Connect Silver 4500 Indiv Med Deductible
Silver · EPO · Cigna Healthcare · Tennessee
At age 40 it costs between $716.57 and $844.18 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 | $4,500 | $9,525 | $15 | No Charge |
| up to 150% of the federal poverty level | $0 | $2,150 | No Charge | No Charge |
| 150% to 200% | $500 | $3,245 | $5 | No Charge |
| 200% to 250% | $3,500 | $8,000 | $5 | No Charge |
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 | 99248TN0060005 |
|---|---|
| Insurer | Cigna Healthcare |
| Metal level | Silver |
| Plan type | EPO |
| Deductible (individual) | $4,500 |
| Deductible (family) | $9,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $9,525 |
| Family maximum | $19,050 |
| Primary care visit | $15 |
| Specialist visit | $65 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | No Charge |
| Preferred brand drugs | 40% Coinsurance 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 | 1-877-900-1237 · TTY 1-800-676-3777 |
Where it is sold, and what it costs there
65 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 |
|---|---|---|---|---|---|
| Carter County | $560.70 | $636.39 | $716.57 | $1,001.41 | $1,521.74 |
| Greene County | $560.70 | $636.39 | $716.57 | $1,001.41 | $1,521.74 |
| Hancock County | $560.70 | $636.39 | $716.57 | $1,001.41 | $1,521.74 |
| Hawkins County | $560.70 | $636.39 | $716.57 | $1,001.41 | $1,521.74 |
| Johnson County | $560.70 | $636.39 | $716.57 | $1,001.41 | $1,521.74 |
| Sullivan County | $560.70 | $636.39 | $716.57 | $1,001.41 | $1,521.74 |
| Unicoi County | $560.70 | $636.39 | $716.57 | $1,001.41 | $1,521.74 |
| Washington County | $560.70 | $636.39 | $716.57 | $1,001.41 | $1,521.74 |
| Anderson County | $572.46 | $649.74 | $731.60 | $1,022.41 | $1,553.66 |
| Blount County | $572.46 | $649.74 | $731.60 | $1,022.41 | $1,553.66 |
| Campbell County | $572.46 | $649.74 | $731.60 | $1,022.41 | $1,553.66 |
| Claiborne County | $572.46 | $649.74 | $731.60 | $1,022.41 | $1,553.66 |
| Cocke County | $572.46 | $649.74 | $731.60 | $1,022.41 | $1,553.66 |
| Grainger County | $572.46 | $649.74 | $731.60 | $1,022.41 | $1,553.66 |
| Hamblen County | $572.46 | $649.74 | $731.60 | $1,022.41 | $1,553.66 |
| Jefferson County | $572.46 | $649.74 | $731.60 | $1,022.41 | $1,553.66 |
| Knox County | $572.46 | $649.74 | $731.60 | $1,022.41 | $1,553.66 |
| Loudon County | $572.46 | $649.74 | $731.60 | $1,022.41 | $1,553.66 |
| Monroe County | $572.46 | $649.74 | $731.60 | $1,022.41 | $1,553.66 |
| Morgan County | $572.46 | $649.74 | $731.60 | $1,022.41 | $1,553.66 |
| Roane County | $572.46 | $649.74 | $731.60 | $1,022.41 | $1,553.66 |
| Scott County | $572.46 | $649.74 | $731.60 | $1,022.41 | $1,553.66 |
| Sevier County | $572.46 | $649.74 | $731.60 | $1,022.41 | $1,553.66 |
| Union County | $572.46 | $649.74 | $731.60 | $1,022.41 | $1,553.66 |
| Bledsoe County | $574.84 | $652.44 | $734.65 | $1,026.66 | $1,560.12 |
| Bradley County | $574.84 | $652.44 | $734.65 | $1,026.66 | $1,560.12 |
| Franklin County | $574.84 | $652.44 | $734.65 | $1,026.66 | $1,560.12 |
| Grundy County | $574.84 | $652.44 | $734.65 | $1,026.66 | $1,560.12 |
| Hamilton County | $574.84 | $652.44 | $734.65 | $1,026.66 | $1,560.12 |
| Marion County | $574.84 | $652.44 | $734.65 | $1,026.66 | $1,560.12 |
| McMinn County | $574.84 | $652.44 | $734.65 | $1,026.66 | $1,560.12 |
| Meigs County | $574.84 | $652.44 | $734.65 | $1,026.66 | $1,560.12 |
| Polk County | $574.84 | $652.44 | $734.65 | $1,026.66 | $1,560.12 |
| Rhea County | $574.84 | $652.44 | $734.65 | $1,026.66 | $1,560.12 |
| Sequatchie County | $574.84 | $652.44 | $734.65 | $1,026.66 | $1,560.12 |
| Benton County | $601.84 | $683.09 | $769.15 | $1,074.89 | $1,633.39 |
| Carroll County | $601.84 | $683.09 | $769.15 | $1,074.89 | $1,633.39 |
| Chester County | $601.84 | $683.09 | $769.15 | $1,074.89 | $1,633.39 |
| Crockett County | $601.84 | $683.09 | $769.15 | $1,074.89 | $1,633.39 |
| Decatur County | $601.84 | $683.09 | $769.15 | $1,074.89 | $1,633.39 |
| Dyer County | $601.84 | $683.09 | $769.15 | $1,074.89 | $1,633.39 |
| Gibson County | $601.84 | $683.09 | $769.15 | $1,074.89 | $1,633.39 |
| Hardeman County | $601.84 | $683.09 | $769.15 | $1,074.89 | $1,633.39 |
| Hardin County | $601.84 | $683.09 | $769.15 | $1,074.89 | $1,633.39 |
| Henderson County | $601.84 | $683.09 | $769.15 | $1,074.89 | $1,633.39 |
| Henry County | $601.84 | $683.09 | $769.15 | $1,074.89 | $1,633.39 |
| Lake County | $601.84 | $683.09 | $769.15 | $1,074.89 | $1,633.39 |
| Madison County | $601.84 | $683.09 | $769.15 | $1,074.89 | $1,633.39 |
| McNairy County | $601.84 | $683.09 | $769.15 | $1,074.89 | $1,633.39 |
| Obion County | $601.84 | $683.09 | $769.15 | $1,074.89 | $1,633.39 |
| Weakley County | $601.84 | $683.09 | $769.15 | $1,074.89 | $1,633.39 |
| Fayette County | $610.66 | $693.10 | $780.42 | $1,090.64 | $1,657.33 |
| Haywood County | $610.66 | $693.10 | $780.42 | $1,090.64 | $1,657.33 |
| Lauderdale County | $610.66 | $693.10 | $780.42 | $1,090.64 | $1,657.33 |
| Shelby County | $610.66 | $693.10 | $780.42 | $1,090.64 | $1,657.33 |
| Tipton County | $610.66 | $693.10 | $780.42 | $1,090.64 | $1,657.33 |
| Cheatham County | $660.55 | $749.72 | $844.18 | $1,179.74 | $1,792.73 |
| Davidson County | $660.55 | $749.72 | $844.18 | $1,179.74 | $1,792.73 |
| Montgomery County | $660.55 | $749.72 | $844.18 | $1,179.74 | $1,792.73 |
| Robertson County | $660.55 | $749.72 | $844.18 | $1,179.74 | $1,792.73 |
| Rutherford County | $660.55 | $749.72 | $844.18 | $1,179.74 | $1,792.73 |
| Sumner County | $660.55 | $749.72 | $844.18 | $1,179.74 | $1,792.73 |
| Trousdale County | $660.55 | $749.72 | $844.18 | $1,179.74 | $1,792.73 |
| Williamson County | $660.55 | $749.72 | $844.18 | $1,179.74 | $1,792.73 |
| Wilson County | $660.55 | $749.72 | $844.18 | $1,179.74 | $1,792.73 |
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.