Health insurance for Tennesseans who buy their own.
We help Tennesseans who buy their own health insurance compare marketplace plans, from people leaving a job in Nashville or Memphis to self-employed workers and early retirees waiting on Medicare.
Tennessee plans we compare
What’s different about health insurance in Tennessee.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Tennessee FAQ- Tennessee uses HealthCare.gov. Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027, and you must enroll by December 15 for a January 1 start.
- Enhanced federal tax credits expired after 2025, so households above 400% of the poverty level get no premium help in 2026.
- Tennessee has not expanded Medicaid. Most adults without children cannot get TennCare at any income, and those under the poverty line also miss out on marketplace credits.
- Six insurers sell 2026 marketplace plans, but Cigna is leaving after 2026, leaving five for 2027.
- Tennessee continuation lets small-employer workers keep group coverage for about 3 extra months, far shorter than COBRA.
- Farm Bureau Health Plans and longer short-term plans are sold here, but they can screen you for health conditions.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Tennessee's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Tennessee, and what to use instead.
Learn moreWho sells plans in Tennessee
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Tennessee FAQ, or ask an agent at (888) 214-4898.
Open enrollment on HealthCare.gov runs from November 1, 2026 to January 15, 2027. To have coverage start January 1, 2027, you need to enroll by December 15, 2026. Outside that window you need a qualifying life event, such as losing other coverage.
No. Tennessee uses the federal marketplace, HealthCare.gov. You can apply there yourself, by phone at 1-800-318-2596, or with help from a licensed agent.
Yes, if your household income is between 100% and 400% of the federal poverty level. The enhanced credits that removed the upper income limit expired after 2025, so above 400% you pay full price. Tennessee does not add its own state subsidy.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Tennessee county, check your subsidy, and walk you through the options. No cost, no obligation.