UHC Silver Standard (No Referrals)
Silver · EPO · UnitedHealthcare · Tennessee
At age 40 it costs between $689.62 and $829.27 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 | 69443TN0140021 |
|---|---|
| Insurer | UnitedHealthcare |
| 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 | Yes |
| 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 | 1-877-250-8188 · TTY 1-877-250-8188 |
Where it is sold, and what it costs there
95 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 |
|---|---|---|---|---|---|
| Anderson County | $539.61 | $612.46 | $689.62 | $963.74 | $1,464.50 |
| Blount County | $539.61 | $612.46 | $689.62 | $963.74 | $1,464.50 |
| Campbell County | $539.61 | $612.46 | $689.62 | $963.74 | $1,464.50 |
| Claiborne County | $539.61 | $612.46 | $689.62 | $963.74 | $1,464.50 |
| Cocke County | $539.61 | $612.46 | $689.62 | $963.74 | $1,464.50 |
| Grainger County | $539.61 | $612.46 | $689.62 | $963.74 | $1,464.50 |
| Hamblen County | $539.61 | $612.46 | $689.62 | $963.74 | $1,464.50 |
| Jefferson County | $539.61 | $612.46 | $689.62 | $963.74 | $1,464.50 |
| Knox County | $539.61 | $612.46 | $689.62 | $963.74 | $1,464.50 |
| Loudon County | $539.61 | $612.46 | $689.62 | $963.74 | $1,464.50 |
| Monroe County | $539.61 | $612.46 | $689.62 | $963.74 | $1,464.50 |
| Morgan County | $539.61 | $612.46 | $689.62 | $963.74 | $1,464.50 |
| Roane County | $539.61 | $612.46 | $689.62 | $963.74 | $1,464.50 |
| Scott County | $539.61 | $612.46 | $689.62 | $963.74 | $1,464.50 |
| Sevier County | $539.61 | $612.46 | $689.62 | $963.74 | $1,464.50 |
| Union County | $539.61 | $612.46 | $689.62 | $963.74 | $1,464.50 |
| Carter County | $614.75 | $697.74 | $785.64 | $1,097.94 | $1,668.42 |
| Greene County | $614.75 | $697.74 | $785.64 | $1,097.94 | $1,668.42 |
| Hancock County | $614.75 | $697.74 | $785.64 | $1,097.94 | $1,668.42 |
| Hawkins County | $614.75 | $697.74 | $785.64 | $1,097.94 | $1,668.42 |
| Johnson County | $614.75 | $697.74 | $785.64 | $1,097.94 | $1,668.42 |
| Sullivan County | $614.75 | $697.74 | $785.64 | $1,097.94 | $1,668.42 |
| Unicoi County | $614.75 | $697.74 | $785.64 | $1,097.94 | $1,668.42 |
| Washington County | $614.75 | $697.74 | $785.64 | $1,097.94 | $1,668.42 |
| Bledsoe County | $616.18 | $699.36 | $787.47 | $1,100.49 | $1,672.30 |
| Bradley County | $616.18 | $699.36 | $787.47 | $1,100.49 | $1,672.30 |
| Franklin County | $616.18 | $699.36 | $787.47 | $1,100.49 | $1,672.30 |
| Grundy County | $616.18 | $699.36 | $787.47 | $1,100.49 | $1,672.30 |
| Hamilton County | $616.18 | $699.36 | $787.47 | $1,100.49 | $1,672.30 |
| Marion County | $616.18 | $699.36 | $787.47 | $1,100.49 | $1,672.30 |
| McMinn County | $616.18 | $699.36 | $787.47 | $1,100.49 | $1,672.30 |
| Meigs County | $616.18 | $699.36 | $787.47 | $1,100.49 | $1,672.30 |
| Polk County | $616.18 | $699.36 | $787.47 | $1,100.49 | $1,672.30 |
| Rhea County | $616.18 | $699.36 | $787.47 | $1,100.49 | $1,672.30 |
| Sequatchie County | $616.18 | $699.36 | $787.47 | $1,100.49 | $1,672.30 |
| Benton County | $643.75 | $730.65 | $822.71 | $1,149.73 | $1,747.13 |
| Carroll County | $643.75 | $730.65 | $822.71 | $1,149.73 | $1,747.13 |
| Chester County | $643.75 | $730.65 | $822.71 | $1,149.73 | $1,747.13 |
| Crockett County | $643.75 | $730.65 | $822.71 | $1,149.73 | $1,747.13 |
| Decatur County | $643.75 | $730.65 | $822.71 | $1,149.73 | $1,747.13 |
| Dyer County | $643.75 | $730.65 | $822.71 | $1,149.73 | $1,747.13 |
| Gibson County | $643.75 | $730.65 | $822.71 | $1,149.73 | $1,747.13 |
| Hardeman County | $643.75 | $730.65 | $822.71 | $1,149.73 | $1,747.13 |
| Hardin County | $643.75 | $730.65 | $822.71 | $1,149.73 | $1,747.13 |
| Henderson County | $643.75 | $730.65 | $822.71 | $1,149.73 | $1,747.13 |
| Henry County | $643.75 | $730.65 | $822.71 | $1,149.73 | $1,747.13 |
| Lake County | $643.75 | $730.65 | $822.71 | $1,149.73 | $1,747.13 |
| Madison County | $643.75 | $730.65 | $822.71 | $1,149.73 | $1,747.13 |
| McNairy County | $643.75 | $730.65 | $822.71 | $1,149.73 | $1,747.13 |
| Obion County | $643.75 | $730.65 | $822.71 | $1,149.73 | $1,747.13 |
| Weakley County | $643.75 | $730.65 | $822.71 | $1,149.73 | $1,747.13 |
| Bedford County | $643.77 | $730.68 | $822.74 | $1,149.77 | $1,747.19 |
| Coffee County | $643.77 | $730.68 | $822.74 | $1,149.77 | $1,747.19 |
| Dickson County | $643.77 | $730.68 | $822.74 | $1,149.77 | $1,747.19 |
| Giles County | $643.77 | $730.68 | $822.74 | $1,149.77 | $1,747.19 |
| Hickman County | $643.77 | $730.68 | $822.74 | $1,149.77 | $1,747.19 |
| Houston County | $643.77 | $730.68 | $822.74 | $1,149.77 | $1,747.19 |
| Humphreys County | $643.77 | $730.68 | $822.74 | $1,149.77 | $1,747.19 |
| Lawrence County | $643.77 | $730.68 | $822.74 | $1,149.77 | $1,747.19 |
| Lewis County | $643.77 | $730.68 | $822.74 | $1,149.77 | $1,747.19 |
| Lincoln County | $643.77 | $730.68 | $822.74 | $1,149.77 | $1,747.19 |
| Marshall County | $643.77 | $730.68 | $822.74 | $1,149.77 | $1,747.19 |
| Maury County | $643.77 | $730.68 | $822.74 | $1,149.77 | $1,747.19 |
| Moore County | $643.77 | $730.68 | $822.74 | $1,149.77 | $1,747.19 |
| Perry County | $643.77 | $730.68 | $822.74 | $1,149.77 | $1,747.19 |
| Stewart County | $643.77 | $730.68 | $822.74 | $1,149.77 | $1,747.19 |
| Wayne County | $643.77 | $730.68 | $822.74 | $1,149.77 | $1,747.19 |
| Cannon County | $647.86 | $735.32 | $827.96 | $1,157.08 | $1,758.29 |
| Clay County | $647.86 | $735.32 | $827.96 | $1,157.08 | $1,758.29 |
| Cumberland County | $647.86 | $735.32 | $827.96 | $1,157.08 | $1,758.29 |
| DeKalb County | $647.86 | $735.32 | $827.96 | $1,157.08 | $1,758.29 |
| Fentress County | $647.86 | $735.32 | $827.96 | $1,157.08 | $1,758.29 |
| Jackson County | $647.86 | $735.32 | $827.96 | $1,157.08 | $1,758.29 |
| Macon County | $647.86 | $735.32 | $827.96 | $1,157.08 | $1,758.29 |
| Overton County | $647.86 | $735.32 | $827.96 | $1,157.08 | $1,758.29 |
| Pickett County | $647.86 | $735.32 | $827.96 | $1,157.08 | $1,758.29 |
| Putnam County | $647.86 | $735.32 | $827.96 | $1,157.08 | $1,758.29 |
| Smith County | $647.86 | $735.32 | $827.96 | $1,157.08 | $1,758.29 |
| Van Buren County | $647.86 | $735.32 | $827.96 | $1,157.08 | $1,758.29 |
| Warren County | $647.86 | $735.32 | $827.96 | $1,157.08 | $1,758.29 |
| White County | $647.86 | $735.32 | $827.96 | $1,157.08 | $1,758.29 |
| Cheatham County | $648.70 | $736.28 | $829.04 | $1,158.59 | $1,760.58 |
| Davidson County | $648.70 | $736.28 | $829.04 | $1,158.59 | $1,760.58 |
| Montgomery County | $648.70 | $736.28 | $829.04 | $1,158.59 | $1,760.58 |
| Robertson County | $648.70 | $736.28 | $829.04 | $1,158.59 | $1,760.58 |
| Rutherford County | $648.70 | $736.28 | $829.04 | $1,158.59 | $1,760.58 |
| Sumner County | $648.70 | $736.28 | $829.04 | $1,158.59 | $1,760.58 |
| Trousdale County | $648.70 | $736.28 | $829.04 | $1,158.59 | $1,760.58 |
| Williamson County | $648.70 | $736.28 | $829.04 | $1,158.59 | $1,760.58 |
| Wilson County | $648.70 | $736.28 | $829.04 | $1,158.59 | $1,760.58 |
| Fayette County | $648.88 | $736.48 | $829.27 | $1,158.89 | $1,761.05 |
| Haywood County | $648.88 | $736.48 | $829.27 | $1,158.89 | $1,761.05 |
| Lauderdale County | $648.88 | $736.48 | $829.27 | $1,158.89 | $1,761.05 |
| Shelby County | $648.88 | $736.48 | $829.27 | $1,158.89 | $1,761.05 |
| Tipton County | $648.88 | $736.48 | $829.27 | $1,158.89 | $1,761.05 |
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.