ACA marketplace plans in Polk County, Tennessee (2026)
Polk County, Tennessee has 59 ACA marketplace plans from 5 insurers in 2026, with monthly premiums for a 40-year-old ranging from $482 to $972 and a benchmark (second-lowest-cost silver) plan at $699 per month.
Updated July 21, 2026 · Reviewed by Jason Burns, Editorial Steward
Plan table
| Issuer | Plan | Metal | Age 21 | Age 40 | Age 60 | Deductible | MOOP |
|---|---|---|---|---|---|---|---|
| BlueCross BlueShield of Tennessee | BlueCross B15E $0 virtual care from Teladoc Health® | Bronze | $420.17 | $536.98 | $1,140.34 | $10,600 | $10,600 |
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | $429.01 | $548.27 | $1,164.33 | $10,600 | $10,600 |
| BlueCross BlueShield of Tennessee | BlueCross B17E $0 virtual care from Teladoc Health® + Adult Dental | Bronze | $432.59 | $552.85 | $1,174.05 | $10,600 | $10,600 |
| Cigna Healthcare | Connect Bronze 7500 Indiv Med Deductible | Bronze | $438.85 | $560.85 | $1,191.04 | $7,500 | $10,150 |
| Alliant Health Plans, Inc. | SoloCare Exp Bronze EPO $9500 DED 10015 | Expanded Bronze | $377.18 | $482.02 | $1,023.64 | $9,500 | $10,150 |
| Alliant Health Plans, Inc. | SoloCare Standard Exp Bronze EPO $7500 DED 10008 | Expanded Bronze | $385.24 | $492.32 | $1,045.51 | $7,500 | $10,000 |
| Ambetter of Tennessee | Everyday Bronze | Expanded Bronze | $418.86 | $535.29 | $1,136.76 | $8,450 | $10,150 |
| Ambetter of Tennessee | Standard Expanded Bronze | Expanded Bronze | $420.38 | $537.23 | $1,140.87 | $7,500 | $10,000 |
| Alliant Health Plans, Inc. | SoloCare Bronze EPO $8500 DED HSA 10004 | Expanded Bronze | $430.29 | $549.90 | $1,167.78 | $8,500 | $8,500 |
| Ambetter of Tennessee | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | $430.39 | $550.02 | $1,168.04 | $8,450 | $10,150 |
| Ambetter of Tennessee | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | $431.94 | $552.01 | $1,172.27 | $7,500 | $10,000 |
| BlueCross BlueShield of Tennessee | BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® | Expanded Bronze | $448.41 | $573.07 | $1,216.98 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | $449.74 | $574.77 | $1,220.60 | $7,500 | $10,000 |
| Cigna Healthcare | Connect Bronze 8500 Indiv Med Deductible | Expanded Bronze | $451.28 | $576.74 | $1,224.77 | $8,500 | $10,150 |
| Cigna Healthcare | Connect Bronze CMS Standard | Expanded Bronze | $454.28 | $580.57 | $1,232.92 | $7,500 | $10,000 |
| Cigna Healthcare | Connect myDiabetesCare Bronze | Expanded Bronze | $465.58 | $595.01 | $1,263.58 | $3,500 | $10,150 |
| UnitedHealthcare | UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals) | Expanded Bronze | $474.15 | $605.96 | $1,286.83 | $0 | $10,600 |
| Ambetter of Tennessee | Elite Bronze | Expanded Bronze | $477.18 | $609.82 | $1,295.03 | $0 | $10,500 |
| UnitedHealthcare | UHC Bronze Copay Focus + (Virtual Urgent Care, Dental + Vision, No Referrals) | Expanded Bronze | $489.36 | $625.41 | $1,328.13 | $0 | $10,600 |
| Ambetter of Tennessee | Elite Bronze + Vision + Adult Dental | Expanded Bronze | $490.31 | $626.60 | $1,330.66 | $0 | $10,500 |
| BlueCross BlueShield of Tennessee | BlueCross B19E $60 PCP Copay + $0 virtual care from Teladoc Health® | Expanded Bronze | $529.33 | $676.48 | $1,436.60 | $0 | $10,600 |
| BlueCross BlueShield of Tennessee | BlueCross B16S $50 PCP Copay + $0 virtual care from Teladoc Health® | Expanded Bronze | $541.01 | $691.41 | $1,468.30 | $7,500 | $10,000 |
| Alliant Health Plans, Inc. | SoloCare Standard Gold EPO $2000 DED 10006 | Gold | $533.15 | $681.35 | $1,446.94 | $2,000 | $8,200 |
| Alliant Health Plans, Inc. | SoloCare Gold EPO $1500 DED 10010 | Gold | $546.60 | $698.54 | $1,483.45 | $1,500 | $8,500 |
| Ambetter of Tennessee | Standard Gold | Gold | $556.81 | $711.59 | $1,511.15 | $2,000 | $8,200 |
| Ambetter of Tennessee | Everyday Gold | Gold | $564.63 | $721.58 | $1,532.37 | $800 | $7,250 |
| Ambetter of Tennessee | Standard Gold + Vision + Adult Dental | Gold | $572.13 | $731.17 | $1,552.74 | $2,000 | $8,200 |
| Ambetter of Tennessee | Everyday Gold + Vision + Adult Dental | Gold | $580.16 | $741.44 | $1,574.54 | $800 | $7,250 |
| Cigna Healthcare | Connect Gold CMS Standard | Gold | $582.89 | $744.93 | $1,581.96 | $2,000 | $8,200 |
| Cigna Healthcare | Connect Gold 1500 Indiv Med Deductible | Gold | $586.02 | $748.93 | $1,590.46 | $1,500 | $7,400 |
| UnitedHealthcare | UHC Gold Advantage (Virtual Urgent Care, No Referrals) | Gold | $598.50 | $764.88 | $1,624.33 | $2,000 | $8,500 |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | $601.79 | $769.08 | $1,633.25 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) | Gold | $613.72 | $784.33 | $1,665.63 | $2,000 | $8,500 |
| UnitedHealthcare | UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) | Gold | $616.34 | $787.68 | $1,672.73 | $0 | $8,500 |
| BlueCross BlueShield of Tennessee | BlueCross G08E $30 PCP Copay + $0 virtual care from Teladoc Health ® | Gold | $630.54 | $805.83 | $1,711.29 | $2,000 | $8,200 |
| Ambetter of Tennessee | Elite Gold | Gold | $632.17 | $807.90 | $1,715.68 | $0 | $6,500 |
| Ambetter of Tennessee | Elite Gold + Vision + Adult Dental | Gold | $649.56 | $830.13 | $1,762.88 | $0 | $6,500 |
| BlueCross BlueShield of Tennessee | BlueCross G08S $30 PCP Copay + $0 virtual care from Teladoc Health ® | Gold | $760.76 | $972.25 | $2,064.70 | $2,000 | $8,200 |
| Alliant Health Plans, Inc. | SoloCare Standard Platinum EPO $0 DED 10005 | Platinum | $672.32 | $859.21 | $1,824.65 | $0 | $5,200 |
| Ambetter of Tennessee | Standard Silver | Silver | $546.07 | $697.87 | $1,482.02 | $6,000 | $8,900 |
| Alliant Health Plans, Inc. | SoloCare Standard Silver EPO $6000 DED 10007 | Silver | $546.60 | $698.54 | $1,483.45 | $6,000 | $8,900 |
| Ambetter of Tennessee | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | $560.31 | $716.06 | $1,520.64 | $5,000 | $8,650 |
| Ambetter of Tennessee | Standard Silver + Vision + Adult Dental | Silver | $561.10 | $717.07 | $1,522.80 | $6,000 | $8,900 |
| Alliant Health Plans, Inc. | SoloCare Silver EPO $6500 DED 10013 | Silver | $572.15 | $731.19 | $1,552.79 | $6,500 | $9,600 |
| Cigna Healthcare | Connect Silver 4500 Indiv Med Deductible | Silver | $574.84 | $734.65 | $1,560.12 | $4,500 | $9,525 |
| Ambetter of Tennessee | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | $575.72 | $735.76 | $1,562.49 | $5,000 | $8,650 |
| Cigna Healthcare | Connect Silver CMS Standard | Silver | $576.37 | $736.60 | $1,564.27 | $6,000 | $8,900 |
| Cigna Healthcare | Connect Silver 3000 Indiv Med Deductible | Silver | $577.57 | $738.13 | $1,567.52 | $3,000 | $10,150 |
| Cigna Healthcare | Connect myDiabetesCare Silver | Silver | $579.97 | $741.20 | $1,574.04 | $2,500 | $10,000 |
| BlueCross BlueShield of Tennessee | BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® | Silver | $590.42 | $754.56 | $1,602.40 | $8,100 | $8,100 |
| Alliant Health Plans, Inc. | SoloCare Silver EPO $5000 DED 10014 | Silver | $595.00 | $760.40 | $1,614.80 | $5,000 | $9,200 |
| BlueCross BlueShield of Tennessee | BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® | Silver | $603.65 | $771.46 | $1,638.31 | $6,000 | $8,900 |
| BlueCross BlueShield of Tennessee | BlueCross S27E $60 PCP Copay + $0 virtual care from Teladoc Health® | Silver | $605.38 | $773.68 | $1,643.00 | $5,900 | $6,900 |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | $616.18 | $787.47 | $1,672.30 | $6,000 | $8,900 |
| UnitedHealthcare | UHC Silver Advantage (Virtual Urgent Care, No Referrals) | Silver | $623.06 | $796.27 | $1,690.98 | $3,500 | $10,500 |
| BlueCross BlueShield of Tennessee | BlueCross S29E $60 PCP Copay + $0 virtual care from Teladoc Health® + Adult Dental | Silver | $624.48 | $798.09 | $1,694.84 | $5,900 | $6,900 |
| UnitedHealthcare | UHC Silver Copay Focus (Virtual Urgent Care, No Referrals) | Silver | $625.69 | $799.63 | $1,698.11 | $0 | $10,150 |
| UnitedHealthcare | UHC Silver Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | $638.28 | $815.72 | $1,732.28 | $3,500 | $10,500 |
| BlueCross BlueShield of Tennessee | BlueCross S26S $40 PCP Copay + $0 virtual care from Teladoc Health® | Silver | $728.32 | $930.79 | $1,976.66 | $6,000 | $8,900 |
Cost-sharing reductions (CSR)
Silver plans in this county carry the standard cost-sharing shown above. If your household income is between 100% and 250% of the federal poverty level, HealthCare.gov automatically applies CSR variants of silver plans that lower deductibles, copays, and the annual out-of-pocket maximum — the plan name stays the same but the numbers on your Summary of Benefits change.
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 (see the Congressional Research Service report R48290 and KFF's 2026 premium tracker). These figures describe the rules; nothing on this page is a recommendation.
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan, premium, deductible, and out-of-pocket figures on this page come from this file.
- HealthCare.gov — official federal marketplace where these plans are sold.