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Marketplace health plans in Obion 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, Obion County, Tennessee has 65 Marketplace health plans from 5 insurers: 25 bronze, 24 silver, 16 gold. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $716.45 per month; the lowest bronze premium is $498.68.
What changed vs 2025
- Benchmark silver premium up $213.67 a month (+42.5%) from 2025
- 11 more plans than 2025
- Insurers entered: Oscar Insurance Company
- Lowest bronze premium up $107.43 a month
Market snapshot
- Residents under 65
- 24,034
- Insurers
- 5
- Plans by metal level
- 25 bronze, 24 silver, 16 gold
- Benchmark silver premium, age 40, before subsidies
- $716.45/mo
- Lowest bronze premium, age 40, before subsidies
- $498.68/mo
- Lowest gold premium, age 40, before subsidies
- $712.45/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $6,500
Insurers in the county
- Ambetter of Tennessee — 16 plans (Bronze, Silver, Gold)
- Oscar Insurance Company — 15 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 | BlueCross B15E $0 virtual care from Teladoc Health® (14002TN0400304) | BlueCross BlueShield of Tennessee | EPO | $498.68 | $10,600 | $10,600 | 25 |
|---|
| Silver | BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® (14002TN0400445) | BlueCross BlueShield of Tennessee | EPO | $700.74 | $8,100 | $8,100 | 24 |
|---|
| Gold | Gold Classic Standard (23552TN0020053) | Oscar Insurance Company | EPO | $712.45 | $2,000 | $8,200 | 16 |
|---|
One plan per metal level shown, of 65 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 |
|---|
| $560.60 | $587.51 | $636.28 | $716.45 | $1,001.23 | $1,521.47 |
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.