Health insurance in Tennessee
Tennesseans use HealthCare.gov for Marketplace coverage. From Memphis to Knoxville, we compare the carriers in your county and walk you through the trade-offs in plain English.
- Marketplace
- HealthCare.gov
- Plan options
- ACA & private
- Medicaid expansion
- No
- Our agents
- Licensed in TN
Individual & family plans in Tennessee
Tennessee uses HealthCare.gov, the federal Health Insurance Marketplace. Every Marketplace plan covers essential health benefits like doctor visits, hospital care, prescriptions, maternity care and mental health services, and no one can be turned down because of a pre-existing condition.
Prices depend on your age, your county, whether you use tobacco, and the plan level you choose. Many Tennessee families qualify for a premium tax credit that lowers their monthly payment, and households with modest incomes can get extra savings on Silver plans.
Tennessee has not expanded Medicaid, so some adults with very low incomes fall into a "coverage gap." Talk to us and we'll walk you through every option available to you.
Small business health insurance in Tennessee
We help Tennessee business owners and their employees each get their own individual health coverage, ACA or private, matched to each person's situation and budget. There are no group participation rules, and many employees qualify for income-based savings.
Dental, vision and supplemental coverage
Round out your coverage with dental, vision, accident, critical illness or telehealth plans, whichTennessee residents can usually buy any time of year. See supplemental options.
Areas we serve in Tennessee
Our licensed agents help people statewide, including in Nashville, Memphis, Knoxville, Chattanooga, Clarksville and Murfreesboro. Everything can be done by text, phone and online, so it doesn't matter where in Tennessee you live.
Page last reviewed November 2026.
Tennessee health insurance FAQs
How do I sign up for health insurance in Tennessee?
Tennessee residents enroll in Marketplace plans through HealthCare.gov, the federal marketplace. You can apply yourself or have a licensed agent like us help you compare plans and complete the application at no extra cost.
Can I get help paying for health insurance in Tennessee?
Many Tennessee households qualify for a premium tax credit that lowers the monthly cost of a Marketplace plan, based on income and household size. Tennessee has not expanded Medicaid, so some adults with very low incomes may not qualify for either Medicaid or Marketplace savings. We will help you understand your options.
Do you offer private health insurance in Tennessee?
Yes. Along with ACA Marketplace plans, we offer private health insurance options in Tennessee. We compare both and recommend the most affordable fit for your situation.
Do you help small businesses in Tennessee?
Yes. We help Tennessee business owners and their employees each get their own individual coverage, ACA or private, plus dental, vision and other add-ons.
Compare Tennessee health plans in about a minute.
Answer a few quick questions and a licensed agent will text you with options. No cost, no obligation.