ACA Health Insurance > Break Down > Health Insurance in Tennessee
Health Insurance Tennessee: Your Roadmap to Affordable Coverage
From Memphis to Knoxville—We’ve Got Tennessee Covered.
Hey there, Tennessee neighbor! Shopping for health insurance in Tennessee? Whether you’re changing jobs, going solo, or enrolling for the first time, this guide helps you understand your options and get the coverage you need—without the guesswork.
Why Should You Buy Health Insurance in Tennessee?
Medical bills are one of the leading causes of financial stress—but the right health plan can shield you from the worst of it.
Here’s why coverage matters in Tennessee:
Over 10% of Tennesseans under 65 are uninsured.
Chronic illnesses like diabetes and high blood pressure are common statewide.
All ACA plans include free preventive services, such as screenings, vaccines, and wellness checkups.
When life throws you a curveball, insurance keeps you protected and prepared.
Types of Health Insurance Available in Tennessee
Marketplace Plans (ACA via HealthCare.gov)
Tennessee uses the federal marketplace. You can apply for ACA-compliant plans and financial help directly at HealthCare.gov.
Short-Term Insurance
Short-term plans offer temporary, basic coverage for a few months. These are not ACA-compliant but can help if you’re between jobs or missed open enrollment.
Medicare
If you’re 65+ or have qualifying disabilities, Medicare covers hospital visits, outpatient services, and prescription drugs—with add-on options available.
Medicaid (TennCare)
Tennessee’s Medicaid program is called TennCare, and it serves eligible low-income residents. While the state hasn't expanded Medicaid, some individuals still qualify based on income or medical conditions.
Private Insurance
Employer-sponsored and directly purchased plans are available, and we help you compare them alongside marketplace options.
Compare plans based on price and benefits with us.
Is Health Insurance Required in Tennessee?
Nope—there’s no mandate requiring Tennesseans to carry health insurance. But skipping coverage can put you at serious risk.
Without insurance, you could face sky-high bills from even a minor emergency. Plus, you miss out on free preventive care and access to low-cost prescription programs.
Choosing a plan, even a basic one, is a smart step for your health and your finances.
How Much Does Health Insurance Cost in Tennessee?
Costs vary by region, age, income, and family size. But thanks to subsidies, many Tennesseans pay much less than they think.
Some qualify for $0/month plans, and many others get solid ACA coverage for under $75/month on HealthCare.gov. Even if you’ve looked before, it’s worth checking again—rules and rates change every year.
Medicare and private plan costs vary depending on coverage levels and add-ons.
💡 Consider adding a price calculator to help visitors estimate their premium and savings instantly.
How to Pick the Right Health Plan for You
When reviewing options, ask yourself:
Which doctors or hospitals do I prefer?
What prescriptions do I need covered?
Can I afford a higher monthly premium for a lower deductible—or vice versa?
Am I managing any health conditions?
Your answers help determine the best plan—and we help you find it.
Our Health Insurance Services in Tennessee
Health insurance can feel complicated. We simplify every step, from browsing to enrolling.
Who We Help
We assist:
Freelancers and small business owners
Parents juggling family coverage
Seniors new to Medicare
Anyone tired of insurance confusion
What We Offer
We help with:
HealthCare.gov enrollment
TennCare (Medicaid) assistance
Medicare plan reviews
Private plan comparisons
Dental, vision, and prescription savings
And yes—we offer bilingual support in Spanish.
How to Get Started
Review and compare available plans.
Ask a licensed Tennessee agent your questions (optional).
Enroll by phone or online—it’s quick and easy.
You’ll be covered in no time.
Most Affordable Health Insurance in Tennessee
These carriers offer some of the best-priced plans on the Tennessee marketplace:
BlueCross BlueShield of Tennessee – Offers a variety of plans with strong networks across the state.
Ambetter of Tennessee – Known for low premiums and solid member tools.
Oscar Health – Digital-first plans with flexible options and low copays.
We’ll help you compare based on price, coverage, and convenience.
Top 3 Most Uninsured Cities in Tennessee
These Tennessee cities face higher uninsured rates than the state average:
Memphis, TN – Economic challenges and job transitions drive coverage gaps.
Clarksville, TN – Many residents qualify for subsidies but aren’t aware.
Jackson, TN – High rates of uninsured young adults and part-time workers.
No matter where you live, we’ll help you find a plan that fits your life and budget.
Final Tip from Your Friendly Guide
Health insurance in Tennessee isn’t just about doctor visits—it’s about confidence, control, and peace of mind.
Let us help you find a plan that works for you. Whether you're exploring or enrolling, you’re not in this alone.
Just a heads-up! We looked at our own data to figure out the average health insurance prices as of January 2025. These numbers are just meant to give you an idea—your actual quote might be different depending on your personal situation.
Also, our lawyers want us to remind you: this info is general and doesn’t change what’s actually written in your real insurance policy, which can be different depending on where you live. It’s always a good idea to chat with your own trusted advisor if you have specific questions.
This post is just here to help you get helpful info and tips—not to replace real advice. Plus, if we mention anything from other people or companies, just know that’s their opinion, not ours. And remember, not all plans or discounts are available everywhere!