Ranked 10 of 17 states · median $773/mo · CMS PY2026
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A 40-year-old landscape contractor in Tennessee pays a median $773/month for a Silver plan before subsidies — 10th of 17 on cost. The cheapest plan in the state is $646 from Ambetter of Tennessee in Fayette. On highest out-of-pocket maximum, Tennessee ranks 17 of 17 for this occupation.
Injury exposure means the number that matters is the out-of-pocket maximum, not the premium. A single ER visit and follow-up can hit that ceiling in one month, so these pages rank states by worst-case annual exposure rather than by monthly cost.
Occupational context: Heat illness; equipment injury; pesticide exposure.
Two things get confused here constantly. Risk exposure decides what coverage you should buy. It does not decide what you are charged — Tennessee carriers rate on age, ZIP, tobacco and family size, full stop. A landscape contractor with a bad back and a healthy 40-year-old office worker in the same county see the same number.
Premium is set by rating area, so a landscape contractor in one Tennessee county can pay materially more than one an hour away. Six counties from across the state, cheapest Silver plan for a 40-year-old:
| County | Cheapest Silver @40 | Issuer | Deductible | Carriers |
|---|---|---|---|---|
| Robertson | $751 | Oscar | $6,000 | 5 |
| Clay | $776 | BlueCross BlueShield of Tennessee | $8,100 | 3 |
| Pickett | $776 | BlueCross BlueShield of Tennessee | $8,100 | 3 |
| Coffee | $779 | Oscar | $6,000 | 4 |
| Lewis | $779 | Oscar | $6,000 | 4 |
| Wayne | $779 | Oscar | $6,000 | 4 |
The spread across just these six is $28/month — $339 a year for the same metal tier. Statewide the range runs $646 to $1,001. Coverage by County publishes all 95 Tennessee counties individually.
| Tennessee — worst-case exposure | 2026 |
|---|---|
| Lowest annual out-of-pocket maximum | $5,200 |
| Highest annual out-of-pocket maximum | $10,600 |
| Cheapest Gold plan @40 | $636 — Oscar |
| Gold deductible | $2,000 |
| Cheapest Silver @40 | $646 — Ambetter of Tennessee |
| Cheapest Silver @50 | $903 |
For a landscape contractor, the gap between $5,200 and $10,600 in annual out-of-pocket maximum is worth more than any premium difference on this page. One serious injury reaches that ceiling regardless of which plan you picked.
Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. 5,239 plan records across 95 Tennessee counties. Full-price filed rates before premium tax credits — verify at enrollment.
Cheaper for the same coverage: South Dakota ($725), Oklahoma ($731), Kansas ($765). More expensive: Mississippi ($773), Florida ($789), Utah ($805).
Side-by-side: Tennessee vs Oklahoma · Tennessee vs Kansas · Tennessee vs Mississippi · Tennessee vs Florida
Read the comparison as context, not as a shopping list. Your county of residence determines what you can buy, and for a landscape contractor that is fixed unless you relocate. Where it is actionable is a move already in progress — that is a qualifying life event, and you have 60 days on either side of it.
If you file a Schedule C as a landscape contractor, the categories that usually show up are: Equipment, truck, trailer, materials, licensing. The health premium itself is normally an above-the-line deduction under IRC §162(l), which reduces AGI rather than requiring you to itemize. Your CPA should confirm it against your actual situation.
If your household income is above the subsidy range, ACA is not automatically the answer. There are other categories of coverage that may fit, and they work very differently. That is a conversation, not a web page.
The BLS median wage for Landscaping and Groundskeeping Workers in Tennessee is $37,100 a year (May 2024). Starting pay — the 10th percentile — is about $29,800. The middle half earn $33,910 to $43,900, and the top 10% more than $47,500. BLS counts about 17,330 people doing this work for an employer in Tennessee. The self-employed are not in the BLS survey, so this is the going rate for the work, not your own number.
The cheapest Silver plan for a 40-year-old in Tennessee is $646 per month from Ambetter of Tennessee, with a state median of $773. Both figures are full price before premium tax credits; most buyers pay less after subsidies.
It cannot happen on an exchange plan. Rating in Tennessee uses four inputs only: age, ZIP code, tobacco use and how many people are on the policy. Trade, injury history and pre-existing conditions are all excluded from pricing by law.
No. Only EPO plans were filed for 2026.
Tennessee ranks 10 of 17 states covered here, at a median $773 per month. Indiana is cheapest at $558 and Nebraska is most expensive at $875.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2027.
This occupation is below the cliff in all 23 states reported.
What this figure is. It is the median annual wage BLS reports for Landscaping and Groundskeeping Workers (SOC 37-3011) 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 landscape contractor. 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.
This page compares states. For Tennessee specifically — county-by-county carriers, plan data and enrollment help — I publish that on Coverage by County, including a page written for Landscape Contractors in Tennessee and a blog covering deductibles, subsidies and special enrollment.
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 landscape contractor 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.
Mark November 1, 2026 to open and December 15 to act. That second date guarantees cover from January 1 in Tennessee regardless of how the current litigation over the enrollment window resolves.
There is still no PPO on the Tennessee marketplace — not in any of its 95 counties. Every plan is an EPO, which for a landscape contractor working across a wide area is the binding constraint, not price.
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:
The sticker price is rarely what Landscape Contractors in Tennessee end up paying. Start with a ZIP and a licensed agent will work out your actual number.
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