $592 | 50 | 4 | +45.5% |
| Obion | $627 | $445 | $648 | 65 | 5 | +46.5% |
| Overton | $672 | $464 | $693 | 40 | 3 | +45.0% |
| Perry | $684 | $493 | $708 | 55 | 4 | +44.7% |
| Pickett | $672 | $464 | $693 | 40 | 3 | +45.0% |
| Polk | $625 | $451 | $630 | 59 | 5 | +43.2% |
| Putnam | $672 | $464 | $693 | 40 | 3 | +45.0% |
| Rhea | $625 | $451 | $630 | 59 | 5 | +43.2% |
| Roane | $582 | $414 | $592 | 50 | 4 | +45.5% |
| Robertson | $670 | $493 | $690 | 65 | 5 | +47.5% |
| Rutherford | $670 | $493 | $690 | 65 | 5 | +47.5% |
| Scott | $582 | $414 | $592 | 50 | 4 | +45.5% |
| Sequatchie | $625 | $451 | $630 | 59 | 5 | +43.2% |
| Sevier | $582 | $414 | $592 | 50 | 4 | +45.5% |
| Shelby | $590 | $434 | $608 | 65 | 5 | +40.9% |
| Smith | $672 | $464 | $693 | 40 | 3 | +45.0% |
| Stewart | $684 | $493 | $708 | 55 | 4 | +44.7% |
| Sullivan | $603 | $425 | $626 | 50 | 4 | +44.0% |
| Sumner | $670 | $493 | $690 | 65 | 5 | +47.5% |
| Tipton | $590 | $434 | $608 | 65 | 5 | +40.9% |
| Trousdale | $670 | $493 | $690 | 65 | 5 | +47.5% |
| Unicoi | $603 | $425 | $626 | 50 | 4 | +44.0% |
| Union | $582 | $414 | $592 | 50 | 4 | +45.5% |
| Van Buren | $672 | $464 | $693 | 40 | 3 | +45.0% |
| Warren | $672 | $464 | $693 | 40 | 3 | +45.0% |
| Washington | $603 | $425 | $626 | 50 | 4 | +44.0% |
| Wayne | $684 | $493 | $708 | 55 | 4 | +44.7% |
| Weakley | $627 | $445 | $648 | 65 | 5 | +46.5% |
| White | $672 | $464 | $693 | 40 | 3 | +45.0% |
| Williamson | $670 | $493 | $690 | 65 | 5 | +47.5% |
| Wilson | $670 | $493 | $690 | 65 | 5 | +47.5% |
Health Insurance Guides
Related Health & Cost Data
ACA Health Insurance in Tennessee
The Affordable Care Act marketplace in Tennessee offers 158 health insurance plans from 6 issuers across 95 counties. Premiums vary significantly by geography: the most expensive county (Bedford) averages $684/mo for a Silver plan, while the most affordable (Anderson) averages $582/mo.
Many consumers qualify for premium tax credits that significantly reduce monthly costs. Subsidies are based on household income relative to the federal poverty level. The average deductible across plans is $5,353, though lower-deductible options are available at higher monthly premiums.
Frequently Asked Questions
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What is the average deductible for health plans in Tennessee? ▼
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are base rates for a 27-year-old non-tobacco user unless otherwise noted. Actual premiums vary by age, location, tobacco use, and subsidy eligibility. Source: CMS Marketplace PUF.
Read our methodology — how this data is sourced, computed, and verified.
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