What health insurance costs without a subsidy in Madison County, Tennessee (2026)
In Madison County, Tennessee, the benchmark silver plan costs $716.45/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $498.68 to $880.60. A 60-year-old pays at least $1059.00/month, a 21-year-old at least $390.20. 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 $390.20/mo
- Age 40 — starting at $498.68/mo
- Age 60 — starting at $1059.00/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $498.68/mo
- Silver — starting at $700.74/mo
- Gold — starting at $712.45/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 Madison County (FIPS 47113).
- 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)
- BlueCross B15E $0 virtual care from Teladoc Health® — Bronze · $498.68/mo @ 40
- BlueCross B17E $0 virtual care from Teladoc Health® + Adult Dental — Bronze · $513.41/mo @ 40
- UHC Bronze Essential (No Referrals) — Bronze · $572.80/mo @ 40
- Connect Bronze 7500 Indiv Med Deductible — Bronze · $587.19/mo @ 40
- BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® — Expanded Bronze · $532.18/mo @ 40
- Bronze Simple — Expanded Bronze · $539.74/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $563.22/mo @ 40
- Everyday Bronze — Expanded Bronze · $567.84/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $569.89/mo @ 40
- Bronze Simple Diabetes — Expanded Bronze · $572.60/mo @ 40
- BlueCross B16S $50 PCP Copay + $0 virtual care from Teladoc Health® — Expanded Bronze · $573.48/mo @ 40
- Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $575.43/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $583.46/mo @ 40
- Bronze Simple Chronic Care CKM — Expanded Bronze · $583.59/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $585.57/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $600.49/mo @ 40
- Connect Bronze 8500 Indiv Med Deductible — Expanded Bronze · $603.83/mo @ 40
- Connect Bronze CMS Standard — Expanded Bronze · $607.83/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $618.41/mo @ 40
- Connect myDiabetesCare Bronze — Expanded Bronze · $622.96/mo @ 40
- BlueCross B19E $60 PCP Copay + $0 virtual care from Teladoc Health® — Expanded Bronze · $628.24/mo @ 40
- UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals) — Expanded Bronze · $633.07/mo @ 40
- Elite Bronze — Expanded Bronze · $646.90/mo @ 40
- UHC Bronze Copay Focus + (Virtual Urgent Care, Dental + Vision, No Referrals) — Expanded Bronze · $653.39/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $664.70/mo @ 40
- Gold Classic Standard — Gold · $712.45/mo @ 40
- Gold Elite — Gold · $743.84/mo @ 40
- BlueCross G08E $30 PCP Copay + $0 virtual care from Teladoc Health ® — Gold · $748.36/mo @ 40
- Standard Gold — Gold · $754.86/mo @ 40
- Everyday Gold — Gold · $765.45/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $775.63/mo @ 40
- Connect Gold CMS Standard — Gold · $779.93/mo @ 40
- Connect Gold 1500 Indiv Med Deductible — Gold · $784.10/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $786.52/mo @ 40
- UHC Gold Advantage (Virtual Urgent Care, No Referrals) — Gold · $799.11/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $803.49/mo @ 40
- BlueCross G08S $30 PCP Copay + $0 virtual care from Teladoc Health ® — Gold · $806.42/mo @ 40
- UHC Gold Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) — Gold · $819.42/mo @ 40
- UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) — Gold · $822.92/mo @ 40
- Elite Gold — Gold · $857.02/mo @ 40
Showing first 40 of 65 plans on file.
Reviewed by Jason Burns, Editorial Steward.