ACA Direct Answers

What ACA marketplace plans are available in Clay County, Tennessee in 2026?

Clay County, Tennessee has 40 ACA marketplace plans from 3 insurers in 2026, with monthly premiums for a 40-year-old ranging from $553 to $947 and a benchmark (second-lowest-cost silver) plan at $794 per month, per the CMS PY2026 QHP Landscape file.

Updated July 21, 2026 · Reviewed by Jason Burns, Editorial Steward

Three lowest-cost silver plans at age 40

  • BlueCross BlueShield of Tennessee — BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® · $776.40/mo · deductible $8,100 · MOOP $8,100
  • BlueCross BlueShield of Tennessee — BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® · $793.80/mo · deductible $6,000 · MOOP $8,900
  • Ambetter of Tennessee — Standard Silver · $796.04/mo · deductible $6,000 · MOOP $8,900

See the full Clay County plan table with all issuers, metal tiers, and cost-sharing →

Source: PY2026 QHP Landscape, Individual Market Medical (CMS Public Use File, released May 2026).