- 4carriers selling 2027 marketplace plans in Shelby County
- 68plans on the Shelby shelf, from 24 bronze to 18 gold
- $724benchmark silver for a 40 year old in Shelby, full price per month
Who sells marketplace plans in Shelby County
Shelby County and Davidson 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 Shelby. The biggest lineup in Shelby 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 |
Shelby plan counts from the CMS 2027 landscape file (county FIPS 47157, Rating Area 6). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
What changed in Shelby County for 2027
Cigna sold 10 of the 65 plans in Shelby 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. Shelby now has four carriers and 68 plans, against five carriers and 65 plans in 2026.
What it costs in Shelby County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Shelby 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 Shelby 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 | $383 | $489 | $1,038 | $978 | $1,563 |
| Lowest silver | $554 | $708 | $1,503 | $1,416 | $2,263 |
| Benchmark silver (second lowest) | $567 | $724 | $1,538 | $1,448 | $2,315 |
| Lowest gold | $560 | $715 | $1,519 | $1,431 | $2,287 |
Benchmark silver is the second lowest of the 26 silver premiums listed for Shelby. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Shelby County
Gold and silver are almost the same price in Shelby County. The cheapest gold at 40 is $715, between the cheapest silver ($708) and the benchmark ($724). So for anyone in Shelby who does not qualify for extra silver discounts, gold costs $8 more than the cheapest silver and gold deductibles here top out at $2,500.
In Shelby County the benchmark is $235 above the cheapest bronze at age 40, and 21 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 $724 benchmark minus what the government expects you to pay from your income. A 40 year old in Shelby whose expected share is $235 a month or less would pay nothing for the cheapest bronze. At 60 the Shelby gap grows to $499 and at 21 it shrinks to $184, which is why older enrollees are the ones most likely to find a $0 plan.
Davidson County, around Nashville, is the other Tennessee county I track. Compared with Davidson County, the Shelby benchmark is $176 lower at 40 and the cheapest bronze is $92 lower. The same four carriers sell in both, so moving between Shelby and Davidson changes the price you pay but not the companies you can pick from.
Shelby 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 Shelby County. All 68 plans are EPO plans. Outside emergencies, the 68 EPO plans in Shelby generally pay nothing out of network, so the network list matters more than the premium. 13 plans in Shelby 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 Shelby price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Shelby the premium tax credit is measured against the $724 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Shelby numbers for you.
2027 plans for Shelby County
These are the 2027 plans and prices for Shelby 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 Shelby plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about Shelby County coverage
How many health insurance companies sell marketplace plans in Shelby County, Tennessee?
For 2027, four carriers sell individual marketplace plans in Shelby 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 Shelby County?
At full price before any subsidy, the cheapest bronze plan in Shelby County is $383 a month for a 21 year old, $489 at 40 and $1,038 at 60. In Shelby a couple both aged 40 pays $978 for the cheapest bronze, and two 40 year olds with two children pay $1,563. No catastrophic plan is sold in Shelby for 2027. Most people in Shelby who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Shelby County for 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $724 a month for a 40 year old in Shelby County before subsidies. In Shelby it is $567 at age 21 and $1,538 at age 60, and the lowest silver plan is $708 at 40.
Which insurance companies left Shelby County for 2027?
Cigna sold 10 plans in Shelby 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 Shelby County?
Not on the 2027 marketplace. All 68 plans in Shelby County are EPO plans. 13 of them have a $0 medical deductible, and the cheapest gold plan for a 40 year old in Shelby is $715 a month before subsidies.
More for Shelby County residents
- Health insurance brokers in Tennessee, how to choose one and what it costs
- Every 2027 carrier change in Tennessee
- How Shelby compares with the other 78 counties and parishes I track
- Estimate a Shelby subsidy
Get your Shelby County quote
Send me your ZIP and who needs coverage and I will compare every Shelby 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), Shelby County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines