Silver Classic Standard
Silver · EPO · Oscar Insurance Company · Tennessee
At age 40 it costs between $662.85 and $779.04 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $6,000 | $8,900 | $40 | $20 |
| up to 150% of the federal poverty level | $0 | $2,200 | No Charge | No Charge |
| 150% to 200% | $700 | $3,300 | $20 | $10 |
| 200% to 250% | $3,000 | $7,400 | $40 | $20 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 23552TN0020052 |
|---|---|
| Insurer | Oscar Insurance Company |
| Metal level | Silver |
| Plan type | EPO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $6,000 |
| Deductible (family) | $12,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,900 |
| Family maximum | $17,800 |
| Primary care visit | $40 |
| Specialist visit | $80 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $20 |
| Preferred brand drugs | $40 |
| Specialty drugs | $350 Copay after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-855-672-2755 · TTY 1-855-672-2755 |
Where it is sold, and what it costs there
46 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Fayette County | $518.67 | $588.68 | $662.85 | $926.33 | $1,407.65 |
| Haywood County | $518.67 | $588.68 | $662.85 | $926.33 | $1,407.65 |
| Lauderdale County | $518.67 | $588.68 | $662.85 | $926.33 | $1,407.65 |
| Shelby County | $518.67 | $588.68 | $662.85 | $926.33 | $1,407.65 |
| Tipton County | $518.67 | $588.68 | $662.85 | $926.33 | $1,407.65 |
| Benton County | $580.75 | $659.14 | $742.18 | $1,037.20 | $1,576.12 |
| Carroll County | $580.75 | $659.14 | $742.18 | $1,037.20 | $1,576.12 |
| Chester County | $580.75 | $659.14 | $742.18 | $1,037.20 | $1,576.12 |
| Crockett County | $580.75 | $659.14 | $742.18 | $1,037.20 | $1,576.12 |
| Decatur County | $580.75 | $659.14 | $742.18 | $1,037.20 | $1,576.12 |
| Dyer County | $580.75 | $659.14 | $742.18 | $1,037.20 | $1,576.12 |
| Gibson County | $580.75 | $659.14 | $742.18 | $1,037.20 | $1,576.12 |
| Hardeman County | $580.75 | $659.14 | $742.18 | $1,037.20 | $1,576.12 |
| Hardin County | $580.75 | $659.14 | $742.18 | $1,037.20 | $1,576.12 |
| Henderson County | $580.75 | $659.14 | $742.18 | $1,037.20 | $1,576.12 |
| Henry County | $580.75 | $659.14 | $742.18 | $1,037.20 | $1,576.12 |
| Lake County | $580.75 | $659.14 | $742.18 | $1,037.20 | $1,576.12 |
| Madison County | $580.75 | $659.14 | $742.18 | $1,037.20 | $1,576.12 |
| McNairy County | $580.75 | $659.14 | $742.18 | $1,037.20 | $1,576.12 |
| Obion County | $580.75 | $659.14 | $742.18 | $1,037.20 | $1,576.12 |
| Weakley County | $580.75 | $659.14 | $742.18 | $1,037.20 | $1,576.12 |
| Cheatham County | $587.45 | $666.74 | $750.75 | $1,049.16 | $1,594.31 |
| Davidson County | $587.45 | $666.74 | $750.75 | $1,049.16 | $1,594.31 |
| Montgomery County | $587.45 | $666.74 | $750.75 | $1,049.16 | $1,594.31 |
| Robertson County | $587.45 | $666.74 | $750.75 | $1,049.16 | $1,594.31 |
| Rutherford County | $587.45 | $666.74 | $750.75 | $1,049.16 | $1,594.31 |
| Sumner County | $587.45 | $666.74 | $750.75 | $1,049.16 | $1,594.31 |
| Trousdale County | $587.45 | $666.74 | $750.75 | $1,049.16 | $1,594.31 |
| Williamson County | $587.45 | $666.74 | $750.75 | $1,049.16 | $1,594.31 |
| Wilson County | $587.45 | $666.74 | $750.75 | $1,049.16 | $1,594.31 |
| Bedford County | $609.59 | $691.87 | $779.04 | $1,088.71 | $1,654.40 |
| Coffee County | $609.59 | $691.87 | $779.04 | $1,088.71 | $1,654.40 |
| Dickson County | $609.59 | $691.87 | $779.04 | $1,088.71 | $1,654.40 |
| Giles County | $609.59 | $691.87 | $779.04 | $1,088.71 | $1,654.40 |
| Hickman County | $609.59 | $691.87 | $779.04 | $1,088.71 | $1,654.40 |
| Houston County | $609.59 | $691.87 | $779.04 | $1,088.71 | $1,654.40 |
| Humphreys County | $609.59 | $691.87 | $779.04 | $1,088.71 | $1,654.40 |
| Lawrence County | $609.59 | $691.87 | $779.04 | $1,088.71 | $1,654.40 |
| Lewis County | $609.59 | $691.87 | $779.04 | $1,088.71 | $1,654.40 |
| Lincoln County | $609.59 | $691.87 | $779.04 | $1,088.71 | $1,654.40 |
| Marshall County | $609.59 | $691.87 | $779.04 | $1,088.71 | $1,654.40 |
| Maury County | $609.59 | $691.87 | $779.04 | $1,088.71 | $1,654.40 |
| Moore County | $609.59 | $691.87 | $779.04 | $1,088.71 | $1,654.40 |
| Perry County | $609.59 | $691.87 | $779.04 | $1,088.71 | $1,654.40 |
| Stewart County | $609.59 | $691.87 | $779.04 | $1,088.71 | $1,654.40 |
| Wayne County | $609.59 | $691.87 | $779.04 | $1,088.71 | $1,654.40 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.