Tennessee
Cheapest ACA plans in Franklin, Tennessee for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Franklin is in Williamson County, Tennessee. 5 carriers sell 2026 ACA plans on Healthcare.gov for residents of Williamson County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $546/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Williamson County, including Franklin.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Franklin (Williamson 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 Williamson County |
|---|---|---|
| Expanded Bronze | $546 | 21 |
| Bronze | $577 | 4 |
| Gold | $721 | 16 |
| Silver | $751 | 24 |
The actual cheapest Bronze plan in Franklin
Oscar Insurance Company Bronze Simple
$546/moFor a family of four (two 40-year-olds and two kids under 14): Oscar Insurance Company Bronze Simple at $1,746/month before subsidies.
Carriers selling 2026 plans in Franklin
5 carriers sell 2026 plans on Healthcare.gov for Williamson County residents; 1 additional carrier offers off-exchange-only plans (not subsidy-eligible). 119 plans total in Williamson County.
| Carrier | On-exchange plans |
|---|---|
| Ambetter | 16 |
| Oscar | 15 |
| BlueCross BlueShield of Tennessee, Inc. | 12 |
| UnitedHealthcare | 12 |
| Cigna | 10 |
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 |
What you'll actually pay in Franklin
Estimated monthly net premium for the cheapest Bronze plan above ($546/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Williamson Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $656/mo | $0/mo |
| $40,000 | 256% | $466/mo | $80/mo |
| $60,000 | 383% | $255/mo | $291/mo |
| $100,000 | 639% | — | $546/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | $2,336/mo | $0/mo |
| $80,000 | 249% | $1,847/mo | $0/mo |
| $130,000 | 404% | — | $1,746/mo |
| $200,000 | 622% | — | $1,746/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Franklin, Tennessee for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Oscar Insurance Company Bronze Simple at $546 per month before subsidies. Plans sell through Healthcare.gov. Franklin is in Williamson County, Tennessee; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Franklin's 2026 ACA pricing compare to other Tennessee cities?
Cheapest Bronze for a 40-year-old in Franklin is $546 per month before subsidies. For comparison: Nashville at $546/mo; Memphis at $466/mo; Knoxville at $480/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
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
- Statewide Tennessee pricing and metal tiers
- Nashville pricingcheapest Bronze $546/mo
- Memphis pricingcheapest Bronze $466/mo
- Knoxville pricingcheapest Bronze $480/mo
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. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.