Tennessee
Cheapest ACA plans in Benton County, Tennessee for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Benton County, Tennessee has 6 on-exchange carriers offering 65 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is BlueCross BlueShield of Tennessee BlueCross B15E $0 virtual care from Teladoc Health® at $499 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Benton County, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Benton County |
|---|---|---|
| Bronze | $499 | 4 |
| Expanded Bronze | $532 | 21 |
| Silver | $701 | 24 |
| Gold | $712 | 16 |
The actual cheapest Bronze plan in Benton County
BlueCross BlueShield of Tennessee BlueCross B15E $0 virtual care from Teladoc Health®
$499/moFor a family of four (two 40-year-olds and two kids under 14): BlueCross BlueShield of Tennessee BlueCross B15E $0 virtual care from Teladoc Health® at $1,594/month before subsidies.
Carriers selling 2026 plans in Benton County
6 carriers sell 2026 plans on Healthcare.gov; 1 additional carrier offers off-exchange-only plans (not subsidy-eligible). 119 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| Ambetter | 16 |
| Oscar | 15 |
| UnitedHealthcare | 12 |
| BlueCross BlueShield of Tennessee, Inc. | 11 |
| Cigna | 10 |
| BlueCross BlueShield of Tennessee | 1 |
Also selling off-exchange only
These carriers sell plans directly (not through Healthcare.gov). Off-exchange plans are not eligible for federal APTC or state subsidies.
| Carrier | Off-exchange plans |
|---|---|
| Bankers Reserve Life Insurance Company of Wisconsin | 26 |
Frequently asked questions
What is the cheapest ACA plan in Benton County, Tennessee for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is BlueCross BlueShield of Tennessee BlueCross B15E $0 virtual care from Teladoc Health® at $499 per month before subsidies. Plans sell through Healthcare.gov. Data refreshed 2026-04-19T08:08:55.462Z.
Does Tennessee use Healthcare.gov?
Yes. Tennessee participates in the federally-facilitated Marketplace (FFM), so enrollment and subsidy applications run through healthcare.gov. Tennessee does not operate a state-based exchange.
Has Tennessee expanded Medicaid?
No. Tennessee has not adopted ACA Medicaid expansion. TennCare is a §1115 demonstration waiver that predates the ACA and is not equivalent to ACA expansion; childless non-disabled adults remain ineligible regardless of income, which leaves a coverage gap of roughly 120,000 Tennesseans.
What is TennCare, if not ACA expansion?
TennCare is Tennessee's Medicaid program, operated under a long-running §1115 demonstration waiver that predates the ACA. It covers categorically eligible groups (children, pregnant women, parents below narrow thresholds, elderly, disabled), but does NOT cover non-disabled childless adults up to 138% FPL, which is the defining feature of ACA expansion.
More Tennessee pricing
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- Tennessee Department of Commerce and Insurance for state regulatory oversight of individual-market filings and rate review.
- TennCare: Tennessee Medicaid for TennCare eligibility and §1115 waiver program details.
- KFF: Tennessee State Health Facts for Medicaid non-expansion status, coverage gap estimates, and enrollment counts.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Methodology and full data attribution at about.