Silver Simple Chronic Care CKM
Silver · EPO · Oscar Insurance Company · Tennessee
At age 40 it costs between $666.68 and $783.54 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 | $5,900 | $10,150 | No Charge | $3 |
| up to 150% of the federal poverty level | $0 | $1,500 | No Charge | No Charge |
| 150% to 200% | $800 | $3,350 | No Charge | No Charge |
| 200% to 250% | $5,000 | $8,100 | No Charge | $3 |
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 | 23552TN0020063 |
|---|---|
| Insurer | Oscar Insurance Company |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $5,900 |
| Deductible (family) | $11,800 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $10,150 |
| Family maximum | $20,300 |
| Primary care visit | No Charge |
| Specialist visit | $35 |
| Emergency room | 50% Coinsurance after deductible |
| Inpatient stay | 50% Coinsurance after deductible |
| Generic drugs | $3 |
| Preferred brand drugs | $75 Copay after deductible |
| Specialty drugs | 50% Coinsurance 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 | $521.67 | $592.08 | $666.68 | $931.68 | $1,415.77 |
| Haywood County | $521.67 | $592.08 | $666.68 | $931.68 | $1,415.77 |
| Lauderdale County | $521.67 | $592.08 | $666.68 | $931.68 | $1,415.77 |
| Shelby County | $521.67 | $592.08 | $666.68 | $931.68 | $1,415.77 |
| Tipton County | $521.67 | $592.08 | $666.68 | $931.68 | $1,415.77 |
| Benton County | $584.10 | $662.94 | $746.47 | $1,043.18 | $1,585.22 |
| Carroll County | $584.10 | $662.94 | $746.47 | $1,043.18 | $1,585.22 |
| Chester County | $584.10 | $662.94 | $746.47 | $1,043.18 | $1,585.22 |
| Crockett County | $584.10 | $662.94 | $746.47 | $1,043.18 | $1,585.22 |
| Decatur County | $584.10 | $662.94 | $746.47 | $1,043.18 | $1,585.22 |
| Dyer County | $584.10 | $662.94 | $746.47 | $1,043.18 | $1,585.22 |
| Gibson County | $584.10 | $662.94 | $746.47 | $1,043.18 | $1,585.22 |
| Hardeman County | $584.10 | $662.94 | $746.47 | $1,043.18 | $1,585.22 |
| Hardin County | $584.10 | $662.94 | $746.47 | $1,043.18 | $1,585.22 |
| Henderson County | $584.10 | $662.94 | $746.47 | $1,043.18 | $1,585.22 |
| Henry County | $584.10 | $662.94 | $746.47 | $1,043.18 | $1,585.22 |
| Lake County | $584.10 | $662.94 | $746.47 | $1,043.18 | $1,585.22 |
| Madison County | $584.10 | $662.94 | $746.47 | $1,043.18 | $1,585.22 |
| McNairy County | $584.10 | $662.94 | $746.47 | $1,043.18 | $1,585.22 |
| Obion County | $584.10 | $662.94 | $746.47 | $1,043.18 | $1,585.22 |
| Weakley County | $584.10 | $662.94 | $746.47 | $1,043.18 | $1,585.22 |
| Cheatham County | $590.84 | $670.59 | $755.08 | $1,055.22 | $1,603.51 |
| Davidson County | $590.84 | $670.59 | $755.08 | $1,055.22 | $1,603.51 |
| Montgomery County | $590.84 | $670.59 | $755.08 | $1,055.22 | $1,603.51 |
| Robertson County | $590.84 | $670.59 | $755.08 | $1,055.22 | $1,603.51 |
| Rutherford County | $590.84 | $670.59 | $755.08 | $1,055.22 | $1,603.51 |
| Sumner County | $590.84 | $670.59 | $755.08 | $1,055.22 | $1,603.51 |
| Trousdale County | $590.84 | $670.59 | $755.08 | $1,055.22 | $1,603.51 |
| Williamson County | $590.84 | $670.59 | $755.08 | $1,055.22 | $1,603.51 |
| Wilson County | $590.84 | $670.59 | $755.08 | $1,055.22 | $1,603.51 |
| Bedford County | $613.11 | $695.87 | $783.54 | $1,095 | $1,663.95 |
| Coffee County | $613.11 | $695.87 | $783.54 | $1,095 | $1,663.95 |
| Dickson County | $613.11 | $695.87 | $783.54 | $1,095 | $1,663.95 |
| Giles County | $613.11 | $695.87 | $783.54 | $1,095 | $1,663.95 |
| Hickman County | $613.11 | $695.87 | $783.54 | $1,095 | $1,663.95 |
| Houston County | $613.11 | $695.87 | $783.54 | $1,095 | $1,663.95 |
| Humphreys County | $613.11 | $695.87 | $783.54 | $1,095 | $1,663.95 |
| Lawrence County | $613.11 | $695.87 | $783.54 | $1,095 | $1,663.95 |
| Lewis County | $613.11 | $695.87 | $783.54 | $1,095 | $1,663.95 |
| Lincoln County | $613.11 | $695.87 | $783.54 | $1,095 | $1,663.95 |
| Marshall County | $613.11 | $695.87 | $783.54 | $1,095 | $1,663.95 |
| Maury County | $613.11 | $695.87 | $783.54 | $1,095 | $1,663.95 |
| Moore County | $613.11 | $695.87 | $783.54 | $1,095 | $1,663.95 |
| Perry County | $613.11 | $695.87 | $783.54 | $1,095 | $1,663.95 |
| Stewart County | $613.11 | $695.87 | $783.54 | $1,095 | $1,663.95 |
| Wayne County | $613.11 | $695.87 | $783.54 | $1,095 | $1,663.95 |
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.