Ambetter offers the cheapest overall health insurance in Tennessee, with an average monthly premium of $376. Availability can vary, so check out Blue Cross Blue Shield, UnitedHealthcare, Oscar and Alliant Health Plans for affordable health insurance options.
Most Affordable Health Insurance in Tennessee
Updated: June 10, 2025
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Key Takeaways
Ambetter provides Tennessee's most affordable health insurance, saving policyholders an average of $241 per month compared to the state average.
Alliant Health Plans offers top-rated full coverage Platinum plans, with affordable pricing starting at $797 monthly.
Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.
Most Affordable Health Insurance Companies in Tennessee
| Ambetter | $376 | $241 |
| Blue Cross Blue Shield | $418 | $199 |
| UnitedHealthcare | $480 | $137 |
| Oscar | $563 | $55 |
| Alliant Health Plans | $606 | $11 |
*These plans reflect rates for 40-year-olds who aren't considered low-income.
Cheapest Tennessee Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Tennessee, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
- Cheapest for Young Adults: Blue Cross Blue Shield ($418 monthly)
- Cheapest for Seniors: Blue Cross Blue Shield ($1,108 monthly)
- Cheapest Catastrophic Plan: Oscar ($380 monthly)
- Cheapest Expanded Bronze Plan: Ambetter ($414 monthly)
- Cheapest Bronze Plan: Blue Cross Blue Shield ($404 monthly)
- Cheapest Silver Plan: Blue Cross Blue Shield ($522 monthly)
- Cheapest Gold Plan: Blue Cross Blue Shield ($527 monthly)
- Cheapest Full Coverage (Platinum Plan): Alliant Health Plans ($797 monthly)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
Select
Plan Level:Silver
Select
Age:40
| Blue Cross Blue Shield | BlueCross S27E $60 PCP Copay + $0 virtual care from Teladoc Health ® | $522 | $36 | $6,300 |
Cheapest Health Insurance Plans by County in Tennessee
While Ambetter is the cheapest provider overall, Blue Cross Blue Shield dominates in affordability and availability for Silver plans in most counties. Below, you can review which company and plan are most affordable in your area.
| Anderson | Blue Cross Blue Shield | $467 | BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Bedford | Oscar | $492 | Silver Classic Standard |
| Benton | Cigna | $507 | Connect Silver 4000 Indiv Med Deductible |
| Bledsoe | Blue Cross Blue Shield | $490 | BlueCross S27E $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Blount | Blue Cross Blue Shield | $467 | BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Bradley | Blue Cross Blue Shield | $490 | BlueCross S27E $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Campbell | Blue Cross Blue Shield | $467 | BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Cannon | Ambetter | $489 | Standard Silver |
| Carroll | Cigna | $507 | Connect Silver 4000 Indiv Med Deductible |
| Carter | Ambetter | $489 | Standard Silver |
| Cheatham | Ambetter | $451 | Standard Silver SELECT |
| Chester | Cigna | $507 | Connect Silver 4000 Indiv Med Deductible |
| Claiborne | Blue Cross Blue Shield | $467 | BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Clay | Ambetter | $489 | Standard Silver |
| Cocke | Blue Cross Blue Shield | $467 | BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Coffee | Oscar | $492 | Silver Classic Standard |
| Crockett | Cigna | $507 | Connect Silver 4000 Indiv Med Deductible |
| Cumberland | Ambetter | $489 | Standard Silver |
| Davidson | Ambetter | $451 | Standard Silver SELECT |
| DeKalb | Ambetter | $489 | Standard Silver |
| Decatur | Cigna | $507 | Connect Silver 4000 Indiv Med Deductible |
| Dickson | Oscar | $492 | Silver Classic Standard |
| Dyer | Cigna | $507 | Connect Silver 4000 Indiv Med Deductible |
| Fayette | Ambetter | $451 | Standard Silver SELECT |
| Fentress | Ambetter | $489 | Standard Silver |
| Franklin | Blue Cross Blue Shield | $490 | BlueCross S27E $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Gibson | Cigna | $507 | Connect Silver 4000 Indiv Med Deductible |
| Giles | Oscar | $492 | Silver Classic Standard |
| Grainger | Blue Cross Blue Shield | $467 | BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Greene | Ambetter | $489 | Standard Silver |
| Grundy | Blue Cross Blue Shield | $490 | BlueCross S27E $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Hamblen | Blue Cross Blue Shield | $467 | BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Hamilton | Blue Cross Blue Shield | $490 | BlueCross S27E $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Hancock | Ambetter | $489 | Standard Silver |
| Hardeman | Cigna | $507 | Connect Silver 4000 Indiv Med Deductible |
| Hardin | Cigna | $507 | Connect Silver 4000 Indiv Med Deductible |
| Hawkins | Ambetter | $489 | Standard Silver |
| Haywood | Ambetter | $451 | Standard Silver SELECT |
| Henderson | Cigna | $507 | Connect Silver 4000 Indiv Med Deductible |
| Henry | Cigna | $507 | Connect Silver 4000 Indiv Med Deductible |
| Hickman | Oscar | $492 | Silver Classic Standard |
| Houston | Oscar | $492 | Silver Classic Standard |
| Humphreys | Oscar | $492 | Silver Classic Standard |
| Jackson | Ambetter | $489 | Standard Silver |
| Jefferson | Blue Cross Blue Shield | $467 | BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Johnson | Ambetter | $489 | Standard Silver |
| Knox | Blue Cross Blue Shield | $467 | BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Lake | Cigna | $507 | Connect Silver 4000 Indiv Med Deductible |
| Lauderdale | Ambetter | $451 | Standard Silver SELECT |
| Lawrence | Oscar | $492 | Silver Classic Standard |
| Lewis | Oscar | $492 | Silver Classic Standard |
| Lincoln | Oscar | $492 | Silver Classic Standard |
| Loudon | Blue Cross Blue Shield | $467 | BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Macon | Ambetter | $489 | Standard Silver |
| Madison | Cigna | $507 | Connect Silver 4000 Indiv Med Deductible |
| Marion | Blue Cross Blue Shield | $490 | BlueCross S27E $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Marshall | Oscar | $492 | Silver Classic Standard |
| Maury | Oscar | $492 | Silver Classic Standard |
| McMinn | Blue Cross Blue Shield | $490 | BlueCross S27E $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| McNairy | Cigna | $507 | Connect Silver 4000 Indiv Med Deductible |
| Meigs | Blue Cross Blue Shield | $490 | BlueCross S27E $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Monroe | Blue Cross Blue Shield | $467 | BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Montgomery | Ambetter | $451 | Standard Silver SELECT |
| Moore | Oscar | $492 | Silver Classic Standard |
| Morgan | Blue Cross Blue Shield | $467 | BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Obion | Cigna | $507 | Connect Silver 4000 Indiv Med Deductible |
| Overton | Ambetter | $489 | Standard Silver |
| Perry | Oscar | $492 | Silver Classic Standard |
| Pickett | Ambetter | $489 | Standard Silver |
| Polk | Blue Cross Blue Shield | $490 | BlueCross S27E $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Putnam | Ambetter | $489 | Standard Silver |
| Rhea | Blue Cross Blue Shield | $490 | BlueCross S27E $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Roane | Blue Cross Blue Shield | $467 | BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Robertson | Ambetter | $451 | Standard Silver SELECT |
| Rutherford | Ambetter | $451 | Standard Silver SELECT |
| Scott | Blue Cross Blue Shield | $467 | BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Sequatchie | Blue Cross Blue Shield | $490 | BlueCross S27E $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Sevier | Blue Cross Blue Shield | $467 | BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Shelby | Ambetter | $451 | Standard Silver SELECT |
| Smith | Ambetter | $489 | Standard Silver |
| Stewart | Oscar | $492 | Silver Classic Standard |
| Sullivan | Ambetter | $489 | Standard Silver |
| Sumner | Ambetter | $451 | Standard Silver SELECT |
| Tipton | Ambetter | $451 | Standard Silver SELECT |
| Trousdale | Ambetter | $451 | Standard Silver SELECT |
| Unicoi | Ambetter | $489 | Standard Silver |
| Union | Blue Cross Blue Shield | $467 | BlueCross S27L $60 PCP Copay + $0 Virtual Care for Medical & Mental Health |
| Van Buren | Ambetter | $489 | Standard Silver |
| Warren | Ambetter | $489 | Standard Silver |
| Washington | Ambetter | $489 | Standard Silver |
| Wayne | Oscar | $492 | Silver Classic Standard |
| Weakley | Cigna | $507 | Connect Silver 4000 Indiv Med Deductible |
| White | Ambetter | $489 | Standard Silver |
| Williamson | Ambetter | $451 | Standard Silver SELECT |
| Wilson | Ambetter | $451 | Standard Silver SELECT |
How to Find the Cheapest Health Insurance in Tennessee
Follow these steps to find affordable health insurance in Tennessee:
- 1
Determine coverage plan needs and affordability
Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.
- 2
Find out your subsidy eligibility
People earning between $14,580 and $54,000 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($36,450) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3
Consider federal programs for eligible age groups
If you're of suitable age, explore Medicare Advantage plans and Medicare Supplement plans. These plans may offer more affordable and flexible alternatives to traditional plans.
- 4
Review prescription formularies
Check insurers' prescription coverage for medications you regularly take. Choosing plans with lower-tier placements and reduced copays for your medications can optimize savings and ensure consistent and affordable access to necessary prescriptions, saving you hundreds of dollars each year.
- 5
Compare plans during Open Enrollment
The Open Enrollment period lasts from November 1 to January 15. However, if you've experienced life changes like job loss, divorce or having a child, you may qualify for Special Enrollment. During this time, assess the types of coverage, customer ratings, costs and network availability with medical providers.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.
Most Affordable Health Insurance in Tennessee: Bottom Line
Tennessee's most affordable health insurance companies are Ambetter, Blue Cross Blue Shield, UnitedHealthcare, Oscar and Alliant Health Plans. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Tennessee Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Tennessee:
What is the cheapest health insurance in Tennessee?
Ambetter offers the cheapest health insurance in Tennessee, with Silver plans starting at $376 per month for 40-year-olds. For other affordable options, consider Blue Cross Blue Shield, UnitedHealthcare, Oscar and Alliant Health Plans.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies in Tennessee
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Tennessee based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.