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Health Insurance in Tennessee — Plans, Costs & Enrollment

Find the right health insurance plan in Tennessee. Compare 60+ plans from top carriers, check your subsidy eligibility, and enroll with help from a licensed broker.

Call 866-981-8620 — Licensed in TN

Tennessee Health Insurance Market Overview

Tennessee residents shopping for individual or family health insurance in 2026 have access to 60+ plans through the federal Health Insurance Marketplace (HealthCare.gov). The benchmark silver plan for a 40-year-old averages approximately $470/month before premium tax credits are applied.

With the enhanced ACA subsidies expiring at the end of 2025, many Tennessee residents will see significant premium increases for 2026 — particularly those with household incomes above 400% of the Federal Poverty Level. Working with a licensed broker ensures you're evaluating every available option and maximizing any subsidies you still qualify for.

Health Insurance Carriers in Tennessee

BCBS TN
Ambetter
Oscar

Carrier availability varies by county. Call for plans in your area.

Key Enrollment Facts for TN

Exchange Type

Federal Marketplace (FFM)

Open Enrollment Ends

January 15, 2026

Benchmark Silver Premium

$470/mo (40yr old)

Plans Available

60+ plans

Find Coverage in Your Tennessee City

Health insurance costs and carrier options can vary significantly by county. Select your city below for localized plan information and pricing estimates.

Nashville Memphis Knoxville Chattanooga Clarksville Murfreesboro Franklin Jackson Johnson City Bartlett

Whether you're looking for individual health insurance plans, need to understand your options during open enrollment, or want to explore supplemental coverage options, our licensed advisors can help you navigate the Tennessee market.

Ready to Compare Plans in Tennessee?

A licensed advisor can walk you through your options — no cost, no obligation.

Call 866-981-8620

Tennessee Health Insurance FAQ

What health insurance companies operate in Tennessee?

The major health insurance carriers offering individual and family plans in Tennessee for 2026 include BCBS TN, Ambetter, Oscar. Carrier availability can vary by county, so it's important to check which plans are available in your specific ZIP code.

How much does health insurance cost in Tennessee?

The 2026 benchmark silver plan premium for a 40-year-old in Tennessee averages approximately $470 per month before any premium tax credits. Your actual cost depends on your age, household income, county of residence, and chosen plan tier.

Does Tennessee have its own health insurance exchange?

Tennessee uses the federal marketplace (HealthCare.gov) for individual and family health insurance enrollment. You can shop plans online or call a licensed broker for personalized assistance.

When is open enrollment for health insurance in Tennessee?

Open enrollment for 2026 coverage in Tennessee runs from November 1, 2025 through January 15, 2026. If you miss open enrollment, you may still qualify for a Special Enrollment Period through a qualifying life event.

Can I get health insurance in Tennessee outside of open enrollment?

Yes, if you experience a qualifying life event — such as losing job-based coverage, getting married, having a baby, or moving — you have 60 days to enroll in a new plan through a Special Enrollment Period. Short-term health insurance plans are also available year-round in most areas.

Need help finding the right plan in Tennessee? Call our licensed advisors — no obligation.

Call 866-981-8620

affordablehealthcareplans.net is operated by Prodest Insurance Group. Jeremy Irons (NPN: 20969524) is a licensed health insurance broker licensed in NC, SC, GA, FL, TX, VA, TN, AL, MS, AR, KY, IN, OH, PA, NJ, CO, and AZ. This site is not affiliated with HealthCare.gov, the federal Health Insurance Marketplace, or any government agency. We do not offer Medicaid, Medicare, or CHIP enrollment. Insurance products and availability vary by state. Not all products available in all areas. By calling or submitting a quote request, you consent to be contacted by a licensed insurance agent.