Benchmark $711/mo · ranked 22 of 23 · median wage $66,670
Prefer to talk? Call (713) 575-9904
Licensed Independent Agent · NPN #22052447 · 23 States
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 $66,670 for Real Estate Brokers in Tennessee.
Above the cliff. At this income a single-person household receives no premium tax credit for 2027 and pays the full premium.
This occupation sits above the cliff in 8 of the 20 states reported and below it in the other 12, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Real Estate Brokers (SOC 41-9021) 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 real estate broker. 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 | $82,500 | above |
| 2 | Virginia | $455 | $55,660 | below |
| 3 | Indiana | $474 | $76,330 | above |
| 4 | Nevada | $497 | $86,730 | above |
| 5 | Ohio | $513 | $45,850 | below |
| 6 | Michigan | $523 | $58,640 | below |
| 7 | Colorado | $557 | $79,400 | above |
| 8 | South Carolina | $564 | $54,300 | below |
| 9 | Oklahoma | $604 | — | — |
| 10 | Wisconsin | $611 | $63,690 | below |
| 11 | Georgia | $615 | — | — |
| 12 | North Carolina | $638 | $62,660 | below |
| 13 | Utah | $640 | $81,230 | above |
| 14 | Alabama | $645 | $62,000 | below |
| 15 | Illinois | $646 | $55,290 | below |
| 16 | South Dakota | $655 | — | — |
| 17 | Texas | $661 | $66,700 | above |
| 18 | Mississippi | $662 | $43,670 | below |
| 19 | Kansas | $670 | $40,930 | below |
| 20 | Florida | $683 | $63,440 | below |
| 21 | Nebraska | $710 | $47,170 | below |
| 22 | Tennessee | $711 | $66,670 | above |
| 23 | Arkansas | $774 | $63,890 | above |
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.
← Real Estate Brokers 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 real estate broker on a Cigna plan is moving, and doing nothing just means the marketplace chooses the replacement.
Rate filings for 2027 point to roughly a 15% median increase nationally, from −1% at one end to 54% at the other. Tennessee has finalised: insurers were approved for an average 15.6% increase for 2027. Your own premium still turns on your plan and county.
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 real estate broker 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:
Coverage for Real Estate Brokers is priced county by county across Tennessee. Enter your ZIP and a licensed agent will show you what is on the table.
★★★★★
“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.”