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Marketplace health plans in Jefferson County, TN — 2026
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2026, Jefferson County, Tennessee has 50 Marketplace health plans from 4 insurers: 19 bronze, 17 silver, 14 gold. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $679.55 per month; the lowest bronze premium is $480.14.
What changed vs 2025
- Benchmark silver premium up $210.27 a month (+44.8%) from 2025
- 4 fewer plans than 2025
- Lowest bronze premium up $114.96 a month
Market snapshot
- Residents under 65
- 45,100
- Insurers
- 4
- Plans by metal level
- 19 bronze, 17 silver, 14 gold
- Benchmark silver premium, age 40, before subsidies
- $679.55/mo
- Lowest bronze premium, age 40, before subsidies
- $480.14/mo
- Lowest gold premium, age 40, before subsidies
- $669.84/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $6,500
Insurers in the county
- Ambetter of Tennessee — 16 plans (Bronze, Silver, Gold)
- BlueCross BlueShield of Tennessee — 12 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 12 plans (Bronze, Silver, Gold)
- Cigna Healthcare — 10 plans (Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|
| Bronze | UHC Bronze Essential (No Referrals) (69443TN0140032) | UnitedHealthcare | EPO | $480.14 | $10,600 | $10,600 | 19 |
|---|
| Silver | Standard Silver (70111TN0110034) | Ambetter of Tennessee | EPO | $668.66 | $6,000 | $8,900 | 17 |
|---|
| Gold | UHC Gold Advantage (Virtual Urgent Care, No Referrals) (69443TN0140031) | UnitedHealthcare | EPO | $669.84 | $2,000 | $8,500 | 14 |
|---|
One plan per metal level shown, of 50 plans in the county.
Benchmark silver premium by age
The benchmark plan (BlueCross BlueShield of Tennessee) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $531.73 | $557.25 | $603.51 | $679.55 | $949.67 | $1,443.12 |
Nearby counties
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About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2026; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.