What ACA marketplace plans are available in Memphis, Tennessee in 2026?
Memphis, Tennessee (population 618,980), covering ZIP codes 37501, 37544, 38101, 38103, 38104 and 56 more sits in Shelby County, where 65 ACA marketplace plans from 5 insurers are available in 2026 with a benchmark (second-lowest-cost silver) plan at $654 per month for a 40-year-old. 2027 plans for Shelby County are now available — to compare them and enroll, call United Enrollment Services, a licensed insurance agency, at 1-866-401-4116.
Updated July 23, 2026 · Reviewed by Jason Burns, Editorial Steward
Reviewed by Heather Fabrizio, licensed in Tennessee (License #3002917563) · reviewed Jul 25, 2026
Three lowest-cost silver plans at age 40
- Ambetter of Tennessee — Standard Silver · $646.11/mo · deductible $6,000 · MOOP $8,900
- BlueCross BlueShield of Tennessee — BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® · $654.32/mo · deductible $8,100 · MOOP $8,100
- Oscar Insurance Company — Silver Classic Standard · $662.85/mo · deductible $6,000 · MOOP $8,900
See the Memphis city page with stats and ZIP codes →
Source: PY2026 QHP Landscape, Individual Market Medical (CMS Public Use File, released May 2026).