Benchmark $711/mo · ranked 22 of 23 · median wage $59,850
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The benchmark premium for a 40-year-old in Tennessee is $711 a month for 2026, ranking 22 of 23 states published here. BLS reports a median annual wage of $59,850 for Construction and Building Inspectors in Tennessee.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2027.
This occupation sits above the cliff in 13 of the 23 states reported and below it in the other 10, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Construction and Building Inspectors (SOC 47-4011) in Tennessee. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed home inspector. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.
Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2027 the 400% FPL limit applies again, so household income above $63,840 ends premium tax credit eligibility outright.
Benchmark premium and median wage for this occupation, ranked by premium.
| # | State | Benchmark @40 | Median wage | vs cliff |
|---|---|---|---|---|
| 1 | Maryland | $414 | $71,990 | above |
| 2 | Virginia | $455 | $69,960 | above |
| 3 | Indiana | $474 | $63,750 | below |
| 4 | Nevada | $497 | $76,560 | above |
| 5 | Ohio | $513 | $70,890 | above |
| 6 | Michigan | $523 | $69,890 | above |
| 7 | Colorado | $557 | $78,940 | above |
| 8 | South Carolina | $564 | $60,050 | below |
| 9 | Oklahoma | $604 | $58,810 | below |
| 10 | Wisconsin | $611 | $70,700 | above |
| 11 | Georgia | $615 | $64,290 | above |
| 12 | North Carolina | $638 | $65,830 | above |
| 13 | Utah | $640 | $71,040 | above |
| 14 | Alabama | $645 | $61,500 | below |
| 15 | Illinois | $646 | $73,050 | above |
| 16 | South Dakota | $655 | $63,320 | below |
| 17 | Texas | $661 | $62,110 | below |
| 18 | Mississippi | $662 | $49,750 | below |
| 19 | Kansas | $670 | $61,850 | below |
| 20 | Florida | $683 | $65,340 | above |
| 21 | Nebraska | $710 | $70,730 | above |
| 22 | Tennessee | $711 | $59,850 | below |
| 23 | Arkansas | $774 | $52,970 | below |
This page compares states. For Tennessee specifically — county-by-county carriers, plan data and enrollment help — that is published on Coverage by County. To check whether a plan actually covers your hospital, see Plans By City.
← Home Inspectors in all states · All trades · All occupations
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.
The biggest change here is a carrier walking away. Cigna leaves the ACA individual market on January 1, 2027 — one of the 6 carriers writing in Tennessee today. Every home inspector on a Cigna plan is moving, and doing nothing just means the marketplace chooses the replacement.
On price the only honest number today is national: the Peterson-KFF read of 2027 filings puts the median proposed rise near 15%, spanning −1% to 54%. Final Tennessee rates are not approved, so any precise 2027 figure quoted for this state is guesswork.
Enrollment opens November 1, 2026. Treat December 15 as the deadline: it guarantees January 1 cover on every marketplace, Tennessee included. Conflicting end dates get quoted because a 2025 rule shortened the window and a court vacated it in June 2026, appeal pending — enrol by the 15th and the argument is irrelevant to you.
One thing 2027 will not fix: no PPO is sold anywhere in Tennessee. All 95 counties offer EPO plans only, so care outside the network is effectively emergency-only. If your work as a home inspector crosses county lines, weigh that above the premium.
You already know you are changing plans — Cigna is leaving. The only real question is whether you pick the replacement or the marketplace picks it for you, and that is a much easier decision made now than in the second week of December.
Enter a ZIP and a licensed agent will tell you three things:
Most Home Inspectors here are buying their own coverage without an employer. One ZIP is all I need to show you what is available in your part of Tennessee.
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