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Marketplace health plans in Polk County, TN — 2027
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 2027, Polk County, Tennessee has 59 Marketplace health plans from 4 insurers: 19 bronze, 21 silver, 18 gold, 1 platinum. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $754.13 per month; the lowest bronze premium is $569.27.
What changed vs 2026
- Benchmark silver premium up $55.59 a month (+8.0%) from 2026
- Insurers exited: Cigna Healthcare
- Lowest bronze premium up $87.25 a month
Market snapshot
- Residents under 65
- 14,134
- Insurers
- 4
- Plans by metal level
- 19 bronze, 21 silver, 18 gold, 1 platinum
- Benchmark silver premium, age 40, before subsidies
- $754.13/mo
- Lowest bronze premium, age 40, before subsidies
- $569.27/mo
- Lowest gold premium, age 40, before subsidies
- $751.53/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $5,900
Insurers in the county
- Ambetter of Tennessee — 19 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 16 plans (Bronze, Silver, Gold)
- BlueCross BlueShield of Tennessee — 14 plans (Bronze, Silver, Gold)
- Alliant Health Plans, Inc. — 10 plans (Bronze, Silver, Gold, Platinum)
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 HSA + $0 virtual care from Teladoc Health® (14002TN0400287) | BlueCross BlueShield of Tennessee | EPO | $569.27 | $11,700 | $11,700 | 19 |
| Silver | Streamlined Silver (70111TN0110022) | Ambetter of Tennessee | EPO | $737.16 | $4,700 | $11,300 | 21 |
| Gold | Signature Gold (70111TN0110035) | Ambetter of Tennessee | EPO | $751.53 | $2,500 | $8,600 | 18 |
| Platinum | Standardized Platinum EPO $0 Health $20 PCP 10005 (29854TN0010005) | Alliant Health Plans, Inc. | EPO | $1,114.29 | $0 | $5,900 | 1 |
One plan per metal level shown, of 59 plans in the county.
Benchmark silver premium by age
The benchmark plan (Ambetter 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 |
|---|---|---|---|---|---|
| $590.10 | $618.41 | $669.75 | $754.13 | $1,053.90 | $1,601.50 |
Nearby counties
Agent Tools
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Free tools for licensed insurance agents. Data from CMS public files; verify with plan documents before advising a client.
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 2027; 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.