Elite Gold — full price in Smith County, Tennessee (2026)
Elite Gold (70111TN0110031), a gold plan from Ambetter of Tennessee in Smith County, Tennessee, costs $921.54/month full price for a 40-year-old in 2026 — $1957.01 at 60, with a $0 deductible and $6,500 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 70111TN0110031 · 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 | $721.09 |
| 27 | $755.69 |
| 30 | $818.43 |
| 40 | $921.54 |
| 50 | $1287.85 |
| 60 | $1957.01 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $0
- Family deductible: $0
- Individual out-of-pocket max: $6,500
- Family out-of-pocket max: $13,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $793.80/mo. This plan is $921.54/mo at 40 — a difference of $127.74/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 gold plans in Smith County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| UHC Gold Advantage (Virtual Urgent Care, No Referrals) | UnitedHealthcare | $804.21 |
| UHC Gold Standard (No Referrals) | UnitedHealthcare | $808.63 |
| Standard Gold | Ambetter of Tennessee | $811.69 |
| Everyday Gold | Ambetter of Tennessee | $823.08 |
| UHC Gold Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) | UnitedHealthcare | $824.66 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 70111TN0110031 in FIPS 47159.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Smith County
Reviewed by Jason Burns, Editorial Steward.