Standard Silver — full price in Shelby County, Tennessee (2026)
Standard Silver (70111TN0110034), a silver plan from Ambetter of Tennessee in Shelby County, Tennessee, costs $646.11/month full price for a 40-year-old in 2026 — $1372.10 at 60, with a $6,000 deductible and $8,900 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 70111TN0110034 · Issuer: Ambetter 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 | $505.57 |
| 27 | $529.83 |
| 30 | $573.82 |
| 40 | $646.11 |
| 50 | $902.94 |
| 60 | $1372.10 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $6,000
- Family deductible: $12,000
- Individual out-of-pocket max: $8,900
- Family out-of-pocket max: $17,800
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $654.32/mo. This plan is $646.11/mo at 40 — a difference of $-8.21/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 silver plans in Shelby County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® | BlueCross BlueShield of Tennessee | $654.32 |
| Silver Classic Standard | Oscar Insurance Company | $662.85 |
| Enhanced Diabetes Care Silver with $0 Drug Options | Ambetter of Tennessee | $662.95 |
| Standard Silver + Vision + Adult Dental | Ambetter of Tennessee | $663.89 |
| Silver Simple PCP Saver | Oscar Insurance Company | $664.38 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 70111TN0110034 in FIPS 47157.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Shelby County
Reviewed by Jason Burns, Editorial Steward.