ACA marketplace plans in Smith County, Tennessee (2026)
Smith 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.
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 | $432.33 | $552.52 | $1,173.34 | $10,600 | $10,600 |
| BlueCross BlueShield of Tennessee | BlueCross B17E $0 virtual care from Teladoc Health® + Adult Dental | Bronze | $445.11 | $568.85 | $1,208.03 | $10,600 | $10,600 |
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | $451.07 | $576.46 | $1,224.20 | $10,600 | $10,600 |
| BlueCross BlueShield of Tennessee | BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® | Expanded Bronze | $461.39 | $589.66 | $1,252.21 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | $472.87 | $604.32 | $1,283.36 | $7,500 | $10,000 |
| Ambetter of Tennessee | Everyday Bronze | Expanded Bronze | $477.78 | $610.59 | $1,296.66 | $8,450 | $10,150 |
| Ambetter of Tennessee | Standard Expanded Bronze | Expanded Bronze | $479.51 | $612.80 | $1,301.36 | $7,500 | $10,000 |
| BlueCross BlueShield of Tennessee | BlueCross B16S $50 PCP Copay + $0 virtual care from Teladoc Health® | Expanded Bronze | $484.15 | $618.74 | $1,313.98 | $7,500 | $10,000 |
| Ambetter of Tennessee | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | $490.93 | $627.39 | $1,332.34 | $8,450 | $10,150 |
| Ambetter of Tennessee | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | $492.70 | $629.66 | $1,337.17 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals) | Expanded Bronze | $498.53 | $637.12 | $1,353.00 | $0 | $10,600 |
| UnitedHealthcare | UHC Bronze Copay Focus + (Virtual Urgent Care, Dental + Vision, No Referrals) | Expanded Bronze | $514.53 | $657.56 | $1,396.42 | $0 | $10,600 |
| Ambetter of Tennessee | Elite Bronze | Expanded Bronze | $544.30 | $695.60 | $1,477.20 | $0 | $10,500 |
| BlueCross BlueShield of Tennessee | BlueCross B19E $60 PCP Copay + $0 virtual care from Teladoc Health® | Expanded Bronze | $544.66 | $696.08 | $1,478.21 | $0 | $10,600 |
| Ambetter of Tennessee | Elite Bronze + Vision + Adult Dental | Expanded Bronze | $559.27 | $714.74 | $1,517.84 | $0 | $10,500 |
| UnitedHealthcare | UHC Gold Advantage (Virtual Urgent Care, No Referrals) | Gold | $629.27 | $804.21 | $1,707.85 | $2,000 | $8,500 |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | $632.73 | $808.63 | $1,717.23 | $2,000 | $8,200 |
| Ambetter of Tennessee | Standard Gold | Gold | $635.13 | $811.69 | $1,723.72 | $2,000 | $8,200 |
| Ambetter of Tennessee | Everyday Gold | Gold | $644.05 | $823.08 | $1,747.92 | $800 | $7,250 |
| UnitedHealthcare | UHC Gold Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) | Gold | $645.27 | $824.66 | $1,751.27 | $2,000 | $8,500 |
| UnitedHealthcare | UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) | Gold | $648.03 | $828.18 | $1,758.74 | $0 | $8,500 |
| BlueCross BlueShield of Tennessee | BlueCross G08E $30 PCP Copay + $0 virtual care from Teladoc Health ® | Gold | $648.80 | $829.17 | $1,760.84 | $2,000 | $8,200 |
| Ambetter of Tennessee | Standard Gold + Vision + Adult Dental | Gold | $652.61 | $834.02 | $1,771.16 | $2,000 | $8,200 |
| Ambetter of Tennessee | Everyday Gold + Vision + Adult Dental | Gold | $661.77 | $845.73 | $1,796.02 | $800 | $7,250 |
| BlueCross BlueShield of Tennessee | BlueCross G08S $30 PCP Copay + $0 virtual care from Teladoc Health ® | Gold | $680.80 | $870.06 | $1,847.69 | $2,000 | $8,200 |
| Ambetter of Tennessee | Elite Gold | Gold | $721.09 | $921.54 | $1,957.01 | $0 | $6,500 |
| Ambetter of Tennessee | Elite Gold + Vision + Adult Dental | Gold | $740.93 | $946.90 | $2,010.86 | $0 | $6,500 |
| BlueCross BlueShield of Tennessee | BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® | Silver | $607.51 | $776.40 | $1,648.78 | $8,100 | $8,100 |
| BlueCross BlueShield of Tennessee | BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® | Silver | $621.13 | $793.80 | $1,685.75 | $6,000 | $8,900 |
| Ambetter of Tennessee | Standard Silver | Silver | $622.89 | $796.04 | $1,690.49 | $6,000 | $8,900 |
| BlueCross BlueShield of Tennessee | BlueCross S27E $60 PCP Copay + $0 virtual care from Teladoc Health® | Silver | $622.91 | $796.08 | $1,690.58 | $5,900 | $6,900 |
| Ambetter of Tennessee | Enhanced Diabetes Care Silver with $0 Drug Options | Silver | $639.12 | $816.78 | $1,734.55 | $5,000 | $8,650 |
| Ambetter of Tennessee | Standard Silver + Vision + Adult Dental | Silver | $640.03 | $817.94 | $1,737.00 | $6,000 | $8,900 |
| BlueCross BlueShield of Tennessee | BlueCross S29E $60 PCP Copay + $0 virtual care from Teladoc Health® + Adult Dental | Silver | $642.56 | $821.19 | $1,743.91 | $5,900 | $6,900 |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | $647.86 | $827.96 | $1,758.29 | $6,000 | $8,900 |
| BlueCross BlueShield of Tennessee | BlueCross S26S $40 PCP Copay + $0 virtual care from Teladoc Health® | Silver | $651.77 | $832.96 | $1,768.90 | $6,000 | $8,900 |
| UnitedHealthcare | UHC Silver Advantage (Virtual Urgent Care, No Referrals) | Silver | $655.10 | $837.21 | $1,777.93 | $3,500 | $10,500 |
| Ambetter of Tennessee | Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental | Silver | $656.71 | $839.26 | $1,782.28 | $5,000 | $8,650 |
| UnitedHealthcare | UHC Silver Copay Focus (Virtual Urgent Care, No Referrals) | Silver | $657.86 | $840.74 | $1,785.43 | $0 | $10,150 |
| UnitedHealthcare | UHC Silver Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | $671.10 | $857.66 | $1,821.35 | $3,500 | $10,500 |
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.