Oscar offers the cheapest health insurance policies in Tennessee at $747 monthly. Oscar ranks as the most affordable statewide, with availability varying by county. Consider Cigna Healthcare, Blue Cross Blue Shield, UnitedHealthcare, Alliant Health Plans, Inc. and Ambetter for competitive health plan rates in the state.
Cheapest Health Insurance in Tennessee (2026)
Updated: December 21, 2025
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Key Takeaways
Oscar offers the lowest health insurance rates in Tennessee at $747 per month, making it the most budget-friendly option for residents wanting comprehensive coverage.
While Oscar dominates overall affordability, Alliant Health Plans provides the cheapest rates for young adults, adults, seniors and EPO plans in Tennessee.
Finding affordable health insurance requires determining your coverage needs within budget, verifying subsidy eligibility and obtaining quotes from multiple companies.
Most Affordable Health Insurance Companies in Tennessee
| Oscar | $747 | $18 | $8,964 | $216 |
| Cigna Healthcare | $755 | $10 | $9,060 | $120 |
| Blue Cross Blue Shield | $764 | $1 | $9,168 | $12 |
| UnitedHealthcare | $765 | $0 | $9,180 | $0 |
| Alliant Health Plans, Inc. | $771 | $6 | $9,252 | $72 |
| Ambetter | $793 | $28 | $9,516 | $336 |
*Average monthly rates represent the rounded mean of each provider's monthly plan rates in Tennessee. Average monthly savings show how much cheaper each provider is compared to the statewide average monthly rate. Your actual rates will vary based on age, location and chosen plan.
Oscar Insurance Company
MoneyGeek Rating
4.0/ 5
4.9/5Affordability
2.5/5Deductible
2.6/5MOOP
Average Monthly Rate
$747Average MOOP
$6,608Average Deductible
$3,586
Cheapest Tennessee Health Insurance Providers by Profile
Though we've outlined the most affordable health insurance companies in Tennessee, your cheapest plan varies based on age, plan type preference and metal level. You should also weigh premiums against deductibles and maximum out-of-pocket (MOOP) costs.
| Children | Alliant Health Plans, Inc. | $437 | $5,244 | $5,762 | $3,110 |
| Teens | Alliant Health Plans, Inc. | $522 | $6,259 | $5,762 | $3,110 |
| Young Adults | Alliant Health Plans, Inc. | $585 | $7,019 | $5,762 | $3,110 |
| Adults | Alliant Health Plans, Inc. | $730 | $8,761 | $5,762 | $3,110 |
| EPO | Alliant Health Plans, Inc. | $730 | $8,761 | $5,762 | $3,110 |
| Seniors | Alliant Health Plans, Inc. | $1,550 | $18,604 | $5,762 | $3,110 |
* Rates shown are averages for silver-tier plans, using the following ages for each group: teens age 18, young adults age 26, adults age 40, seniors age 60. For plan type costs, we used average rates for 40-year-olds.
Cheapest Tennessee Health Insurance by Metal Level
Your metal tier choice affects the balance between monthly premiums and out-of-pocket costs when you need care. Bronze plans feature the cheapest monthly payments but require more cost-sharing when visiting doctors. Platinum plans cost more each month but minimize expenses for medical services.
Choose based on your healthcare needs since Bronze saves money if you're healthy, but Gold or Platinum works better if you see doctors frequently.
Blue Cross Blue Shield offers the cheapest Bronze plans in Tennessee at $534 monthly, while Alliant Health Plans has the lowest rates across Silver, Gold and Platinum tiers, with rates as high as $859 for Platinum coverage.
| Expanded Bronze | Alliant Health Plans, Inc. | $508 | $6,097 | $7,163 | $6,375 |
| Bronze | Blue Cross Blue Shield | $534 | $6,406 | $7,950 | $7,950 |
| Gold | Alliant Health Plans, Inc. | $690 | $8,279 | $6,263 | $1,313 |
| Silver | Alliant Health Plans, Inc. | $730 | $8,761 | $5,762 | $3,110 |
| Platinum | Alliant Health Plans, Inc. | $859 | $10,311 | $3,900 | $0 |
* Rates shown are the provider's average at the given metal tier for 40-year-olds.
Compare Cheap Tennessee Health Insurance Plans
Find Tennessee's most affordable health insurance options below:
Data filtered by:
EPO
Silver
40
No
| Alliant Health Plans, Inc. | Solocare Standard Silver Epo $6000 Ded 10007 | $699 | EPO | Silver | $5,657 | $3,100 | 40 | No |
| Alliant Health Plans, Inc. | Solocare Silver Epo $6500 Ded 10013 | $731 | EPO | Silver | $5,871 | $3,357 | 40 | No |
| Oscar | Silver Classic Standard | $734 | EPO | Silver | $5,657 | $3,100 | 40 | No |
| Ambetter | Standard Silver | $735 | EPO | Silver | $5,657 | $3,100 | 40 | No |
| Oscar | Silver Simple Pcp Saver | $735 | EPO | Silver | $6,071 | $3,200 | 40 | No |
| Oscar | Silver Simple Diabetes | $736 | EPO | Silver | $6,143 | $3,557 | 40 | No |
| Oscar | Silver Simple Women'S Health With Menopause Benefits | $737 | EPO | Silver | $6,207 | $3,481 | 40 | No |
| Oscar | Silver Simple Chronic Care Ckm | $738 | EPO | Silver | $6,200 | $3,357 | 40 | No |
| Oscar | Silver Simple Breathe Easy With Enhanced Copd Benefits | $739 | EPO | Silver | $5,893 | $3,529 | 40 | No |
| Blue Cross Blue Shield | Bluecross S34e $45 Pcp Copay + $0 Virtual Care From Teladoc Health® | $739 | EPO | Silver | $4,936 | $4,936 | 40 | No |
How to Find the Cheapest Health Insurance in Tennessee
Use these steps to find affordable coverage matching your health care needs while staying within budget.
- 1Choose a plan type within your budget
Your ideal coverage depends on your health status and financial situation. Consider your current health needs and assess your risk factors based on age, lifestyle and location. Research each type of plan to determine which one works best for your specific circumstances and budget.
- 2Check if you qualify for subsidies
Tennessee residents may qualify for 2026 health insurance subsidies based on household size and income. These financial credits help people earning between 100% and 400% of the Federal Poverty Level.
- 3Look into Medicare options if you qualify
Age-eligible Tennessee residents should explore Medicare Advantage plans and Medicare Supplement plans. These federal programs often cost less than marketplace plans while offering greater provider flexibility and coverage options.
- 4Compare drug coverage options
Check each plan's prescription formulary to see if your regularly taken medications are covered. Insurance companies place drugs on different cost tiers, and some insurers offer better pricing for common medications than others.
- 5Shop during Open Enrollment period
Tennessee's Open Enrollment runs from November 1 through January 15 each year. You might qualify for Special Enrollment after major life changes like losing employment, getting divorced or having a baby.
Cheapest Health Insurance in Tennessee: Bottom Line
Oscar, Cigna Healthcare and Blue Cross Blue Shield offer Tennessee's most affordable health insurance. These are our recommendations, though you should get quotes from multiple companies across different plan types and tiers to secure the best rate.
Cheap Tennessee Health Insurance: FAQ
Below are answers to typical questions about affordable health insurance in Tennessee:
What is the cheapest health insurance in Tennessee?
Oscar offers the most affordable health insurance in Tennessee, with Silver plans averaging $747 monthly for 40-year-olds.
What are the downsides of a cheap health insurance plan?
Cheap health insurance plans come with high deductibles (often $5,000-$8,000 annually) and out-of-pocket maximums reaching $18,200. You'll pay substantially more when you actually need care, while limited provider networks may force you to switch doctors or travel further for treatment.
Do I qualify for subsidies on health insurance in Tennessee?
You qualify for subsidies on health insurance in Tennessee if your household income falls between 100% and 400% of the Federal Poverty Level. Tennessee uses the federal HealthCare.gov marketplace to determine eligibility based on your income and family size. Complete an application during open enrollment to see your estimated subsidy amounts.
When can I enroll in health insurance in Tennessee?
You can enroll in Tennessee health insurance during Open Enrollment from November 1 to January 15. You may also qualify for Special Enrollment if you experience a qualifying life event like marriage, job loss or having a baby outside the standard enrollment window.
How We Decided the Cheapest Health Insurance Companies in Tennessee
To identify Tennessee's most affordable health insurance options, we gathered plan information from the federal health insurance marketplace for consumers aged 18 to 60, specifically examining costs for 18, 26, 40, 50 and 60-year-olds. We determined the cheapest overall options by focusing on 40-year-olds' monthly premiums since this age represents the state's demographic center and simplifies our analysis.
Age-specific rankings reflect their respective premium costs. Lower monthly premiums often come with higher deductibles and out-of-pocket maximums, which could increase your costs when you need care.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.