Health insurance cost in Bradley County, TN (2026)

59 Marketplace plans from 5 insurance companies are sold in Bradley County in 2026. Here is what they cost by tier and age, what a tax credit does to the price, the cheapest plans by name, and what private plans run for healthy households.

Cheapest Bronze, age 40

$482/mo

full price, before any credit

Silver benchmark, age 40

$699/mo

the plan tax credits are based on

Plans

59 EPO

Insurers

selling in this county

Deductibles

$0 to $10,600

individual, standard plans

Monthly premiums by tier and age

Tier	Age 21	Age 30	Age 40	Age 50	Age 60
Bronze (22 plans)	$377–$541	$428–$614	$482–$691	$674–$966	$1,024–$1,468
Silver (20 plans)	$546–$728	$620–$827	$698–$931	$975–$1,301	$1,482–$1,977
Gold (16 plans)	$533–$761	$605–$863	$681–$972	$952–$1,359	$1,447–$2,065
Platinum (1 plans)	$672–$672	$763–$763	$859–$859	$1,201–$1,201	$1,825–$1,825

Lowest to highest monthly premium among the plans sold in Bradley County, before any tax credit, from the CMS 2026 plan file (snapshot August 4, 2026).

Ranges at a glance (age 40)

Blue: Marketplace tiers, full price. Green: private plan range for a healthy 40-year-old man in Tennessee, after the advisors' usual adjustment.

What a tax credit does in Bradley County

Household	% of poverty level	Estimated tax credit	Cheapest Bronze, full → after credit
A single 40-year-old earning $40,000	255%	$412/mo	$482 → $70
A family of four (parents 40 and 38, two kids) earning $85,000	264%	$1,587/mo	$1,529 → $0

2025 federal poverty guidelines apply to 2026 coverage; the enhanced credits of 2021–2025 expired, so the 400% cutoff is back (for one person that is $62,600 a year, for four $128,600). The Marketplace sets the final credit.

See your own numbers for Bradley County

Enter your age, household and income and get every Marketplace plan priced for you, your estimated tax credit, and a private plan range, side by side, in about 30 seconds. No medical questions.

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Cheapest Marketplace plans in Bradley County

Priced for a 40-year-old, full price. Every plan, with deductibles and copays, is in the tool once you enter your household.

Cheapest Bronze plans

SoloCare Exp Bronze EPO $9500 DED 10015Alliant Health Plans, Inc. · EPO$482/mo at 40 · deductible $9,500 · max out-of-pocket $10,150

SoloCare Standard Exp Bronze EPO $7500 DED 10008Alliant Health Plans, Inc. · EPO$492/mo at 40 · deductible $7,500 · max out-of-pocket $10,000

Everyday BronzeAmbetter of Tennessee · EPO$535/mo at 40 · deductible $8,450 · max out-of-pocket $10,150

Cheapest Silver plans

Standard SilverAmbetter of Tennessee · EPO$698/mo at 40 · deductible $6,000 · max out-of-pocket $8,900

SoloCare Standard Silver EPO $6000 DED 10007Alliant Health Plans, Inc. · EPO$699/mo at 40 · deductible $6,000 · max out-of-pocket $8,900

Enhanced Diabetes Care Silver with $0 Drug OptionsAmbetter of Tennessee · EPO$716/mo at 40 · deductible $5,000 · max out-of-pocket $8,650

Cheapest Gold plans

SoloCare Standard Gold EPO $2000 DED 10006Alliant Health Plans, Inc. · EPO$681/mo at 40 · deductible $2,000 · max out-of-pocket $8,200

SoloCare Gold EPO $1500 DED 10010Alliant Health Plans, Inc. · EPO$699/mo at 40 · deductible $1,500 · max out-of-pocket $8,500

Standard GoldAmbetter of Tennessee · EPO$712/mo at 40 · deductible $2,000 · max out-of-pocket $8,200

Private plans in Tennessee

Age	Man, monthly range	Woman, monthly range
30	$52–$328	$126–$426
40	$118–$456	$151–$504
50	$240–$526	$224–$515
60	$391–$719	$327–$651

A family of four (parents 40 and 38 with two children) is typically quoted $477 to $953 a month in Tennessee. Private plans are not ACA plans: no tax credit, health questions on the application, and pre-existing conditions can raise the price or be excluded. Deductibles are usually lower than the cheapest Marketplace tiers and you can enroll any month of the year.

Questions people ask

What is the cheapest health insurance in Bradley County?

For a 40-year-old paying full price, the cheapest Marketplace plan in Bradley County is a Bronze plan at $482 a month (Alliant Health Plans, Inc.). With a tax credit it can be far less; see the examples above. Private plans for a healthy 40-year-old man start around $118 a month.

How many health insurance companies sell Marketplace plans in Bradley County?

5 in 2026: Alliant Health Plans, Inc., Ambetter of Tennessee, BlueCross BlueShield of Tennessee, Cigna Healthcare, UnitedHealthcare. Between them they offer 59 plans (59 EPO).

Do I qualify for a tax credit in Bradley County?

Marketplace premium tax credits apply when household income is between 100% and 400% of the federal poverty level, which for 2026 means up to $62,600 for one person or $128,600 for a family of four. Tennessee did not expand Medicaid, so credits start at 100% of the poverty level. Enter your income in the tool to see your estimate.

When can I enroll?

Marketplace Open Enrollment runs from November 1 to mid-January in most states, or within 60 days of a qualifying life event such as losing other coverage, moving, marriage or a new baby. Private plans can be applied for any month of the year.

Nearby counties in Tennessee

All Tennessee counties →

Sources: CMS QHP Landscape PY2026 Individual Medical (data.healthcare.gov, snapshot August 4, 2026); HHS 2025 poverty guidelines; IRS Rev. Proc. 2025-25; private ranges from the carrier rate tables our advisors quote from. Page generated 2026-09-29.