Tennessee small employers in 2027: what an ICHRA allowance buys on the individual market (median Silver $902 a month at 40, 5 insurers, no PPO on the.
Prefer to talk? Call (713) 575-9904
Licensed Agents in 31 States · NPN #22052447
The short answer: a Tennessee business with 1 to 50 employees chooses between a small-group plan and reimbursing staff for individual plans. The individual market an ICHRA or QSEHRA allowance buys here prices a 40-year-old’s median Silver at $902 a month for 2027 (+16.7% from 2026), the cheapest Silver filed anywhere in the state is $696 (Ambetter of Tennessee, Anderson County), 5 insurers sell, and no marketplace plan in the state is a PPO (every plan is EPO). The owner’s own coverage follows the entity, and the Form 8941 credit follows headcount and wages, the same in every state.
A group quote, an ICHRA costing and the owner’s own plan all start from the same census: who is on payroll, their ages and home counties. Enter your ZIP and a licensed agent runs all four routes for your business, free.
★★★★★
“I run my own business and my time is valuable. Daniel handled everything — compared the private options, explained what I was actually getting, and had me covered fast. Way better experience than trying to navigate it myself.”
| Median Silver, age 40, full price | $902 a month ($773 in 2026) |
|---|---|
| Cheapest Silver filed, age 40 | $696, Streamlined Silver, Anderson County (deductible $4,700) |
| Range of Silver medians across counties | $696 to $1,182 |
| Cheapest Silver at 27 / 50 / 60 | $571 / $973 / $1,478 |
| Insurers selling individual plans for 2027 | 5 (6 in 2026) |
| Counties with a single insurer | 0 of 95 |
| Plan types filed | EPO |
Source: CMS Plan Year 2027 and 2026 Qualified Health Plan Landscape files, every individual-market plan filed in Tennessee. An ICHRA allowance is spent on these plans; an employee’s age moves the price along the federal curve, up to about three times a 21-year-old’s at 60. Small-group plans are priced separately by each carrier and quoted from a census.
The 2027 premium tax credit line for the owner’s own coverage is $63,840 for one person, $86,560 for a couple and $132,000 for a family of four, on net income; above it the full filed price applies and the private market is the comparison. The deduction route depends on the entity (by entity type). Tennessee against the other states: Plans By State; the 1099 side of Tennessee: Plans For 1099; every county’s plans: Coverage by County.