Head-to-head, from CMS Plan Year 2026 data.
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Tennessee is the cheaper of the two: a 40-year-old pays about $773/month for the median Silver plan, versus $789 — a difference of $16/month (2%) before subsidies.
| Tennessee | Florida | |
|---|---|---|
| Median Silver @40 | $773 | $789 |
| Cheapest Silver @40 | $646 | $554 |
| Most expensive county @40 | $1,001 | $2,203 |
| Age 27 | $530 | $454 |
| Age 60 | $1,372 | $1,177 |
| Carriers | 6 | 15 |
| Counties | 95 | 67 |
| 1-carrier counties | 0 | 1 |
| Plan types | EPO | EPO, HMO, POS, PPO |
Network note: Tennessee has no PPO plans in 2026 while Florida does. If you work across county or state lines that difference matters more than the premium gap.
Source: CMS Plan Year 2026 Qualified Health Plan Landscape. Full-price filed rates before premium tax credits; not a quote or an offer of coverage.
This page sets two states against each other. For county-by-county carriers, plan data and help actually enrolling, I publish a page for each state on Coverage by County: Tennessee or Florida. There is also a blog covering deductibles, subsidies and special enrollment periods.
Change the age or income and both states recalculate: the 2027 marketplace price after any tax credit, and the private plan estimate.
| Monthly, age 45, $85,000 | Tennessee | Florida |
|---|---|---|
| Marketplace benchmark Silver, full price | $929 | $852 |
| Tax credit | none | none |
| You pay for the benchmark plan | $929 | $852 |
| Private plan estimate (low end: no deductible) | $350–$485 | $365–$515 |
At 45 on $85,000, the benchmark plan costs $920 a year more in Tennessee than in Florida, at full price in both, since that income is over the tax-credit line.
2027 estimates: KFF 2026 benchmark raised by each state’s average 2027 change, on the federal age curve; 2027 tax credit rules. Your county will differ. Every state at once: what you would pay in each state.
Put your ZIP code in and a licensed agent will show you the carriers filing in your county, what the cheapest plan costs, and what you would actually pay after any help you qualify for. No cost, and you talk to a licensed agent — not a call center.
A move between Tennessee and Florida triggers a 60-day special enrollment period, so the 15 carriers filing in Florida (or the 6 in Tennessee) are open to you outside the usual window. The catch is on both ends — you normally need to have carried qualifying coverage for a day or more in the 60 days before moving, and moves made for treatment or travel are excluded.
Nothing transfers. You close the old plan and enroll fresh against the new state’s counties — 95 in Tennessee, 67 in Florida — which means a new network and a new price regardless of which insurer you land on.
Some continuity is possible: Ambetter, Cigna, Oscar and UnitedHealthcare file in both, out of 6 in Tennessee and 15 in Florida. Same company is easier paperwork, but it is a different plan on a different network at a different price. Cigna leaves the individual market at the end of 2026, so it is not a bridge into 2027.
This is the asymmetry that bites. Florida has PPO plans across all 67 counties; Tennessee sells none in any of its 95. The PPO is the plan type most likely to pay outside its own network, so heading toward Tennessee usually costs you the ability to see Florida providers for anything short of an emergency.
Only one of the two can be your plan state. Marketplace eligibility runs on primary residence, so if you file from Tennessee the Florida care is the out-of-network half, and the reverse if you file from Florida.
Picking between Tennessee and Florida on the headline number is a mistake. Enter your ZIP and a licensed agent will show you what is actually filed for you.
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