Cigna offers the cheapest health insurance in Tennessee, with an average monthly premium of $572. Availability can vary, so check out Oscar, Ambetter, Blue Cross Blue Shield, US Health and Life Insurance Company and UnitedHealthcare for affordable health insurance options.
Cheapest Health Insurance in Tennessee: Affordable Plans for 2025
Updated: November 3, 2025
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Key Takeaways
Cigna provides Tennessee's most affordable health insurance, at an average premium of $572 per month.
Ambetter offers cheapest full coverage Gold plans, with affordable pricing starting at $609 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
| Cigna | $572 | $6,868 | $9,200 |
| Oscar | $583 | $6,994 | $8,780 |
| US HEALTH AND LIFE INSURANCE COMPANY | $583 | $7,002 | $9,183 |
| Ambetter | $586 | $7,028 | $7,898 |
| Blue Cross Blue Shield | $593 | $7,121 | $8,201 |
| UnitedHealthcare | $640 | $7,677 | $9,380 |
*These plans reflect rates for 40-year-olds who aren't considered low-income.
Cheapest Health Insurance in Tennessee: Cigna
Cigna
MoneyGeek Score:
95/ 100
Overview
Cigna leads Tennessee's affordable health insurance market with the lowest Silver-tier rates at $572 monthly for 40-year-olds. The insurer offers disease management support for common chronic conditions, including high blood pressure and high cholesterol, which can help you avoid expensive complications down the road.
Emergency care requires 40% coinsurance after your deductible, meaning a $10,000 ER visit costs you $4,000 once you've met your deductible. Cigna received a complaint index score of 0.79 from the National Association of Insurance Commissioners, indicating fewer complaints than typical for a company of its size.
The company earned third place in J.D. Power's 2025 Healthcare Digital Experience Study with a score of 644, reflecting solid but not exceptional digital tools. Cigna provides only Silver and Gold metal tiers in Tennessee, limiting your options if you want Bronze coverage for lower premiums or Platinum for comprehensive benefits.
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:
| Children (0-14) | Cigna | $343 | $4,111 | $9,200 |
| Teens (18) | Cigna | $409 | $4,906 | $9,200 |
| Cheapest Expanded Bronze (40) | US HEALTH AND LIFE INSURANCE COMPANY | $423 | $5,073 | $9,433 |
| Cheapest Bronze (40) | Oscar | $435 | $5,218 | $9,100 |
| Young Adults (26) | Cigna | $459 | $5,503 | $9,200 |
| Adults (40) | Cigna | $572 | $6,868 | $9,200 |
| People with Low Back Pain (40) | Blue Cross Blue Shield | $593 | $7,121 | $8,201 |
| Cheapest Gold (40) | Ambetter | $609 | $7,309 | $7,325 |
| Seniors (60) | Cigna | $1,215 | $14,585 | $9,200 |
Cheapest Health Insurance Plans by County in Tennessee
While Cigna 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:
- 1Determine 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.
- 2Find out your subsidy eligibility
People earning between $15,650 and $62,600 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($39,125) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3Consider 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.
- 4Review 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.
- 5Compare 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 Cigna, Oscar, Ambetter, Blue Cross Blue Shield, US Health and Life Insurance Company and UnitedHealthcare. 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?
Cigna offers the cheapest health insurance in Tennessee, with Silver plans starting at $572 per month for 40-year-olds. For other affordable options, consider Oscar, Blue Cross Blue Shield and Ambetter.
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.
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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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.