Health Insurance Plans in Tennessee
Compare ACA marketplace plans, short-term coverage, dental, vision, and ancillary products available to Tennessee residents. Get a free quote from a licensed advisor today.
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Tennessee Health Insurance at a Glance
Here's what you need to know about health coverage options in Tennessee.
Tennessee has not expanded Medicaid, making the ACA marketplace the primary pathway for uninsured adults. However, strong carrier competition and accessible pricing make marketplace plans a viable option for many families. TennCare covers eligible low-income groups.
Check Plans in Your ZIP Code
Enter your ZIP code to see carriers, estimated costs, and coverage options available in your specific area.
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Get My Personalized Quote →ACA Marketplace Plans in Tennessee
ACA plans offer comprehensive coverage with protections for pre-existing conditions and potential subsidies.
How the Tennessee Marketplace Works
Tennessee residents enroll through Federal (HealthCare.gov). Plans are available in four metal tiers — Bronze, Silver, Gold, and Platinum — each with different premium and out-of-pocket cost structures.
- No denial for pre-existing conditions
- 10 essential health benefits covered by law
- Subsidies available based on income
- Children covered up to age 26 on a parent's plan
- Free preventive care (screenings, vaccines, wellness visits)
Top Carriers in Tennessee
These insurance companies offer ACA marketplace plans in Tennessee:
- Blue Cross Blue Shield of Tennessee
- Ambetter
- Cigna Healthcare
- Oscar Health
- UnitedHealthcare
Carrier availability varies by county. A licensed advisor can tell you exactly which plans are available in your ZIP code.
Medicaid in Tennessee
Tennessee has not expanded Medicaid under the ACA.
This means there is a coverage gap for some low-income adults who earn too much for traditional Medicaid but too little to qualify for ACA marketplace subsidies. Short-term health plans and ancillary products can help bridge this gap.
Check Your Eligibility →Short-Term Health Insurance in Tennessee
Need coverage fast? Short-term plans can start in as little as 24 hours.
Short-Term Plan Rules in Tennessee
- Maximum duration: 12 months, renewable up to 36 months
- Coverage can begin within 24–72 hours of enrollment
- Lower premiums than ACA plans (but fewer benefits)
- Best for: between jobs, waiting for employer coverage, aging off a parent's plan
Short-term plans are not ACA-compliant — they do not cover pre-existing conditions and may have limited benefits. But for healthy individuals who need temporary protection, they offer an affordable safety net.
Learn More About Short-Term Plans →Who Should Consider Short-Term in Tennessee?
- Recently lost employer-sponsored coverage
- Waiting for new job benefits to start
- Recent college graduates
- Early retirees not yet eligible for Medicare
- Missed ACA Open Enrollment
Ancillary Plans in Tennessee
Fill the gaps in your health coverage with affordable supplemental plans.
Dental Insurance
Preventive cleanings, fillings, crowns, and more. PPO and HMO options available.
Learn More →Hospital Indemnity
Get paid a fixed cash benefit for every day you spend in the hospital.
Learn More →Critical Illness
Lump-sum cash payment upon diagnosis of cancer, heart attack, stroke, or other covered conditions.
Learn More →Accident Insurance
Cash benefits for ER visits, fractures, dislocations, and other covered injuries.
Learn More →Travel Insurance
Trip cancellation, emergency medical care abroad, and evacuation coverage.
Learn More →Tennessee Health Insurance Questions
Tennessee Insurance Resources
Tennessee Department of Commerce and Insurance
File complaints, verify licenses, and learn about your rights as a consumer.
Tennessee Marketplace
Enroll in ACA plans through Federal (HealthCare.gov).
Health Insurance by City in Tennessee
Find health insurance information specific to your city in Tennessee.
Nashville
Davidson County · Pop. 689,447
Memphis
Shelby County · Pop. 633,104
Knoxville
Knox County · Pop. 190,740
Chattanooga
Hamilton County · Pop. 181,099
Murfreesboro
Rutherford County · Pop. 152,769
Memphis
Shelby County · Pop. 633,104
Nashville
Davidson County · Pop. 715,884
Knoxville
Knox County · Pop. 187,603
Chattanooga
Hamilton County · Pop. 181,099
Clarksville
Montgomery County · Pop. 166,722
Franklin
Williamson County · Pop. 81,108
Murfreesboro
Rutherford County · Pop. 156,430
Jackson
Madison County · Pop. 67,265
Kingsport
Sullivan County · Pop. 55,442
Johnson City
Washington County · Pop. 70,145
Hendersonville
Sumner County · Pop. 51,917
Smyrna
Rutherford County · Pop. 35,934
Collierville
Shelby County · Pop. 50,718
Germantown
Shelby County · Pop. 39,258
Bartlett
Shelby County · Pop. 58,034
Brentwood
Williamson County · Pop. 43,087
Gallatin
Sumner County · Pop. 35,897
Cookeville
Putnam County · Pop. 32,139
Columbia
Maury County · Pop. 38,514
Morristown
Hamblen County · Pop. 29,137
Health Insurance by County in Tennessee
Find health insurance information for your county in Tennessee.
Shelby County
County Seat: Memphis · Pop. 923,643
Davidson County
County Seat: Nashville · Pop. 715,884
Knox County
County Seat: Knoxville · Pop. 460,634
Hamilton County
County Seat: Chattanooga · Pop. 357,099
Montgomery County
County Seat: Clarksville · Pop. 209,488
Williamson County
County Seat: Franklin · Pop. 247,308
Rutherford County
County Seat: Murfreesboro · Pop. 322,179
Madison County
County Seat: Jackson · Pop. 99,089
Sullivan County
County Seat: Blountville · Pop. 156,823
Washington County
County Seat: Jonesborough · Pop. 127,032
Sumner County
County Seat: Gallatin · Pop. 199,314
Putnam County
County Seat: Cookeville · Pop. 78,019
Maury County
County Seat: Columbia · Pop. 102,566
Hamblen County
County Seat: Morristown · Pop. 62,544
Roane County
County Seat: Kingston · Pop. 51,910
Marion County
County Seat: Jasper · Pop. 27,776
Sequatchie County
County Seat: Dunlap · Pop. 14,112
Bledsoe County
County Seat: Pikeville · Pop. 12,876
Grundy County
County Seat: Altamont · Pop. 13,703
Cumberland County
County Seat: Crossville · Pop. 59,721