What health insurance costs without a subsidy in Smith County, Tennessee (2026)
In Smith County, Tennessee, the benchmark silver plan costs $793.80/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $552.52 to $946.90. A 60-year-old pays at least $1173.34/month, a 21-year-old at least $432.33. 3 insurers offer 40 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 $432.33/mo
- Age 40 — starting at $552.52/mo
- Age 60 — starting at $1173.34/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $552.52/mo
- Silver — starting at $776.40/mo
- Gold — starting at $804.21/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, 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 Smith County (FIPS 47159).
- 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 (40)
- BlueCross B15E $0 virtual care from Teladoc Health® — Bronze · $552.52/mo @ 40
- BlueCross B17E $0 virtual care from Teladoc Health® + Adult Dental — Bronze · $568.85/mo @ 40
- UHC Bronze Essential (No Referrals) — Bronze · $576.46/mo @ 40
- BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® — Expanded Bronze · $589.66/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $604.32/mo @ 40
- Everyday Bronze — Expanded Bronze · $610.59/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $612.80/mo @ 40
- BlueCross B16S $50 PCP Copay + $0 virtual care from Teladoc Health® — Expanded Bronze · $618.74/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $627.39/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $629.66/mo @ 40
- UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals) — Expanded Bronze · $637.12/mo @ 40
- UHC Bronze Copay Focus + (Virtual Urgent Care, Dental + Vision, No Referrals) — Expanded Bronze · $657.56/mo @ 40
- Elite Bronze — Expanded Bronze · $695.60/mo @ 40
- BlueCross B19E $60 PCP Copay + $0 virtual care from Teladoc Health® — Expanded Bronze · $696.08/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $714.74/mo @ 40
- UHC Gold Advantage (Virtual Urgent Care, No Referrals) — Gold · $804.21/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $808.63/mo @ 40
- Standard Gold — Gold · $811.69/mo @ 40
- Everyday Gold — Gold · $823.08/mo @ 40
- UHC Gold Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) — Gold · $824.66/mo @ 40
- UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) — Gold · $828.18/mo @ 40
- BlueCross G08E $30 PCP Copay + $0 virtual care from Teladoc Health ® — Gold · $829.17/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $834.02/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $845.73/mo @ 40
- BlueCross G08S $30 PCP Copay + $0 virtual care from Teladoc Health ® — Gold · $870.06/mo @ 40
- Elite Gold — Gold · $921.54/mo @ 40
- Elite Gold + Vision + Adult Dental — Gold · $946.90/mo @ 40
- BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® — Silver · $776.40/mo @ 40
- BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® — Silver · $793.80/mo @ 40
- Standard Silver — Silver · $796.04/mo @ 40
- BlueCross S27E $60 PCP Copay + $0 virtual care from Teladoc Health® — Silver · $796.08/mo @ 40
- Enhanced Diabetes Care Silver with $0 Drug Options — Silver · $816.78/mo @ 40
- Standard Silver + Vision + Adult Dental — Silver · $817.94/mo @ 40
- BlueCross S29E $60 PCP Copay + $0 virtual care from Teladoc Health® + Adult Dental — Silver · $821.19/mo @ 40
- UHC Silver Standard (No Referrals) — Silver · $827.96/mo @ 40
- BlueCross S26S $40 PCP Copay + $0 virtual care from Teladoc Health® — Silver · $832.96/mo @ 40
- UHC Silver Advantage (Virtual Urgent Care, No Referrals) — Silver · $837.21/mo @ 40
- Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental — Silver · $839.26/mo @ 40
- UHC Silver Copay Focus (Virtual Urgent Care, No Referrals) — Silver · $840.74/mo @ 40
- UHC Silver Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) — Silver · $857.66/mo @ 40
Reviewed by Jason Burns, Editorial Steward.