What health insurance costs without a subsidy in Davidson County, Tennessee (2026)
In Davidson County, Tennessee, the benchmark silver plan costs $752.48/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $545.97 to $1045.74. A 60-year-old pays at least $1159.43/month, a 21-year-old at least $427.21. 5 insurers offer 65 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $427.21/mo
- Age 40 — starting at $545.97/mo
- Age 60 — starting at $1159.43/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $577.22/mo
- Silver — starting at $750.75/mo
- Gold — starting at $720.67/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Ambetter of Tennessee, BlueCross BlueShield of Tennessee, Cigna Healthcare, Oscar Insurance Company, UnitedHealthcare
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
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Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Davidson County (FIPS 47037).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in Tennessee
- Cannon County — $793.80/mo benchmark
- Clay County — $793.80/mo benchmark
- Cumberland County — $793.80/mo benchmark
- DeKalb County — $793.80/mo benchmark
- Fentress County — $793.80/mo benchmark
Plans available in this county (65)
- UHC Bronze Essential (No Referrals) — Bronze · $577.22/mo @ 40
- BlueCross B15E $0 virtual care from Teladoc Health® — Bronze · $582.18/mo @ 40
- BlueCross B17E $0 virtual care from Teladoc Health® + Adult Dental — Bronze · $599.38/mo @ 40
- Connect Bronze 7500 Indiv Med Deductible — Bronze · $644.47/mo @ 40
- Bronze Simple — Expanded Bronze · $545.97/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $569.72/mo @ 40
- Bronze Simple Diabetes — Expanded Bronze · $579.21/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $582.07/mo @ 40
- Bronze Simple Chronic Care CKM — Expanded Bronze · $590.32/mo @ 40
- Everyday Bronze — Expanded Bronze · $598.39/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $600.56/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $605.11/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $614.86/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $617.08/mo @ 40
- BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® — Expanded Bronze · $621.30/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $625.55/mo @ 40
- UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals) — Expanded Bronze · $637.95/mo @ 40
- UHC Bronze Copay Focus + (Virtual Urgent Care, Dental + Vision, No Referrals) — Expanded Bronze · $658.42/mo @ 40
- Connect Bronze 8500 Indiv Med Deductible — Expanded Bronze · $662.73/mo @ 40
- Connect Bronze CMS Standard — Expanded Bronze · $667.13/mo @ 40
- Elite Bronze — Expanded Bronze · $681.70/mo @ 40
- Connect myDiabetesCare Bronze — Expanded Bronze · $683.73/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $700.46/mo @ 40
- BlueCross B19E $60 PCP Copay + $0 virtual care from Teladoc Health® — Expanded Bronze · $733.43/mo @ 40
- BlueCross B16S $50 PCP Copay + $0 virtual care from Teladoc Health® — Expanded Bronze · $743.68/mo @ 40
- Gold Classic Standard — Gold · $720.67/mo @ 40
- Gold Elite — Gold · $752.42/mo @ 40
- Standard Gold — Gold · $795.47/mo @ 40
- UHC Gold Advantage (Virtual Urgent Care, No Referrals) — Gold · $805.26/mo @ 40
- Everyday Gold — Gold · $806.64/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $809.68/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $817.36/mo @ 40
- UHC Gold Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) — Gold · $825.73/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $828.84/mo @ 40
- UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) — Gold · $829.26/mo @ 40
- Connect Gold CMS Standard — Gold · $856.00/mo @ 40
- Connect Gold 1500 Indiv Med Deductible — Gold · $860.59/mo @ 40
- BlueCross G08E $30 PCP Copay + $0 virtual care from Teladoc Health ® — Gold · $873.67/mo @ 40
- Elite Gold — Gold · $903.13/mo @ 40
- Elite Gold + Vision + Adult Dental — Gold · $927.98/mo @ 40
Showing first 40 of 65 plans on file.
Reviewed by Jason Burns, Editorial Steward.