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Marketplace health plans in Shelby 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, Shelby 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 $654.32 per month; the lowest bronze premium is $465.65.
What changed vs 2025
- Benchmark silver premium up $171.32 a month (+35.5%) from 2025
- 4 more plans than 2025
- Lowest bronze premium up $78.48 a month
Market snapshot
- Residents under 65
- 783,123
- Insurers
- 5
- Plans by metal level
- 25 bronze, 24 silver, 16 gold
- Benchmark silver premium, age 40, before subsidies
- $654.32/mo
- Lowest bronze premium, age 40, before subsidies
- $465.65/mo
- Lowest gold premium, age 40, before subsidies
- $636.30/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® (14002TN0400240) | BlueCross BlueShield of Tennessee | EPO | $465.65 | $10,600 | $10,600 | 25 |
|---|
| Silver | Standard Silver (70111TN0110034) | Ambetter of Tennessee | EPO | $646.11 | $6,000 | $8,900 | 24 |
|---|
| Gold | Gold Classic Standard (23552TN0020053) | Oscar Insurance Company | EPO | $636.30 | $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 |
|---|
| $511.99 | $536.57 | $581.11 | $654.32 | $914.41 | $1,389.54 |
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.