Cheapest Health Insurance in Tennessee (2024 Plans)


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Switching from Silver can affect premiums and expenses. In Tennessee, the most affordable plans are offered by Blue Cross Blue Shield for Bronze and by Oscar for Catastrophic. Ambetter provides the most affordable plans for Expanded Bronze, Gold and Silver.

If you are looking to balance monthly premiums with quality claims and coverage, MoneyGeek analyzed the best health insurance in Tennessee.

MoneyGeek Logo IconCheapestHealth InsuranceTennessee
2024

Why Trust MoneyGeek? We downloaded plan data for Tennessee directly from the Centers for Medicare and Medicaid Services (CMS).

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Plan data was updated with the CMS exchange data released in October, the latest available data for the 2024 enrollment period.

114Plans Analyzed
 
12Providers Compared

Cheapest Health Insurance in Tennessee by Metal Tier

The Standard Silver SELECT plan from Ambetter stands out as the cheapest in the widely-chosen Silver tier in Tennessee, at a monthly cost of $466. Silver plans typically balance monthly premiums with out-of-pocket costs. For those willing to consider higher out-of-pocket expenses, Bronze plans serve as a more cost-effective option.

Health insurance premiums are influenced by the metal tier selected, presenting a direct correlation between higher monthly costs and reduced out-of-pocket expenses, such as deductibles and co-pays.

Here are the most affordable health insurance plans from each metal tier:

  • Catastrophic: Secure (Oscar) $263 per month (Only available for individuals under 30 or with a qualifying hardship exemption.)
  • Bronze: BlueCross B15L $0 Virtual Care for Medical & Mental Health (Blue Cross Blue Shield) $360 per month
  • Expanded Bronze: Standard Expanded Bronze SELECT (Ambetter) $361 per month
  • Silver: Standard Silver SELECT (Ambetter) $466 per month
  • Gold: Standard Gold SELECT (Ambetter) $471 per month

To find more options for cheap health insurance, explore the different metal tiers and corresponding plans that fit a variety of health care needs and budgets.

Data filtered by:Results filtered by:
Age:
Age:40
CatastrophicSecureOscar$328$9,450
BronzeBlueCross B15L $0 Virtual Care for Medical & Mental HealthBlue Cross Blue Shield$360$9,450
Expanded BronzeStandard Expanded Bronze SELECTAmbetter$361$9,400
SilverStandard Silver SELECTAmbetter$466$9,100
GoldStandard Gold SELECTAmbetter$471$8,700
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WHAT ARE METAL TIERS?

In the Tennessee health insurance marketplace, consumers have several metal tier options: Bronze, Catastrophic, Expanded Bronze, Gold and Silver. Each tier represents a different level of cost-sharing between the insurer and the insured.

Bronze plans typically have the lowest monthly premiums but higher out-of-pocket costs when seeking health care services. This might be suitable for those who do not require frequent medical attention. Gold plans offer lower out-of-pocket expenses but come with higher monthly premiums, making them a better fit for individuals who anticipate needing regular or comprehensive health care services.

Silver plans strike a balance between monthly premiums and out-of-pocket expenses. Importantly, for individuals with incomes below 250% of the Federal Poverty Level, Silver plans qualify for cost-sharing reductions (CSRs). CSRs effectively lower the amount one has to pay for deductibles, co-insurance and copayments, making health care more affordable and accessible for lower-income enrollees.

By carefully considering your health care needs, budget and potential for cost-sharing reductions, you can select the metal tier that offers the most appropriate balance for your circumstances.

Cheapest Silver Plans in Tennessee

The most affordable Silver health plan in Tennessee is the Standard Silver SELECT from Ambetter, priced at $466 per month.

The three most affordable Silver health plans in Tennessee are:

  • Standard Silver SELECT from Ambetter ($466 per month)
  • BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health from Blue Cross Blue Shield ($467 per month)
  • BlueCross S24L $35 PCP Copay + $0 Virtual Care for Medical & Mental Health from Blue Cross Blue Shield ($467 per month)

Silver plans are particularly suitable for individuals who anticipate needing moderate health care services. These plans strike a balance between monthly premiums and out-of-pocket costs when accessing care. Moreover, for those eligible for cost-sharing reductions, Silver plans can offer even lower copays, deductibles and a reduced maximum out-of-pocket limit, making health care more accessible and affordable.

Data filtered by:Results filtered by:
Age:
Age:40
Ambetter$466$9,100Standard Silver SELECT
Blue Cross Blue Shield$467$6,700BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$467$8,900BlueCross S24L $35 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$467$9,100BlueCross S26L $40 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$469$9,450BlueCross S25L $55 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$490$6,700BlueCross S27E $60 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$492$8,900BlueCross S24E $35 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$492$6,800BlueCross S28E $30 PCP Copay at Blue of TN + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$492$9,100BlueCross S26E $40 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$495$9,450BlueCross S25E $55 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$509$6,450BlueCross S04L $0 Virtual Care for Medical & Mental Health
Oscar$522$9,100Silver Classic Standard
Ambetter$525$9,100Standard Silver
Ambetter$525$5,400Clear Silver
Oscar$528$8,900Silver Simple PCP Saver
Cigna$529$9,050Connect Silver 4000 Indiv Med Deductible
Cigna$531$9,100Connect Silver CMS Standard
Cigna$532$9,100Connect Silver 5000 Indiv Med Deductible
Cigna$533$9,300Connect Silver 3000 Indiv Med Deductible
Cigna$534$9,450Connect Silver 0 Indiv Med Deductible
US HEALTH AND LIFE INSURANCE COMPANY$534$9,000Ascension Personalized Care Low Premium Silver
Ambetter$535$8,000Focused Silver
US HEALTH AND LIFE INSURANCE COMPANY$536$9,100Ascension Personalized Care Standard Silver
Blue Cross Blue Shield$536$6,450BlueCross S04E $0 Virtual Care for Medical & Mental Health
Oscar$537$8,800Silver Classic
Oscar$538$8,550Silver Simple Breathe Easy with Enhanced COPD Benefits
Oscar$538$8,550Silver Simple Diabetes
Ambetter$539$8,400Everyday Silver
Ambetter$543$9,100Standard Silver + Vision + Adult Dental
Ambetter$543$5,400Clear Silver + Vision + Adult Dental
Ambetter$544$8,500Complete Silver
Ambetter$554$8,000Focused Silver + Vision + Adult Dental
Ambetter$558$8,400Everyday Silver + Vision + Adult Dental
Ambetter$563$8,500Complete Silver + Vision + Adult Dental
US HEALTH AND LIFE INSURANCE COMPANY$566$9,450Ascension Personalized Care No Deductible Silver
Blue Cross Blue Shield$578$6,700BlueCross S27S $60 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$578$8,900BlueCross S24S $35 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$581$9,450BlueCross S25S $55 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$581$9,100BlueCross S26S $40 PCP Copay + $0 Virtual Care for Medical & Mental Health
UnitedHealthcare$590$9,450UHC Silver Value
UnitedHealthcare$594$9,450UHC Silver Advantage
UnitedHealthcare$598$9,100UHC Silver Standard
UnitedHealthcare$600$9,450UHC Silver Copay Focus
UnitedHealthcare$610$9,450UHC Silver Advantage+
Blue Cross Blue Shield$630$6,450BlueCross S04S $0 Virtual Care for Medical & Mental Health

Cheapest Gold Plans in Tennessee

The most affordable Gold tier plan in Tennessee is the Standard Gold SELECT from Ambetter, with a monthly cost of $471. It is not the only Gold plan available in the state.

The three most affordable Gold plans in Tennessee include:

  • Standard Gold SELECT from Ambetter ($471 per month)
  • Everyday Gold from Ambetter ($530 per month)
  • Standard Gold from Ambetter ($531 per month)

Gold plans are ideal for customers who expect to need moderate to high levels of care. They generally offer lower out-of-pocket costs when accessing health care services, which can be beneficial for those with ongoing medical needs. These plans are a good fit for individuals who are willing to pay a higher monthly premium in exchange for more predictable costs for doctor visits, prescription medications and other health care services.

Data filtered by:Results filtered by:
Age:
Age:40
Ambetter$471$8,700Standard Gold SELECT
Ambetter$530$7,500Everyday Gold
Ambetter$531$8,700Standard Gold
Ambetter$549$7,500Everyday Gold + Vision + Adult Dental
Ambetter$549$8,700Standard Gold + Vision + Adult Dental
Ambetter$554$7,500Complete Gold
Ambetter$573$7,500Complete Gold + Vision + Adult Dental
Ambetter$607$5,500Elite Gold
Oscar$613$8,700Gold Classic Standard
US HEALTH AND LIFE INSURANCE COMPANY$626$8,700Ascension Personalized Care Standard Gold
Ambetter$628$5,500Elite Gold + Vision + Adult Dental
Blue Cross Blue Shield$649$6,200BlueCross G07E $10 PCP Copay at Blue of TN + $0 Virtual Care for Medical & Mental Health
Oscar$650$5,500Gold Classic
Oscar$662$5,500Gold Elite
Blue Cross Blue Shield$664$6,600BlueCross G06L $35 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$675$8,700BlueCross G08L $30 PCP Copay + $0 Virtual Care for Medical & Mental Health
Cigna$698$8,700Connect Gold CMS Standard
Blue Cross Blue Shield$700$6,600BlueCross G06E $35 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$711$8,700BlueCross G08E $30 PCP Copay + $0 Virtual Care for Medical & Mental Health
Cigna$714$7,500Connect Gold 500 Indiv Med Deductible
Blue Cross Blue Shield$796$4,800BlueCross G07S $10 PCP Copay at Blue of TN + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$825$6,600BlueCross G06S $35 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$839$8,700BlueCross G08S $30 PCP Copay + $0 Virtual Care for Medical & Mental Health
UnitedHealthcare$843$8,700UHC Gold Standard
UnitedHealthcare$849$7,500UHC Gold Advantage+
UnitedHealthcare$850$7,500UHC Gold Copay Focus

Cheapest Bronze Plans in Tennessee

The BlueCross B15L $0 Virtual Care for Medical & Mental Health from Blue Cross Blue Shield stands out as the most affordable, with a monthly cost of $360.

The three most affordable Bronze health plans available in Tennessee are:

  • BlueCross B15L $0 Virtual Care for Medical & Mental Health from Blue Cross Blue Shield ($360 per month)
  • BlueCross B15E $0 Virtual Care for Medical & Mental Health from Blue Cross Blue Shield ($379 per month)
  • Bronze Simple 2 from Oscar ($397 per month)

Bronze plans are generally designed for individuals who want to keep their monthly premiums low and don't expect to need frequent medical care. These options are good for those who are willing to pay a little more out-of-pocket for health care services if they do need them. They are cost-effective for healthy people who want to have coverage for major medical events.

Data filtered by:Results filtered by:
Age:
Age:40
Blue Cross Blue Shield$360$9,450BlueCross B15L $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$379$9,450BlueCross B15E $0 Virtual Care for Medical & Mental Health
Oscar$397$9,100Bronze Simple 2
UnitedHealthcare$443$9,450UHC Bronze Essential
Blue Cross Blue Shield$446$9,450BlueCross B15S $0 Virtual Care for Medical & Mental Health
Cigna$453$9,450Connect Bronze 6500 Indiv Med Deductible
Blue Cross Blue Shield$463$8,700BlueCross B08S $0 Virtual Care for Medical & Mental Health

Cheapest Expanded Bronze Plans in Tennessee

The most affordable Expanded Bronze tier health plan in Tennessee is the Standard Expanded Bronze SELECT offered by Ambetter, with a monthly cost of $361.

The three most affordable Expanded Bronze health plans in Tennessee are:

  • Standard Expanded Bronze SELECT from Ambetter ($361 per month)
  • Ascension Personalized Care Balanced Bronze from US HEALTH AND LIFE INSURANCE COMPANY ($382 per month)
  • Ascension Personalized Care Standard Expanded Bronze from US HEALTH AND LIFE INSURANCE COMPANY ($385 per month)

Expanded Bronze plans are suitable for individuals who want lower monthly premiums and are comfortable with higher out-of-pocket costs when accessing medical care. These plans typically appeal to those who are relatively healthy and do not expect to need frequent health care services. They offer a balance between monthly costs and out-of-pocket expenses, making them a good middle ground for cost-conscious customers.

Data filtered by:Results filtered by:
Age:
Age:40
Ambetter$361$9,400Standard Expanded Bronze SELECT
US HEALTH AND LIFE INSURANCE COMPANY$382$9,450Ascension Personalized Care Balanced Bronze
US HEALTH AND LIFE INSURANCE COMPANY$385$9,400Ascension Personalized Care Standard Expanded Bronze
Blue Cross Blue Shield$392$9,400BlueCross B16L $50 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$394$8,600BlueCross B10L $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$401$7,100BlueCross B07L HSA + $0 Virtual Care for Medical & Mental Health
Ambetter$407$9,400Standard Expanded Bronze
Blue Cross Blue Shield$413$9,400BlueCross B16E $50 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$414$8,600BlueCross B10E $0 Virtual Care for Medical & Mental Health
Ambetter$414$9,250Everyday Bronze
Blue Cross Blue Shield$416$9,100BlueCross B11E $25 PCP Copay at Blue of TN + $0 Virtual Care for Medical & Mental Health
US HEALTH AND LIFE INSURANCE COMPANY$418$9,450Ascension Personalized Care No Medical Deductible Bronze
Blue Cross Blue Shield$420$7,100BlueCross B07E HSA $0 Virtual Care for Medical & Mental Health
Ambetter$421$7,250Choice Bronze HSA
Ambetter$421$9,400Standard Expanded Bronze + Vision + Adult Dental
Blue Cross Blue Shield$423$7,100BlueCross B07E HSA + $0 Virtual Care for Medical & Mental Health
Ambetter$429$9,250Everyday Bronze + Vision + Adult Dental
Ambetter$435$7,250Choice Bronze HSA + Vision + Adult Dental
Oscar$452$9,400Bronze Classic Standard
UnitedHealthcare$456$9,450UHC Bronze Value
Oscar$460$9,100Bronze Classic PCP Saver Plus
UnitedHealthcare$465$8,050UHC Bronze Value HSA
Cigna$467$9,450Connect Bronze 8500 Indiv Med Deductible
UnitedHealthcare$467$9,400UHC Bronze Standard
Cigna$468$9,400Connect Bronze CMS Standard
Cigna$469$9,450Connect Bronze 5500 Indiv Med Deductible
Oscar$469$8,900Bronze Classic 4700
UnitedHealthcare$471$9,450UHC Bronze Copay Focus
Ambetter$473$9,250Elite Bronze
Cigna$474$9,450Connect Bronze 3500 Indiv Med Deductible Enhanced Diabetes Care
Blue Cross Blue Shield$487$9,400BlueCross B16S $50 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$488$8,600BlueCross B10S $0 Virtual Care for Medical & Mental Health
Ambetter$490$9,250Elite Bronze + Vision + Adult Dental
Blue Cross Blue Shield$496$7,100BlueCross B07S HSA + $0 Virtual Care for Medical & Mental Health
Oscar$507$9,450Bronze Elite + PCP Saver Plus

Cheapest Catastrophic Plans in Tennessee

The Secure plan from Oscar stands out as the most affordable Catastrophic tier plan in Tennessee with a monthly cost of $263.

Typically, only adults under 30 can purchase Catastrophic plans. However, some older adults who qualify for a hardship exemption based on their monthly income may also be eligible.

Data filtered by:Results filtered by:
Age:
Age:26
Oscar$263$9,450Secure

Cheapest Health Insurance in Tennessee for Those With Low Income

Individuals in Tennessee with annual earnings up to 250% below the Federal Poverty Level are eligible for cost-sharing reductions on Silver plans. These reductions make health care more affordable by lowering the costs of deductibles and out-of-pocket expenses.

The most affordable Silver plan for Tennesseans with an income between $14,580 and $21,870 per year is the Standard Silver SELECT from Ambetter, with a maximum out-of-pocket cost (MOOP) of $1,800.

The two most affordable Silver plans in Tennessee with their respective costs are:

  • Standard Silver SELECT from Ambetter (monthly cost: $466, MOOP: $1,800)
  • BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health from Blue Cross Blue Shield (monthly cost: $467, MOOP: $650)

To receive cost-sharing reductions in Tennessee, a Silver plan must be selected. The annual income figures referenced are for single individuals and vary based on household size.

Data filtered by:Results filtered by:
Age:
Age:40
Annual Income:
Annual Income:$14,580 to $21,870 per year
Ambetter$466$1,800Standard Silver SELECT
Blue Cross Blue Shield$467$650BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$467$850BlueCross S24L $35 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$467$1,800BlueCross S26L $40 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$469$650BlueCross S25L $55 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$490$650BlueCross S27E $60 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$492$850BlueCross S24E $35 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$492$650BlueCross S28E $30 PCP Copay at Blue of TN + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$492$1,800BlueCross S26E $40 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$495$650BlueCross S25E $55 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$509$625BlueCross S04L $0 Virtual Care for Medical & Mental Health
Oscar$522$1,800Silver Classic Standard
Ambetter$525$1,800Standard Silver
Ambetter$525$550Clear Silver
Oscar$528$1,550Silver Simple PCP Saver
Cigna$529$1,750Connect Silver 4000 Indiv Med Deductible
Cigna$531$1,800Connect Silver CMS Standard
Cigna$532$1,000Connect Silver 5000 Indiv Med Deductible
Cigna$533$1,300Connect Silver 3000 Indiv Med Deductible
Cigna$534$1,350Connect Silver 0 Indiv Med Deductible
US HEALTH AND LIFE INSURANCE COMPANY$534$1,200Ascension Personalized Care Low Premium Silver
Ambetter$535$1,350Focused Silver
US HEALTH AND LIFE INSURANCE COMPANY$536$1,800Ascension Personalized Care Standard Silver
Blue Cross Blue Shield$536$625BlueCross S04E $0 Virtual Care for Medical & Mental Health
Oscar$537$1,550Silver Classic
Oscar$538$1,300Silver Simple Breathe Easy with Enhanced COPD Benefits
Oscar$538$1,200Silver Simple Diabetes
Ambetter$539$1,400Everyday Silver
Ambetter$543$1,800Standard Silver + Vision + Adult Dental
Ambetter$543$550Clear Silver + Vision + Adult Dental
Ambetter$544$1,700Complete Silver
Ambetter$554$1,350Focused Silver + Vision + Adult Dental
Ambetter$558$1,400Everyday Silver + Vision + Adult Dental
Ambetter$563$1,700Complete Silver + Vision + Adult Dental
US HEALTH AND LIFE INSURANCE COMPANY$566$550Ascension Personalized Care No Deductible Silver
Blue Cross Blue Shield$578$650BlueCross S27S $60 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$578$850BlueCross S24S $35 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$581$650BlueCross S25S $55 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$581$1,800BlueCross S26S $40 PCP Copay + $0 Virtual Care for Medical & Mental Health
UnitedHealthcare$590$1,100UHC Silver Value
UnitedHealthcare$594$1,500UHC Silver Advantage
UnitedHealthcare$598$1,800UHC Silver Standard
UnitedHealthcare$600$1,500UHC Silver Copay Focus
UnitedHealthcare$610$1,200UHC Silver Advantage+
Blue Cross Blue Shield$630$625BlueCross S04S $0 Virtual Care for Medical & Mental Health
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WHAT IS A COST-SHARING REDUCTION?

Cost-sharing reductions (CSRs) are discounts that lower the amount you pay for deductibles, copayments and co-insurance on Silver health insurance plans. To qualify, your income must fall between 100% and 250% of the federal poverty level.

For example, at 73% AV Level, the Silver plan from Ambetter for a 40-year-old has a maximum out-of-pocket cost of $7,200. However, with a higher CSR at 94% AV Level, the same plan's max out-of-pocket drops significantly to $1,800, demonstrating substantial savings on health care expenses.

Cheapest Health Insurance in Tennessee by Plan Type

EPO (Exclusive Provider Organization) plans are the most common type available in Tennessee. The most affordable EPO plan in Tennessee is the Standard Silver SELECT from Ambetter, costing $466 per month.

Data filtered by:Results filtered by:
Age:
Age:40
Plan Type:
Plan Type:EPO
Ambetter$466$9,100Standard Silver SELECT
Blue Cross Blue Shield$467$6,700BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$467$8,900BlueCross S24L $35 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$467$9,100BlueCross S26L $40 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$469$9,450BlueCross S25L $55 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$490$6,700BlueCross S27E $60 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$492$8,900BlueCross S24E $35 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$492$6,800BlueCross S28E $30 PCP Copay at Blue of TN + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$492$9,100BlueCross S26E $40 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$495$9,450BlueCross S25E $55 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$509$6,450BlueCross S04L $0 Virtual Care for Medical & Mental Health
Oscar$522$9,100Silver Classic Standard
Ambetter$525$9,100Standard Silver
Ambetter$525$5,400Clear Silver
Oscar$528$8,900Silver Simple PCP Saver
Cigna$529$9,050Connect Silver 4000 Indiv Med Deductible
Cigna$531$9,100Connect Silver CMS Standard
Cigna$532$9,100Connect Silver 5000 Indiv Med Deductible
Cigna$533$9,300Connect Silver 3000 Indiv Med Deductible
Cigna$534$9,450Connect Silver 0 Indiv Med Deductible
US HEALTH AND LIFE INSURANCE COMPANY$534$9,000Ascension Personalized Care Low Premium Silver
Ambetter$535$8,000Focused Silver
US HEALTH AND LIFE INSURANCE COMPANY$536$9,100Ascension Personalized Care Standard Silver
Blue Cross Blue Shield$536$6,450BlueCross S04E $0 Virtual Care for Medical & Mental Health
Oscar$537$8,800Silver Classic
Oscar$538$8,550Silver Simple Breathe Easy with Enhanced COPD Benefits
Oscar$538$8,550Silver Simple Diabetes
Ambetter$539$8,400Everyday Silver
Ambetter$543$9,100Standard Silver + Vision + Adult Dental
Ambetter$543$5,400Clear Silver + Vision + Adult Dental
Ambetter$544$8,500Complete Silver
Ambetter$554$8,000Focused Silver + Vision + Adult Dental
Ambetter$558$8,400Everyday Silver + Vision + Adult Dental
Ambetter$563$8,500Complete Silver + Vision + Adult Dental
US HEALTH AND LIFE INSURANCE COMPANY$566$9,450Ascension Personalized Care No Deductible Silver
Blue Cross Blue Shield$578$6,700BlueCross S27S $60 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$578$8,900BlueCross S24S $35 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$581$9,450BlueCross S25S $55 PCP Copay + $0 Virtual Care for Medical & Mental Health
Blue Cross Blue Shield$581$9,100BlueCross S26S $40 PCP Copay + $0 Virtual Care for Medical & Mental Health
UnitedHealthcare$590$9,450UHC Silver Value
UnitedHealthcare$594$9,450UHC Silver Advantage
UnitedHealthcare$598$9,100UHC Silver Standard
UnitedHealthcare$600$9,450UHC Silver Copay Focus
UnitedHealthcare$610$9,450UHC Silver Advantage+
Blue Cross Blue Shield$630$6,450BlueCross S04S $0 Virtual Care for Medical & Mental Health
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EXCLUSIVE PROVIDER ORGANIZATION PLANS EXPLAINED

In Tennessee, the most common type of health insurance plan is the Exclusive Provider Organization (EPO) plan.

  • Pros: Typically offers lower premiums than some other plan types and does not require referrals to see specialists. EPO plans encourage the use of a network of providers for all non-emergency services.
  • Cons: There is limited coverage for out-of-network care, which can result in higher out-of-pocket costs if one chooses to go outside the network.

Cheapest Health Insurance in Tennessee by County

Health insurance rates and availability of certain plans vary by county in Tennessee.

Comparing the most affordable plans in the largest and smallest counties by population in Tennessee reveals the following differences in monthly rates:

  • Shelby: Standard Silver SELECT from Ambetter ($451 per month)
  • Pickett: Standard Silver from Ambetter ($573 per month)

The following table displays all available plans in each county in Tennessee.

Data filtered by:Results filtered by:
County:
County:Shelby
Ambetter$451$9,100Standard Silver SELECT
Blue Cross Blue Shield$463$6,800BlueCross S28E $30 PCP Copay at Blue of TN + $0 Virtual Care for Medical & Mental Health

Health Insurance Costs in Tennessee by Age and Metal Tier

In Tennessee, health insurance rates within metal tiers depend on age. An 18-year-old with a Silver plan pays about $390, while a 60-year-old pays about $1,158 for the same Silver plan. That's a $768 increase per month.

Metal tiers reflect different coverage levels. Monthly, a 40-year-old with a Bronze plan pays $437, compared with $685 for a Gold plan — a difference of $248.

Health Insurance Costs in Tennessee by Age and Metal Tier

What to Know About Health Insurance in Tennessee

MoneyGeek analyzed all the health insurance choices in Tennessee. We offer guidance on private insurance through the marketplace for metal tiers such as Bronze, Silver and Gold, while also covering options like Medicaid and Medicare. Our aim is to help you understand your choices for health care so you can make smart decisions.

Private Health Insurance in the Tennessee Marketplace

In Tennessee, as in the rest of the U.S., the open enrollment period typically runs from November 1st to December 15th each year. During this time, residents can shop for private health insurance coverage through the Health Insurance Marketplace, comparing plans to find the one best suited to their needs. If you miss this deadline, you may have to wait until the following year's open enrollment unless you qualify for a Special Enrollment Period (SEP). SEPs are triggered by life events such as marriage, divorce, birth of a child, or loss of other health coverage, allowing you to enroll outside the standard period.

Medicaid in Tennessee

Medicaid is a government-funded health care program designed to assist low-income individuals and families with medical expenses. In Tennessee, eligibility is determined primarily by income, family size and certain categories, including pregnant women, children, individuals with disabilities and seniors. Eligibility requirements also consider factors such as U.S. citizenship or qualified non-citizen status, residency in Tennessee and having a Social Security number. Adults without children may qualify under the expansion criteria if their income is within the specified threshold. Applicants are assessed based on the Modified Adjusted Gross Income (MAGI) methodology to determine financial eligibility.

Medicare in Tennessee

Medicare is a federal health insurance program for individuals aged 65 and over, certain younger people with disabilities and those with End-Stage Renal Disease or ALS. Tennessee residents are eligible under the same federal requirements. Medicare Part A covers hospital insurance, including inpatient care, skilled nursing facility care and some home health care. Part B provides medical insurance, covering services from doctors, outpatient care, medical supplies and preventive services. Part C, or Medicare Advantage, is an alternative way to receive A and B benefits, often with additional coverage, through private health plans. Part D covers prescription drugs and supplemental coverage, known as Medigap, provides coverage beyond the basics of parts A and B.

Best Medicare Advantage Plans in Tennessee and the best Medicare Supplement plans in Tennessee have been identified by MoneyGeek.

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Tennessee Health Insurance FAQ

When looking for health insurance, you may have questions about cost and availability. MoneyGeek responded to frequently asked questions about cheap private health insurance in Tennessee to help you learn more.

What are the cheapest Silver and Gold plans in Tennessee for 2024?

What are the downsides of a cheap health insurance plan?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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