BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® — full price in Lauderdale County, Tennessee (2026)
BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® (14002TN0400254), a expanded bronze plan from BlueCross BlueShield of Tennessee in Lauderdale County, Tennessee, costs $496.94/month full price for a 40-year-old in 2026 — $1055.31 at 60, with a $7,500 deductible and $10,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 14002TN0400254 · Issuer: BlueCross BlueShield of Tennessee · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $388.84 |
| 27 | $407.50 |
| 30 | $441.33 |
| 40 | $496.94 |
| 50 | $694.47 |
| 60 | $1055.31 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $7,500
- Family deductible: $15,000
- Individual out-of-pocket max: $10,000
- Family out-of-pocket max: $20,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $654.32/mo. This plan is $496.94/mo at 40 — a difference of $-157.38/mo.
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 — how much less depends on income, household size, and county benchmark.
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Other expanded bronze plans in Lauderdale County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Bronze Simple | Oscar Insurance Company | $482.04 |
| Everyday Bronze | Ambetter of Tennessee | $495.59 |
| Standard Expanded Bronze | Ambetter of Tennessee | $497.38 |
| Bronze Classic Standard | Oscar Insurance Company | $503.01 |
| Everyday Bronze + Vision + Adult Dental | Ambetter of Tennessee | $509.23 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 14002TN0400254 in FIPS 47097.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Lauderdale County
Reviewed by Jason Burns, Editorial Steward.