INDIVIDUAL & FAMILY PLANS

Coverage for you and your family

Open Enrollment has ended. But if you’ve had certain life changes, you might still be able to sign up for a plan during a special enrollment period (SEP). We’re here to let you know what to expect before you enroll.

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PLAN BENEFITS

Great benefits and extras you’ll love

No matter which Marketplace plan you choose, you’ll get:

Free virtual care coverage
Mental health coverage
Care support from health navigators
Prescription coverage
Discounted gym memberships
Free diabetes support and supplies for those who qualify

GET A QUOTE

Free virtual care coverage

Teladoc Health® primary care services are available for members 13 and older by phone/video chat

Free support for diabetes

Including diabetes-specific medications, preventive care and testing, and no-cost test supplies.
Learn more here

Mental health coverage

Including in-person and telehealth providers and online programs. Teladoc Health mental health therapists are available for members 13 and older

Free preventive benefits

Including checkups, vaccinations, mammograms and more

Free dental and vision coverage for kids

Through age 19

Gift card rewards

Up to $200 per year for certain health screenings and other wellness activities

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All of these benefits are included in every BlueCross Marketplace Plan. Start shopping now.

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We’re here to help

Questions about what’s new with Marketplace plans for 2026? Call us at 1-888-286-0810. Or if you already have a bcbst.com account, click here to chat with us.

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We offer three levels of plans

Whether you’d rather pay less each month or prefer having more control of your overall costs, it helps to think about how you and your insurance will split expenses when looking for Marketplace insurance.
Let’s get started and find the plan that’s right for you.

Bronze

If you don’t go to the doctor often or have many prescriptions, this may be a good plan for you. While the cost for getting care is higher, you will pay less each month. All our Bronze plans are compatible with a health saving account (HSA) which lets you set aside pre-tax money to pay for health care expenses.

Monthly payment

Cost when you get care

Silver

This level offers more of a balance between what you’ll pay each month and your costs when you get care. It’s also the plan to get if you have financial help.

Monthly payment

Cost when you get care

Gold

If you go to the doctor often or have multiple prescriptions, this may be a good plan for you. You’ll pay a little more each month for more coverage, which means you will pay less for care.

Monthly payment

$$$

Cost when you get care

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How do I know if I’m eligible for a Marketplace subsidy?

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What are the out-of-pocket costs for each plan?

Out-of-pocket costs are the expenses for your health care that your insurance doesn't cover. This can include things like deductibles, coinsurance, copayments and other services.

See the out-of-pocket costs for each of our plan levels.

Plan Level	Through the Marketplace	Through BlueCross	Deductible		Member Coinsurance	Out-of-Pocket Maximum		Works with HSA?
Plan Level	Through the Marketplace	Through BlueCross	Individual	Family	Member Coinsurance	Individual	Family	Works with HSA?
Bronze B07			$6,450	$12,900	50%	$7,600	$15,200
Bronze B15			$10,600	$21,200	0%	$10,600	$21,200
Bronze B16			$7,500	$15,000	50%	$10,000	$20,000
Bronze B17			$10,600	$21,200	0%	$10,600	$21,200
Bronze B19			$0	$0	50%	$10,600	$21,200
Bronze B20			$7,400	$14,800	0%	$7,400	$14,800
Silver S20			$3,650	$7,300	50%	$7,750	$15,500
Silver S26			$6,000	$12,000	40%	$8,900	$17,800
Silver S27			$5,900	$11,800	50%	$6,900	$13,800
Silver S29			$5,900	$11,800	50%	$6,900	$13,800
Silver S34			$8,100	$16,200	0%	$8,100	$16,200
Silver S35			$6,350	$12,700	20%	$9,200	$18,400
Gold G08			$2,000	$4,000	25%	$8,200	$16,400

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What are the prescription costs for each plan?

Here's how the prescription costs break down based upon your plan level.

Plan level	Copay and Coinsurance Ranges
Plan level	Generics	Preferred Brand Drugs	Non-Preferred Brand Drugs
Bronze B07	Deductible/Coinsurance	Deductible/Coinsurance	Deductible/Coinsurance
Bronze B15	Deductible/Coinsurance	Deductible/Coinsurance	Deductible/Coinsurance
Bronze B16	$25 Rx Copay	$50 Rx Copay After Deductible	$100 Rx Copay After Deductible
Bronze B17	Deductible/Coinsurance	Deductible/Coinsurance	Deductible/Coinsurance
Bronze B19	$35 Rx Copay	$195 Rx Copay	$250 Rx Copay
Bronze B20	Deductible/Coinsurance	Deductible/Coinsurance	Deductible/Coinsurance
Silver S20	Deductible/Coinsurance $20 Preventive Rx Copay	Deductible/Coinsurance $50 Preventive Rx Copay	Deductible/Coinsurance $100 Preventive Rx Copay
Silver S26	$20 Rx Copay	$40 Rx Copay	$80 Rx Copay After Deductible
Silver S27	Deductible/Coinsurance	Deductible/Coinsurance	Deductible/Coinsurance
Silver S29	Deductible/Coinsurance	Deductible/Coinsurance	Deductible/Coinsurance
Silver S34	$10 Rx Copay	Deductible/Coinsurance	Deductible/Coinsurance
Silver S35	$10 Rx Copay	$75 Rx Copay	$150 Rx Copay
Gold G08	$15 Rx Copay	$30 Rx Copay	$60 Rx Copay

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What does "deductible / coinsurance" mean?

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READY TO SHOP FOR A PLAN?

Plans with financial help

Many people can get help paying for their plan from the federal government. See if you’re eligible for financial help when buying one of our Marketplace plans.

Many people qualify for individual and family plans with financial help
Some qualify for plans with a $0 monthly premium
Shop plans even if you don’t qualify for financial help

Call 1-888-286-0810 to get started, or click/tap the button below.

SHOP HEALTH PLANS

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Plans without financial help

Even if you don’t qualify for financial help on a plan, you can still sign up directly with us. Let us help find the right plan for you.

SHOP HEALTH PLANS

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BlueCross BlueShield of Tennessee Customer Service Representative

Enroll now

You can email us anytime for a Marketplace
insurance quote.
You can also call us at 1-888-286-0810.

Already have an account? Log in to chat.

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Several of the plans listed above are available on the Health Insurance Marketplace. Here's information that may be helpful as you shop for the right plan for you.

Transparency in Coverage

INDIVIDUAL & FAMILY PLANS

PLAN BENEFITS

Free virtual care coverage

Free support for diabetes

Mental health coverage

Free preventive benefits