Marketplace health plans in Shelby County

Name: Marketplace health plans in Shelby County, TN: all 65
Creator: Centers for Medicare & Medicaid Services
License: https://www.usa.gov/publicdomain/label/1.0/

65 plans sold in Shelby County, Tennessee, from 5 insurers, priced at age 21.

What people in Shelby County actually paid

The prices below are the sticker price. Most people do not pay it. In 2026, the average plan in Shelby County listed at $748 a month and the average person paid $128 after the advance premium tax credit.

33,338 of the 86,784 people who enrolled here — 38.4% — paid $10 a month or less.

What you pay depends on your income and your household, and only HealthCare.gov can work it out for you. These are the county's published averages, not a quote.

Premiums at age 21: 21 27 30 40 50 60

Plan	Metal	Type	Premium at 21	Deductible	Max out of pocket
BlueCross B15E $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee	Bronze	EPO	$364.36	$10,600	$10,600
BlueCross B17E $0 virtual care from Teladoc Health® + Adult Dental BlueCross BlueShield of Tennessee	Bronze	EPO	$375.13	$10,600	$10,600
Bronze Simple Oscar Insurance Company	Expanded Bronze	EPO	$377.20	$9,000	$10,600
Everyday Bronze Ambetter of Tennessee	Expanded Bronze	EPO	$387.80	$8,450	$10,150
BlueCross B16E $50 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee	Expanded Bronze	EPO	$388.84	$7,500	$10,000
Standard Expanded Bronze Ambetter of Tennessee	Expanded Bronze	EPO	$389.20	$7,500	$10,000
Bronze Classic Standard Oscar Insurance Company	Expanded Bronze	EPO	$393.60	$7,500	$10,000
Everyday Bronze + Vision + Adult Dental Ambetter of Tennessee	Expanded Bronze	EPO	$398.47	$8,450	$10,150
Standard Expanded Bronze + Vision + Adult Dental Ambetter of Tennessee	Expanded Bronze	EPO	$399.91	$7,500	$10,000
Bronze Simple Diabetes Oscar Insurance Company	Expanded Bronze	EPO	$400.17	$5,500	$10,150
Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company	Expanded Bronze	EPO	$402.14	$5,500	$10,150
Bronze Simple Chronic Care CKM Oscar Insurance Company	Expanded Bronze	EPO	$407.84	$5,500	$10,150
Bronze Elite + PCP Saver Plus Oscar Insurance Company	Expanded Bronze	EPO	$432.18	$0	$9,900
Elite Bronze Ambetter of Tennessee	Expanded Bronze	EPO	$441.79	$0	$10,500
BlueCross B16S $50 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee	Expanded Bronze	EPO	$447.90	$7,500	$10,000
UHC Bronze Essential (No Referrals) UnitedHealthcare	Bronze	EPO	$451.78	$10,600	$10,600
Elite Bronze + Vision + Adult Dental Ambetter of Tennessee	Expanded Bronze	EPO	$453.94	$0	$10,500
BlueCross B19E $60 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee	Expanded Bronze	EPO	$459.02	$0	$10,600
Connect Bronze 7500 Indiv Med Deductible Cigna Healthcare	Bronze	EPO	$466.19	$7,500	$10,150
UHC Bronze Standard (No Referrals) UnitedHealthcare	Expanded Bronze	EPO	$473.61	$7,500	$10,000
Connect Bronze 8500 Indiv Med Deductible Cigna Healthcare	Expanded Bronze	EPO	$479.40	$8,500	$10,150
Connect Bronze CMS Standard Cigna Healthcare	Expanded Bronze	EPO	$482.58	$7,500	$10,000
Connect myDiabetesCare Bronze Cigna Healthcare	Expanded Bronze	EPO	$494.59	$3,500	$10,150
Gold Classic Standard Oscar Insurance Company	Gold	EPO	$497.90	$2,000	$8,200
UHC Bronze Copay Focus (Virtual Urgent Care, No Referrals) UnitedHealthcare	Expanded Bronze	EPO	$499.31	$0	$10,600
Standard Silver Ambetter of Tennessee	Silver	EPO	$505.57	$6,000	$8,900
BlueCross S34E $45 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee	Silver	EPO	$511.99	$8,100	$8,100
UHC Bronze Copay Focus + (Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare	Expanded Bronze	EPO	$515.33	$0	$10,600
Standard Gold Ambetter of Tennessee	Gold	EPO	$515.51	$2,000	$8,200
Silver Classic Standard Oscar Insurance Company	Silver	EPO	$518.67	$6,000	$8,900
Enhanced Diabetes Care Silver with $0 Drug Options Ambetter of Tennessee	Silver	EPO	$518.75	$5,000	$8,650
Standard Silver + Vision + Adult Dental Ambetter of Tennessee	Silver	EPO	$519.49	$6,000	$8,900
Gold Elite Oscar Insurance Company	Gold	EPO	$519.83	$500	$7,000
Silver Simple PCP Saver Oscar Insurance Company	Silver	EPO	$519.87	$5,700	$10,000
Silver Simple Diabetes Oscar Insurance Company	Silver	EPO	$520.42	$6,500	$10,000
Silver Simple Women's Health with Menopause Benefits Oscar Insurance Company	Silver	EPO	$520.82	$6,000	$10,150
Silver Simple Chronic Care CKM Oscar Insurance Company	Silver	EPO	$521.67	$5,900	$10,150
Silver Simple Breathe Easy with Enhanced COPD Benefits Oscar Insurance Company	Silver	EPO	$522.09	$6,200	$9,600
Everyday Gold Ambetter of Tennessee	Gold	EPO	$522.75	$800	$7,250
BlueCross S26E $40 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee	Silver	EPO	$523.47	$6,000	$8,900
Silver Classic Oscar Insurance Company	Silver	EPO	$524.22	$6,500	$9,400
BlueCross S27E $60 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee	Silver	EPO	$524.97	$5,900	$6,900
Standard Gold + Vision + Adult Dental Ambetter of Tennessee	Gold	EPO	$529.70	$2,000	$8,200
Enhanced Diabetes Care Silver with $0 Drug Options + Vision + Adult Dental Ambetter of Tennessee	Silver	EPO	$533.03	$5,000	$8,650
Everyday Gold + Vision + Adult Dental Ambetter of Tennessee	Gold	EPO	$537.14	$800	$7,250
BlueCross S29E $60 PCP Copay + $0 virtual care from Teladoc Health® + Adult Dental BlueCross BlueShield of Tennessee	Silver	EPO	$541.53	$5,900	$6,900
BlueCross G08E $30 PCP Copay + $0 virtual care from Teladoc Health ® BlueCross BlueShield of Tennessee	Gold	EPO	$546.79	$2,000	$8,200
Elite Gold Ambetter of Tennessee	Gold	EPO	$585.28	$0	$6,500
Elite Gold + Vision + Adult Dental Ambetter of Tennessee	Gold	EPO	$601.39	$0	$6,500
BlueCross S26S $40 PCP Copay + $0 virtual care from Teladoc Health® BlueCross BlueShield of Tennessee	Silver	EPO	$602.98	$6,000	$8,900
Connect Silver 4500 Indiv Med Deductible Cigna Healthcare	Silver	EPO	$610.66	$4,500	$9,525
Connect Silver CMS Standard Cigna Healthcare	Silver	EPO	$612.28	$6,000	$8,900
Connect Silver 3000 Indiv Med Deductible Cigna Healthcare	Silver	EPO	$613.55	$3,000	$10,150
Connect myDiabetesCare Silver Cigna Healthcare	Silver	EPO	$616.10	$2,500	$10,000
Connect Gold CMS Standard Cigna Healthcare	Gold	EPO	$619.21	$2,000	$8,200
Connect Gold 1500 Indiv Med Deductible Cigna Healthcare	Gold	EPO	$622.53	$1,500	$7,400
BlueCross G08S $30 PCP Copay + $0 virtual care from Teladoc Health ® BlueCross BlueShield of Tennessee	Gold	EPO	$629.83	$2,000	$8,200
UHC Gold Advantage (Virtual Urgent Care, No Referrals) UnitedHealthcare	Gold	EPO	$630.26	$2,000	$8,500
UHC Gold Standard (No Referrals) UnitedHealthcare	Gold	EPO	$633.72	$2,000	$8,200
UHC Gold Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare	Gold	EPO	$646.29	$2,000	$8,500
UHC Silver Standard (No Referrals) UnitedHealthcare	Silver	EPO	$648.88	$6,000	$8,900
UHC Gold Copay Focus (Virtual Urgent Care, No Referrals) UnitedHealthcare	Gold	EPO	$649.04	$0	$8,500
UHC Silver Advantage (Virtual Urgent Care, No Referrals) UnitedHealthcare	Silver	EPO	$656.13	$3,500	$10,500
UHC Silver Copay Focus (Virtual Urgent Care, No Referrals) UnitedHealthcare	Silver	EPO	$658.89	$0	$10,150
UHC Silver Advantage + (Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare	Silver	EPO	$672.15	$3,500	$10,500

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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When next year’s premiums are posted for Shelby County, or an insurer arrives or leaves.

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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. What people actually paid comes from the CMS open-enrollment county public use file for 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.