What health insurance costs without a subsidy in Unicoi County, Tennessee (2026)
In Unicoi County, Tennessee, the benchmark silver plan costs $693.47/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $482.69 to $852.23. A 60-year-old pays at least $1025.05/month, a 21-year-old at least $377.69. 4 insurers offer 50 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 $377.69/mo
- Age 40 — starting at $482.69/mo
- Age 60 — starting at $1025.05/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $482.69/mo
- Silver — starting at $678.26/mo
- Gold — starting at $724.36/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, 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 Unicoi County (FIPS 47171).
- 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 (50)
- BlueCross B15E $0 virtual care from Teladoc Health® — Bronze · $482.69/mo @ 40
- BlueCross B17E $0 virtual care from Teladoc Health® + Adult Dental — Bronze · $496.95/mo @ 40
- UHC Bronze Essential (No Referrals) — Bronze · $547.00/mo @ 40
- Connect Bronze 7500 Indiv Med Deductible — Bronze · $547.05/mo @ 40
- BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® — Expanded Bronze · $515.12/mo @ 40
- BlueCross B16S $50 PCP Copay + $0 virtual care from Teladoc Health® — Expanded Bronze · $529.96/mo @ 40
- Everyday Bronze — Expanded Bronze · $549.54/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $551.53/mo @ 40
- Connect Bronze 8500 Indiv Med Deductible — Expanded Bronze · $562.55/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $564.66/mo @ 40
- Connect Bronze CMS Standard — Expanded Bronze · $566.28/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $566.71/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $573.44/mo @ 40
- Connect myDiabetesCare Bronze — Expanded Bronze · $580.38/mo @ 40
- UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals) — Expanded Bronze · $604.55/mo @ 40
- BlueCross B19E $60 PCP Copay + $0 virtual care from Teladoc Health® — Expanded Bronze · $608.09/mo @ 40
- UHC Bronze Copay Focus + (Virtual Urgent Care, Dental + Vision, No Referrals) — Expanded Bronze · $623.95/mo @ 40
- Elite Bronze — Expanded Bronze · $626.05/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $643.28/mo @ 40
- BlueCross G08E $30 PCP Copay + $0 virtual care from Teladoc Health ® — Gold · $724.36/mo @ 40
- Connect Gold CMS Standard — Gold · $726.61/mo @ 40
- Connect Gold 1500 Indiv Med Deductible — Gold · $730.50/mo @ 40
- Standard Gold — Gold · $730.53/mo @ 40
- Everyday Gold — Gold · $740.79/mo @ 40
- BlueCross G08S $30 PCP Copay + $0 virtual care from Teladoc Health ® — Gold · $745.23/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $750.64/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $761.17/mo @ 40
- UHC Gold Advantage (Virtual Urgent Care, No Referrals) — Gold · $763.11/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $767.30/mo @ 40
- UHC Gold Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) — Gold · $782.51/mo @ 40
- UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) — Gold · $785.85/mo @ 40
- Elite Gold — Gold · $829.40/mo @ 40
- Elite Gold + Vision + Adult Dental — Gold · $852.23/mo @ 40
- BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® — Silver · $678.26/mo @ 40
- BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® — Silver · $693.47/mo @ 40
- BlueCross S27E $60 PCP Copay + $0 virtual care from Teladoc Health® — Silver · $695.46/mo @ 40
- BlueCross S26S $40 PCP Copay + $0 virtual care from Teladoc Health® — Silver · $713.44/mo @ 40
- Standard Silver — Silver · $716.45/mo @ 40
- Connect Silver 4500 Indiv Med Deductible — Silver · $716.57/mo @ 40
- BlueCross S29E $60 PCP Copay + $0 virtual care from Teladoc Health® + Adult Dental — Silver · $717.39/mo @ 40
Showing first 40 of 50 plans on file.
Reviewed by Jason Burns, Editorial Steward.