- 5carriers selling 2026 marketplace plans in Davidson County
- 65plans on the Davidson shelf, from 25 bronze to 16 gold
- $752benchmark silver for a 40 year old in Davidson, full price per month
Who sells marketplace plans in Davidson County
Davidson County and Shelby County, the two Tennessee counties I track, have the same number of carriers, five each. Across all 79 counties and parishes I track in 24 states, 30 have more carriers than Davidson. The biggest lineup in Davidson belongs to Ambetter of Tennessee with 16 plans, about 25 percent of everything on offer.
| Carrier | Plans | Bronze | Silver | Gold | Network types |
|---|---|---|---|---|---|
| Ambetter of Tennessee | 16 | 6 | 4 | 6 | EPO 16 |
| OscarOscar Insurance Company | 15 | 6 | 7 | 2 | EPO 15 |
| BlueCross BlueShield of Tennessee | 12 | 5 | 5 | 2 | EPO 12 |
| UnitedHealthcare | 12 | 4 | 4 | 4 | EPO 12 |
| CignaCigna Healthcare Leaving for 2027 | 10 | 4 | 4 | 2 | EPO 10 |
Davidson plan counts from the CMS 2026 landscape file (county FIPS 47037, Rating Area 4). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
Leaving Davidson County for 2027
Cigna sells 10 of the 65 plans in Davidson County this year. Cigna is leaving the ACA individual market in every state where it sells, on and off exchange, for 2027. After that exit, four carriers are left from the 2026 Davidson lineup: Ambetter of Tennessee, Oscar, BlueCross BlueShield of Tennessee and UnitedHealthcare. If you are enrolled with Cigna in Davidson, you will get a notice this fall. If you do nothing you are moved to a replacement plan picked on price and metal level, and nothing in that process checks your doctors or prescriptions.
What it costs in Davidson County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Davidson plan at each metal level. I show the sticker price because it is what your subsidy is subtracted from, and most people who enroll in Davidson pay less, often a lot less.
| Monthly premium, full price | Age 21 | Age 40 | Age 60 | Couple, both 40 | Couple 40 + 2 kids |
|---|---|---|---|---|---|
| Lowest bronze | $427 | $546 | $1,159 | $1,092 | $1,746 |
| Lowest silver | $587 | $751 | $1,594 | $1,502 | $2,400 |
| Benchmark silver (second lowest) | $589 | $752 | $1,598 | $1,505 | $2,406 |
| Lowest gold | $564 | $721 | $1,530 | $1,441 | $2,304 |
Benchmark silver is the second lowest of the 24 silver premiums listed for Davidson. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Davidson County
The gold row is the surprise in Davidson County. The cheapest gold plan for a 40 year old, $721 a month, is $30 cheaper than the cheapest silver plan at $751. That happens because Tennessee carriers load the cost of the extra silver discounts into silver premiums. If your income is too high for those discounts, silver is the worst value on the Davidson shelf, and a gold deductible here tops out at $2,000.
In Davidson County the benchmark is $207 above the cheapest bronze at age 40, and 25 of the other 78 counties and parishes I track have a wider one. That gap decides whether bronze can be free, because your subsidy is the $752 benchmark minus what the government expects you to pay from your income. A 40 year old in Davidson whose expected share is $207 a month or less would pay nothing for the cheapest bronze. At 60 the Davidson gap grows to $439 and at 21 it shrinks to $162, which is why older enrollees are the ones most likely to find a $0 plan.
Shelby County, around Memphis, is the other Tennessee county I track. Compared with Shelby County, the Davidson benchmark is $98 higher at 40 and the cheapest bronze is $80 higher. The same five carriers sell in both, so moving between Davidson and Shelby changes the price you pay but not the companies you can pick from.
Davidson plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Bronze | 4 | 0 | $7,500 to $10,600 |
| Expanded Bronze | 21 | 6 | $0 to $9,000 |
| Silver | 24 | 1 | $0 to $8,100 |
| Gold | 16 | 3 | $0 to $2,000 |
| Total | 65 | 10 |
There is not a single PPO on the 2026 marketplace in Davidson County. All 65 plans are EPO plans. Outside emergencies, the 65 EPO plans in Davidson generally pay nothing out of network, so the network list matters more than the premium. 10 plans in Davidson have a $0 medical deductible (6 expanded bronze, 3 gold and 1 silver). The 6 bronze ones among them still have out of pocket maximums of $9,900 to $10,600, so a $0 deductible does not mean a small bill.
Every Davidson price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Davidson the premium tax credit is measured against the $752 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Davidson numbers for you.
2027 plans for Davidson County
These are the 2026 plans and prices for Davidson County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Davidson numbers then. Open enrollment for 2027 coverage in Tennessee runs from November 1, 2026 to January 15, 2027, and December 15 is the last day to pick a plan that starts January 1.
Questions about Davidson County coverage
How many health insurance companies sell marketplace plans in Davidson County, Tennessee?
For 2026, five carriers sell individual marketplace plans in Davidson County: Ambetter of Tennessee, Oscar, BlueCross BlueShield of Tennessee, UnitedHealthcare and Cigna. Together they offer 65 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Davidson County?
At full price before any subsidy, the cheapest bronze plan in Davidson County is $427 a month for a 21 year old, $546 at 40 and $1,159 at 60. In Davidson a couple both aged 40 pays $1,092 for the cheapest bronze, and two 40 year olds with two children pay $1,746. No catastrophic plan is sold in Davidson for 2026. Most people in Davidson who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Davidson County for 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $752 a month for a 40 year old in Davidson County before subsidies. In Davidson it is $589 at age 21 and $1,598 at age 60, and the lowest silver plan is $751 at 40.
Which insurance companies are leaving Davidson County for 2027?
Cigna is leaving the ACA individual market in every state where it sells, on and off exchange, for 2027. In 2026 it sells 10 plans in Davidson County. Four carriers from the 2026 Davidson lineup remain: Ambetter of Tennessee, Oscar, BlueCross BlueShield of Tennessee and UnitedHealthcare. The full 2027 lineup and prices are published around November 1, 2026.
Can I get a PPO plan in Davidson County?
Not on the 2026 marketplace. All 65 plans in Davidson County are EPO plans. 10 of them have a $0 medical deductible, and the cheapest gold plan for a 40 year old in Davidson is $721 a month before subsidies.
More for Davidson County residents
- Health insurance brokers in Tennessee, how to choose one and what it costs
- Every 2027 carrier change in Tennessee
- How Davidson compares with the other 78 counties and parishes I track
- Estimate a Davidson subsidy
Get your Davidson County quote
Send me your ZIP and who needs coverage and I will compare every Davidson plan you qualify for with your subsidy applied, free and with no pressure.
Get my free quote → Or book a callSources
- Centers for Medicare & Medicaid Services, QHP Landscape Individual Market Medical, plan year 2026 (public use file), Davidson County rows
- HealthCare.gov, Health plan information for individuals and families
- STAT, Cigna to exit the ACA individual market in 2027
- healthinsurance.org, ACA open enrollment deadlines