Before subsidies, the benchmark silver plan for a 40-year-old in Davidson County cost about $752 a month for 2026, and the Tennessee average for 2027 is $796 a month. Premium tax credits bring that down for many households, depending on income and family size. 5 insurers offered marketplace plans in Davidson County for 2026. Keep reading for what's sold in Davidson County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies near Nashville
Licensed agents can compare plans available in Davidson County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Nashville, TN
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $796/mo before subsidies |
| Davidson County benchmark (2026) | $752/mo |
| Plans offered in Davidson County (2026) | 65 |
| Plan types | EPO |
| Marketplace insurers in Tennessee (2027) | 5 |
| Medicaid expansion | No |
| Short-term plans | Sold (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
Local health care in Nashville
- Nashville plan shoppers should check network access to Vanderbilt University Medical Center, HCA's TriStar Health (anchored by TriStar Centennial Medical Center), and Ascension Saint Thomas. Source
- The Metro Public Health Department serves Nashville and Davidson County under the consolidated Metro government, running clinics across the county. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
How to get ready
- Check that the agent's license is active with the state regulator.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Ask each agent which carriers they can quote in your county.
- Write down the enrollment deadline and confirm your first premium payment.
Free enrollment help in Tennessee
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for TennCare. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
Which insurers sell marketplace plans in Tennessee?
For 2027, marketplace plans in Tennessee come from 5 insurers: BlueCross BlueShield of Tennessee, Ambetter (Celtic), Alliant Health Plans, Oscar Health and UnitedHealthcare. Not every insurer sells in every county.
How much is health insurance in Nashville?
Before subsidies, the benchmark silver plan for a 40-year-old in Davidson County cost about $752 a month for 2026, and the Tennessee average for 2027 is $796 a month. Premium tax credits bring that down for many households, depending on income and family size. 5 insurers offered marketplace plans in Davidson County for 2026. A licensed agent can quote your exact price.
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