Compare Tennessee health insurance plans, estimate your subsidy, and understand your options. Free, unbiased, and takes 2 minutes.
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This search surfaces our written guides. It doesn't replace advice from a licensed insurance producer.
A licensed Tennessee agent will review your options and help you compare ACA Marketplace plans at no cost to you.
Tennessee residents enroll through Connect for Health Tennessee (healthcare.gov), the state-run marketplace. Missing key deadlines can mean waiting months for coverage.
The ACA Marketplace opens for new enrollments and plan changes for the 2027 coverage year.
Enroll by December 15 to have your plan start on January 1, 2027. The most-used deadline.
The final day of Open Enrollment. Plans start February 1, 2027. After this, a qualifying life event is required.
Lost coverage? Changed jobs? Moved? Qualifying life events open a 60-day Special Enrollment Period any time of year.
Find out if you qualify for Advanced Premium Tax Credits (APTC) that lower your monthly premium in Tennessee.
These are the primary insurance companies offering ACA Marketplace plans in Tennessee. Availability varies by county and zip code.
Offers ACA Marketplace plans with broad statewide provider network coverage.
National or regional carrier with Marketplace plans available in select counties.
Offers HMO, EPO, or PPO plan structures — availability varies by county.
Offers ACA Marketplace plans with broad statewide provider network coverage.
National or regional carrier with Marketplace plans available in select counties.
Offers HMO, EPO, or PPO plan structures — availability varies by county.
Answers to the most common questions about ACA health insurance in Tennessee.
Tennessee residents enroll through HealthCare.gov (the federal marketplace) at healthcare.gov. The federal marketplace is where you enroll in ACA health plans and apply for Premium Tax Credits for Tennessee coverage.
No. Tennessee has not expanded Medicaid under the ACA. This means some low-income adults may fall into a coverage gap — earning too much for traditional Medicaid but too little to qualify for Marketplace subsidies (which generally start at 100% of the Federal Poverty Level). Check your exact eligibility with a licensed agent or your state Medicaid agency.
Premium Tax Credits are available to residents of Tennessee earning between 138% and above the FPL. There is no strict upper income cap — anyone paying more than 8.5% of income on the benchmark Silver plan may qualify. Residents at 100–250% FPL may also qualify for cost-sharing reductions on Silver plans.
Subsidy amounts depend on household income and the benchmark Silver plan cost in your county. A licensed agent can confirm whether any additional state-level assistance programs apply to your household.
Your deductible is the amount you pay for covered services before insurance starts paying. Your out-of-pocket maximum is the most you pay in a year — once you hit it, insurance covers 100% of covered costs. For 2026, the ACA out-of-pocket maximum is $9,200 for an individual and $18,400 for a family.
A Special Enrollment Period (SEP) lets you enroll in or change a Marketplace plan outside of Open Enrollment if you have a qualifying life event. Events include losing other health coverage, getting married, having a baby, moving to a new area, or turning 26. You typically have 60 days from the event to enroll.
At the federal level, the individual mandate penalty was reduced to $0 in 2019. Tennessee does not have a state-level penalty either. However, going without insurance means paying 100% of all medical costs out of pocket — even a short hospital stay can cost tens of thousands of dollars without coverage.
Location and topic-specific guides for Tennessee health insurance are being added. Check back soon for county- and city-level articles.