What health insurance costs without a subsidy in Hamilton County, Tennessee (2026)

Cost by age (2026, before subsidy)

• Age 21 — starting at $377.18/mo
• Age 40 — starting at $482.02/mo
• Age 60 — starting at $1023.64/mo

Cost by metal level (age 40, 2026)

• Bronze — starting at $536.98/mo
• Silver — starting at $697.87/mo
• Gold — starting at $681.35/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

Alliant Health Plans, Inc., Ambetter of Tennessee, BlueCross BlueShield of Tennessee, Cigna Healthcare, 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.

Estimate your own number →

Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.

Sources

• CMS PY2026 QHP Landscape — Individual Market Medical (opens in new tab) — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Hamilton County (FIPS 47065).
• HealthCare.gov (opens in new tab) — 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

All Tennessee counties →

Plans available in this county (59)

• BlueCross B15E $0 virtual care from Teladoc Health® — Bronze · $536.98/mo @ 40
• UHC Bronze Essential (No Referrals) — Bronze · $548.27/mo @ 40
• BlueCross B17E $0 virtual care from Teladoc Health® + Adult Dental — Bronze · $552.85/mo @ 40
• Connect Bronze 7500 Indiv Med Deductible — Bronze · $560.85/mo @ 40
• SoloCare Exp Bronze EPO $9500 DED 10015 — Expanded Bronze · $482.02/mo @ 40
• SoloCare Standard Exp Bronze EPO $7500 DED 10008 — Expanded Bronze · $492.32/mo @ 40
• Everyday Bronze — Expanded Bronze · $535.29/mo @ 40
• Standard Expanded Bronze — Expanded Bronze · $537.23/mo @ 40
• SoloCare Bronze EPO $8500 DED HSA 10004 — Expanded Bronze · $549.90/mo @ 40
• Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $550.02/mo @ 40
• Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $552.01/mo @ 40
• BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® — Expanded Bronze · $573.07/mo @ 40
• UHC Bronze Standard (No Referrals) — Expanded Bronze · $574.77/mo @ 40
• Connect Bronze 8500 Indiv Med Deductible — Expanded Bronze · $576.74/mo @ 40
• Connect Bronze CMS Standard — Expanded Bronze · $580.57/mo @ 40
• Connect myDiabetesCare Bronze — Expanded Bronze · $595.01/mo @ 40
• UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals) — Expanded Bronze · $605.96/mo @ 40
• Elite Bronze — Expanded Bronze · $609.82/mo @ 40
• UHC Bronze Copay Focus + (Virtual Urgent Care, Dental + Vision, No Referrals) — Expanded Bronze · $625.41/mo @ 40
• Elite Bronze + Vision + Adult Dental — Expanded Bronze · $626.60/mo @ 40
• BlueCross B19E $60 PCP Copay + $0 virtual care from Teladoc Health® — Expanded Bronze · $676.48/mo @ 40
• BlueCross B16S $50 PCP Copay + $0 virtual care from Teladoc Health® — Expanded Bronze · $691.41/mo @ 40
• SoloCare Standard Gold EPO $2000 DED 10006 — Gold · $681.35/mo @ 40
• SoloCare Gold EPO $1500 DED 10010 — Gold · $698.54/mo @ 40
• Standard Gold — Gold · $711.59/mo @ 40
• Everyday Gold — Gold · $721.58/mo @ 40
• Standard Gold + Vision + Adult Dental — Gold · $731.17/mo @ 40
• Everyday Gold + Vision + Adult Dental — Gold · $741.44/mo @ 40
• Connect Gold CMS Standard — Gold · $744.93/mo @ 40
• Connect Gold 1500 Indiv Med Deductible — Gold · $748.93/mo @ 40
• UHC Gold Advantage (Virtual Urgent Care, No Referrals) — Gold · $764.88/mo @ 40
• UHC Gold Standard (No Referrals) — Gold · $769.08/mo @ 40
• UHC Gold Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) — Gold · $784.33/mo @ 40
• UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) — Gold · $787.68/mo @ 40
• BlueCross G08E $30 PCP Copay + $0 virtual care from Teladoc Health ® — Gold · $805.83/mo @ 40
• Elite Gold — Gold · $807.90/mo @ 40
• Elite Gold + Vision + Adult Dental — Gold · $830.13/mo @ 40
• BlueCross G08S $30 PCP Copay + $0 virtual care from Teladoc Health ® — Gold · $972.25/mo @ 40
• SoloCare Standard Platinum EPO $0 DED 10005 — Platinum · $859.21/mo @ 40
• Standard Silver — Silver · $697.87/mo @ 40

Showing first 40 of 59 plans on file. Every remaining plan is listed below.

All other plans in Hamilton County

• SoloCare Standard Silver EPO $6000 DED 10007 — Silver
• Enhanced Diabetes Care Silver with $0 Drug Options — Silver
• Standard Silver + Vision + Adult Dental — Silver
• SoloCare Silver EPO $6500 DED 10013 — Silver
• Connect Silver 4500 Indiv Med Deductible — Silver
• Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver
• Connect Silver CMS Standard — Silver
• Connect Silver 3000 Indiv Med Deductible — Silver
• Connect myDiabetesCare Silver — Silver
• BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® — Silver
• SoloCare Silver EPO $5000 DED 10014 — Silver
• BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® — Silver
• BlueCross S27E $60 PCP Copay + $0 virtual care from Teladoc Health® — Silver
• UHC Silver Standard (No Referrals) — Silver
• UHC Silver Advantage (Virtual Urgent Care, No Referrals) — Silver
• BlueCross S29E $60 PCP Copay + $0 virtual care from Teladoc Health® + Adult Dental — Silver
• UHC Silver Copay Focus (Virtual Urgent Care, No Referrals) — Silver
• UHC Silver Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) — Silver
• BlueCross S26S $40 PCP Copay + $0 virtual care from Teladoc Health® — Silver