Bronze Elite + PCP Saver Plus — full price in Madison County, Tennessee (2026)
Bronze Elite + PCP Saver Plus (23552TN0020005), a expanded bronze plan from Oscar Insurance Company in Madison County, Tennessee, costs $618.41/month full price for a 40-year-old in 2026 — $1313.28 at 60, with a $0 deductible and $9,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 23552TN0020005 · Issuer: Oscar Insurance Company · 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 | $483.90 |
| 27 | $507.12 |
| 30 | $549.22 |
| 40 | $618.41 |
| 50 | $864.23 |
| 60 | $1313.28 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $9,900
- Family out-of-pocket max: $19,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $716.45/mo. This plan is $618.41/mo at 40 — a difference of $-98.04/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.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other expanded bronze plans in Madison County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® | BlueCross BlueShield of Tennessee | $532.18 |
| Bronze Simple | Oscar Insurance Company | $539.74 |
| Bronze Classic Standard | Oscar Insurance Company | $563.22 |
| Everyday Bronze | Ambetter of Tennessee | $567.84 |
| Standard Expanded Bronze | Ambetter of Tennessee | $569.89 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 23552TN0020005 in FIPS 47113.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Madison County
Reviewed by Jason Burns, Editorial Steward.