{
  "title": "Tennessee individual marketplace, plan year 2027",
  "description": "Insurers selling 2027 marketplace plans in Tennessee, statewide rate changes, and federal plan-year limits.",
  "last_verified": "2026-10-17",
  "sources": [
    {
      "name": "ACASignups — 2027 Tennessee rate changes (from SERFF filings)",
      "url": "https://acasignups.net/node/9965"
    },
    {
      "name": "Tennessee Department of Commerce & Insurance — health insurance information",
      "url": "https://www.tn.gov/commerce/insurance/consumer-resources/health-insurance-information.html"
    },
    {
      "name": "CMS 2027 out-of-pocket limits",
      "url": "https://www.cms.gov/marketplace"
    }
  ],
  "data": {
    "marketplace": "Federally facilitated (HealthCare.gov)",
    "insurers": [
      {
        "name": "BlueCross BlueShield of Tennessee",
        "avg_rate_change_percent": 10.4,
        "rate_status": "filed/approved"
      },
      {
        "name": "Celtic Insurance Co. / Ambetter (Centene)",
        "avg_rate_change_percent": null,
        "rate_status": "filing partly redacted"
      },
      {
        "name": "Oscar Insurance Co.",
        "avg_rate_change_percent": 21.4,
        "rate_status": "approved"
      },
      {
        "name": "UnitedHealthcare Insurance Co.",
        "avg_rate_change_percent": 24.5,
        "rate_status": "approved"
      },
      {
        "name": "Alliant Health Plans",
        "avg_rate_change_percent": 23.3,
        "rate_status": "filed/approved"
      }
    ],
    "exiting": [
      {
        "name": "Cigna",
        "note": "Leaving the Tennessee individual marketplace after 2026; enrollees must choose a new plan."
      }
    ],
    "statewide_avg_rate_change_percent": "15.6–15.9",
    "carriers_by_rating_area": "Not yet verified for 2027; confirm on HealthCare.gov window shopping.",
    "out_of_pocket_max": {
      "self_only": 12000,
      "family": 24000
    },
    "rating_areas": 8,
    "premiums_published": false,
    "premiums_note": "This site does not publish premiums. They vary by age, county, tobacco use and plan, and change every year. Check HealthCare.gov window shopping."
  }
}