ACA marketplace plans in Germantown, Tennessee (2026)
Germantown, Tennessee (population 40,673, ACS 2020-2024), covering ZIP codes 38138, 38139, 38183 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.
City stats
- Population: 40,673 (ACS 2020-2024)
- Uninsured rate: 2.4% (ACS 2020-2024, table S2701)
- Median household income: $149,920 (ACS 2020-2024, table B19013)
ZIP codes covered
38138, 38139, 38183
Source: GeoNames US postal 2026-07-22.
Five lowest-cost plans in Shelby County (age 40)
- BlueCross BlueShield of Tennessee — BlueCross B15E $0 virtual care from Teladoc Health® · Bronze · $465.65/mo · deductible $10,600 · MOOP $10,600
- BlueCross BlueShield of Tennessee — BlueCross B17E $0 virtual care from Teladoc Health® + Adult Dental · Bronze · $479.42/mo · deductible $10,600 · MOOP $10,600
- Oscar Insurance Company — Bronze Simple · Expanded Bronze · $482.04/mo · deductible $9,000 · MOOP $10,600
- Ambetter of Tennessee — Everyday Bronze · Expanded Bronze · $495.59/mo · deductible $8,450 · MOOP $10,150
- BlueCross BlueShield of Tennessee — BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® · Expanded Bronze · $496.94/mo · deductible $7,500 · MOOP $10,000
See the full Shelby County plan table with every issuer, metal tier, and cost-sharing figure →
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025, so for plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit at all, and lower-income households pay a larger share of the benchmark plan's premium (Congressional Research Service report R48290; KFF's 2026 premium tracker).
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan and premium figures come from this file.
- American Community Survey 5-Year Estimates, 2020-2024 — U.S. Census Bureau. Population/income/uninsured figures where present.
- ZIP-city association: GeoNames US postal 2026-07-22 — postal geography derived from USPS ZIP city listings.
- Full methodology: how we source and interpret this data →