Tennessee Health Insurance Carriers for 2026
These are the insurers selling individual and family health plans in Tennessee for 2026, and where to buy them.
The Tennessee individual market in 2026
Six private insurers sell 2026 individual and family Marketplace plans in Tennessee, though not every insurer sells in every county. Full-price premiums rose sharply for 2026, and Cigna is leaving after 2026, so five insurers have filed to sell 2027 plans.
Insurers selling individual plans in Tennessee
| Insurer | Sells Marketplace plans | Notes |
|---|---|---|
| BlueCross BlueShield of Tennessee | Yes | Tennessee's Blue plan sells marketplace coverage in 2026 and has filed to stay in the market for 2027. |
| Cigna Healthcare | Yes | Sells 2026 marketplace plans in Tennessee but is leaving the ACA individual market at the end of 2026, so its members must choose a new plan for 2027. |
| Ambetter (Celtic Insurance Company) | Yes | Centene's marketplace brand, filed in Tennessee under Celtic Insurance Company, offering 2026 plans and filing to return for 2027. |
| Oscar Health | Yes | Oscar's 2026 Tennessee filing describes plans in the Nashville, Central Tennessee and Memphis areas (rating areas 4, 6 and 8). |
| UnitedHealthcare | Yes | Sells 2026 marketplace plans in Tennessee and has filed for 2027; plan availability depends on your county. |
| Alliant Health Plans | Yes | A Georgia-based insurer whose SoloCare individual plans cover 11 counties in southern Tennessee for 2026. |
Not every insurer sells in every county. Your ZIP code determines which plans you can buy.
Tennessee questions
Don’t see your question? Ask a licensed agent or call (888) 214-4898.
Six: BlueCross BlueShield of Tennessee, Cigna, Ambetter (Celtic), Oscar, UnitedHealthcare and Alliant Health Plans. Not every insurer sells in every county, so your choices depend on where you live.
Cigna is leaving the ACA individual market after 2026, so your plan ends December 31, 2026. Pick a new plan during open enrollment, by December 15 for January 1 coverage. If you do nothing, the marketplace may move you into another plan that could cost more or use different doctors.
Full-price premiums rose an average of 37.5% for 2026, according to healthinsurance.org's summary of rate filings. KFF puts the 2026 benchmark Silver premium for a 40-year-old at $711 a month before subsidies, up from $516 in 2025. Insurers proposed an average increase of about 12.7% for 2027.
Sources
Reviewed October 2026. Rules and prices change every year; a licensed agent will confirm what applies to you.
- healthinsurance.org: Tennessee ACA marketplace guide (updated September 2026)
- Oscar 2026 Tennessee open enrollment presentation (TDCI)
- Alliant Health Plans: 2026 SoloCare Tennessee brochure
- KFF State Health Facts: Marketplace average benchmark premiums
- HealthCare Insider: Cigna is leaving the ACA marketplace in 2027
