- 4carriers selling 2027 marketplace plans in Davidson County
- 68plans on the Davidson shelf, from 24 bronze to 18 gold
- $900benchmark 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, four each. Across all 79 counties and parishes I track, 44 have more carriers than Davidson. The biggest lineup in Davidson belongs to Ambetter of Tennessee with 19 plans, about 28 percent of everything on offer.
| Carrier | Plans | Bronze | Silver | Gold | Network types |
|---|---|---|---|---|---|
| Ambetter of Tennessee | 19 | 6 | 7 | 6 | EPO 19 |
| OscarOscar Insurance Company | 19 | 8 | 8 | 3 | EPO 19 |
| UnitedHealthcare | 16 | 5 | 6 | 5 | EPO 16 |
| BlueCross BlueShield of Tennessee | 14 | 5 | 5 | 4 | EPO 14 |
Davidson plan counts from the CMS 2027 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.
What changed in Davidson County for 2027
Cigna sold 10 of the 65 plans in Davidson County in 2026 and has no plans here in the 2027 CMS file. If you were enrolled with Cigna, you should have a notice by now. 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. Davidson now has four carriers and 68 plans, against five carriers and 65 plans in 2026.
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 | $455 | $581 | $1,235 | $1,163 | $1,859 |
| Lowest silver | $680 | $869 | $1,845 | $1,738 | $2,778 |
| Benchmark silver (second lowest) | $704 | $900 | $1,911 | $1,800 | $2,877 |
| Lowest gold | $675 | $862 | $1,832 | $1,725 | $2,757 |
Benchmark silver is the second lowest of the 26 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, $862 a month, is $6 cheaper than the cheapest silver plan at $869. 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 $2,500.
In Davidson County the benchmark is $318 above the cheapest bronze at age 40, and only one of the other 78 counties and parishes I track has a wider one. That gap decides whether bronze can be free, because your subsidy is the $900 benchmark minus what the government expects you to pay from your income. A 40 year old in Davidson whose expected share is $318 a month or less would pay nothing for the cheapest bronze. At 60 the Davidson gap grows to $676 and at 21 it shrinks to $249, 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 $176 higher at 40 and the cheapest bronze is $92 higher. The same four 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 | $11,700 to $11,750 |
| Expanded Bronze | 20 | 7 | $0 to $9,350 |
| Silver | 26 | 2 | $0 to $9,000 |
| Gold | 18 | 4 | $0 to $2,500 |
| Total | 68 | 13 |
There is not a single PPO on the 2027 marketplace in Davidson County. All 68 plans are EPO plans. Outside emergencies, the 68 EPO plans in Davidson generally pay nothing out of network, so the network list matters more than the premium. 13 plans in Davidson have a $0 medical deductible (7 expanded bronze, 4 gold and 2 silver). The 7 bronze ones among them still have out of pocket maximums of $11,800 to $12,000, 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 $900 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 2027 plans and prices for Davidson County, from the CMS plan file released at the end of October 2026. 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. If you already have a Davidson plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about Davidson County coverage
How many health insurance companies sell marketplace plans in Davidson County, Tennessee?
For 2027, four carriers sell individual marketplace plans in Davidson County: Ambetter of Tennessee, Oscar, UnitedHealthcare and BlueCross BlueShield of Tennessee. Together they offer 68 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 $455 a month for a 21 year old, $581 at 40 and $1,235 at 60. In Davidson a couple both aged 40 pays $1,163 for the cheapest bronze, and two 40 year olds with two children pay $1,859. No catastrophic plan is sold in Davidson for 2027. 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 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $900 a month for a 40 year old in Davidson County before subsidies. In Davidson it is $704 at age 21 and $1,911 at age 60, and the lowest silver plan is $869 at 40.
Which insurance companies left Davidson County for 2027?
Cigna sold 10 plans in Davidson County in 2026 and has no plans there in the 2027 CMS plan file. Carriers still selling from the 2026 lineup: Ambetter of Tennessee, Oscar, UnitedHealthcare and BlueCross BlueShield of Tennessee. No new carrier entered for 2027.
Can I get a PPO plan in Davidson County?
Not on the 2027 marketplace. All 68 plans in Davidson County are EPO plans. 13 of them have a $0 medical deductible, and the cheapest gold plan for a 40 year old in Davidson is $862 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 2027 (public use file), Davidson County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines