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Individual and Family

The American Rescue Plan's premium-cutting subsidies

Find out how the American Rescue Plan drastically reduced marketplace health insurance costs in Tennessee from Nashville, to Memphis, to Knoxville, Chattanooga and beyond. And learn how the Inflation Reduction Act has extended those subsidy enhancements through 2025. Enroll during open enrollment (November 1 to January 15 in Tennessee) or during a special enrollment period if you experience a qualifying life event.

Learn about the Tennessee marketplace

Short-term coverage in Tennessee

Tennessee defaults to federal rules, which allow short-term medical plans to have initial terms of up to 364 days, and total duration, including renewals, of up to 36 months. Learn more about short-term health insurance in Tennessee.

View short-term plans in Tennessee

Medicaid in Tennessee

Tennessee has not implemented expanded Medicaid eligibility under the Affordable Care Act, which means that there are an estimated 118,000 residents in the coverage gap — ineligible for Medicaid and also ineligible for premium subsidies in the exchange. Learn more about Medicaid expansion efforts in Tennessee.

Learn more about Medicaid in Tennessee

Medicare enrollment in Tennessee

More than 1.4 million Tennesseans had Medicare coverage as of 2022. That’s about 20% of the state’s total population. Learn about Medicare coverage options in Tennessee.

View our Tennessee Medicare enrollment guide

Flexible dental benefits. Fast approval.

Protect yourself from the soaring costs of dental procedures. Compare plan options to see premiums and deductibles that fit your budget.

Compare dental plans in Tennessee

Frequently asked questions about health insurance
coverage options in Tennessee

Tennessee has a federally run exchange, so enrollees use to sign up for exchange plans. The exchange offers individuals and families in Tennessee an opportunity to enroll in self-purchased (as opposed to employer-sponsored) health plans. These policies are used by early retirees, the self-employed, and anyone employed by a small business that doesn’t offer health benefits.

The exchange is also the only place where premium subsidies and cost-sharing reductions are available, based on household income.

Read our overview of the Tennessee health insurance marketplace – including news updates and exchange history.

The open enrollment period for individual/family coverage runs from November 1 to January 15. Outside of open enrollment, a qualifying life event is necessary to enroll or make changes to your coverage.

Read more in our comprehensive enrollment guides:

In Tennessee, consumers may be able to buy affordable individual and family health insurance by enrolling through the ACA marketplace ( More than 90% of consumers who enrolled in 2022 coverage through received premium subsidies.

Tennesseans may also find affordable coverage through Medicaid if they’re eligible. See Medicaid eligibility guidelines in Tennessee.

Short-term health insurance is also a lower-cost coverage option in Tennessee, where at least eight insurers offer short-term plans. But note that premium subsidies cannot be used to purchase short-term health plans, and short-term coverage does not include the ACA’s consumer protections. So it’s not a good solution for most people.

For 2023, six insurers offer plans for sale in the Tennessee exchange, including one newcomer and one exit. The insurers have varying service areas, which means not all plans are available in all areas). The following insurers offer plans in Tennessee’s marketplace for 2023:

  • Ascension Personalized Care/US Health & Life (new for 2023)
  • Blue Cross Blue Shield of Tennessee
  • Cigna
  • Oscar
  • Celtic/Ambetter
  • UnitedHealthcare

Bright Health offered plans in the Tennessee exchange in 2022, but exited the individual/family market at the end of 2022 (in Tennessee as well as all of the other states where they offered plans). So Tennessee’s exchange lost one insurer and gainedanother for 2023, keeping the number of participating insurers at six.

UnitedHealthcare rejoined the exchange in Tennessee as of 2021. UnitedHealthcare offered plans in the exchange in 2016, but left at the end of that year.

The weighted average rate change for 2023 in Tennessee amounted to an increase of about 8.5%. For 2022 coverage, the weighted average rate change was an increase of 4.4%.

Health insurance premiums in Tennessee’s individual insurance market decreased in 2019 and decreased again in 2020. But that followed two years of sharp increases, in 2017 and 2018.

For most people who enroll in coverage through the Tennessee exchange, premium subsidies (premium tax credits) offset a large portion of the cost of coverage. And although subsidy amounts do change from one year to another, they keep coverage affordable for most enrollees, regardless of how full-price premiums fluctuate.

348,097 people enrolled in private plans through Tennessee’s exchange during the open enrollment period for 2023 coverage. This was by far a record high, and the first time that Tennessee exchange enrollment had exceeded 275,000 people.

The prior year’s enrollment of 273,680 people had also been a record high at that point. Nationwide exchange enrollment hit a record high in 2022 and again in 2023. The enrollment growth was driven in large part by the American Rescue Plan‘s subsidy enhancements, which have made subsidies larger and more widely available. These enhancements were initially slated to last through 2022, but were extended through 2025 by the Inflation Reduction Act.

The ACA included a provision to create Consumer Oriented and Operated Plans (CO-OPs). In Tennessee, Community Health Alliance Mutual Insurance Company was an ACA-created CO-OP, and was one of Tennessee’s five exchange carriers in 2015.

But in October 2015, the Tennessee Department of Commerce and Insurance announced that Community Health Alliance would discontinue operation at the end of the year, and enrollees needed to select coverage from a different insurer for 2016.

Tennessee’s was one of several CO-OPs nationally that closed at the end of 2015 – due in large part to the fact that the federal government was only able to pay out a fraction of the money insurers were owed under the risk corridor program.

Read more about the Affordable Care Act’s CO-OP health plans.

Despite an overall aversion to Obamacare, Tennessee’s population has seen improved health insurance coverage under the healthcare reform law. The state’s overall uninsured rate has dropped from 13.9 percent in 2013 to 9.5% in 2017, although it rose to 10.1% in 2018 and remained at that level in 2019. Although the uninsured rate is lower than it was in 2013, it was still higher than the national average of 9.2% as of 2019. That’s due in large part to the fact that Tennessee has refused to accept federal funding to expand Medicaid under the ACA.

However, more than 348,000 Tennessee residents enrolled in private plans through the marketplace in Tennessee for 2023, all of whom have coverage for the ACA’s essential health benefits, regardless of pre-existing conditions or coverage history.

And as of 2022, 90% of Tennessee’s marketplace enrollees were receiving premium subsidies that made their monthly insurance premiums much more affordable than they would otherwise be. In addition, 48% were receiving cost-sharing reductions, which kept their out-of-pocket medical expenses (deductible, copays, coinsurance) lower than they would otherwise be.

Tennessee can be counted among the states with higher uninsured rates and persisting resistance to the Affordable Care Act. As such, it opted for a more hands-off approach with a federally facilitated exchange and has not yet expanded Medicaid.

Tennessee has also allowed non-ACA-compliant Farm Bureau plans to continue to be sold to healthy Tennessee residents, which has resulted in a less healthy risk pool for  ACA-compliant health insurance plans in Tennessee. The state has long regarded Farm Bureau plans as separate from the insurance industry, so they’re not regulated by the state’s rules that apply to insurance and thus have lower costs. By opting to continue that practice in 2014 and beyond, Tennessee allowed those plans to continue to be sold to healthy applicants. They were the only state in the country that allowed this for the first few years of ACA implementation, but several others states have enacted legislation to allow them in recent years.  

In 2010, Tennessee’s U.S. Senators Lamar Alexander and Bob Corker (both Republicans), voted against the ACA. In the House, four Republican representatives voted no while five Democratic representatives voted yes.

Alexander and Corker have both since retired. But their replacements, Bill Hagerty and Marsha Blackburn, are both strongly opposed to the ACA. Prior to her election to the Senate, Blackburn was the Budget Chair in the House, and was thus responsible for shepherding the American Health Care Act (an attempt to repeal the ACA) through the House in 2017. The U.S. House now has just one Democratic representative from Tennessee, and eight Republicans.

And at the state level, the Tennessee legislature has a strong Republican majority in both chambers.

Former Governor Bill Haslam, a Republican, worked with the Obama Administration to try to gain approval for his modified version of Medicaid expansion, and he met with then-Secretary of HHS Sylvia Matthews Burwell in July 2014 to continue the discussions he had been having with Secretary Sebelius. Haslam said he would like to expand Medicaid to cover another 161,000 low-income Tennessee residents, but he wanted higher co-payments than the Obama Administration HHS would allow, and no compromise was reached.

Haslam was term-limited and could not run in 2018. His successor, Bill Lee, also a Republican, won by the election by a substantial margin.

The ACA called for Medicaid to be expanded to cover all Tennessee residents with incomes up to 138% of poverty. In 2012 however, the Supreme Court ruled that states could opt out of Medicaid expansion, which Tennessee has done so far.

Because Tennessee has not expanded Medicaid, there are an estimated 118,000 impoverished residents in the coverage gap, with no access to financial assistance for their health coverage.

Subsidies for private plans sold in the health insurance marketplace are not available for those who earn less than poverty level, and non-disabled childless adults are not eligible for Medicaid in Tennessee, regardless of income. Parents with dependent children can get Medicaid in Tennessee if their household income is up to 95% of poverty, however – a more generous threshold than many of the other non-expansion states use.

Tennessee made headlines in 2019 with the enactment of HB1280, which directed the state to seek federal permission to implement a block grant funding model for TennCare (the state’s Medicaid program), instead of the current open-ended federal matching funds. Critics of the legislation note that block grants are likely to result in reduced Medicaid funding over time. No Democrats were included on the House committee that worked on the block grant legislation, and the legislature was fraught with tension over the issue.

The Trump administration granted approval for the block grant funding in January 2021, shortly before leaving office. But the waiver approval is under review by the Biden administration, and the Biden administration has asked the state to make several modifications to the waiver.

Tennessee does not have state legislation limiting the duration of short-term health insurance plans, so the state defaults to the federal rules. Those rules allow short-term health insurance plans to have initial terms of up to 364 days, and total duration, including renewals, of up to 36 months.

Read more about short-term health insurance in Tennessee.

As of late 2022, there were 1,430,790 Tennessee residents with Medicare coverage, including 694,719 who had selected private Medicare Advantage plans instead of Original Medicare.

Read more about Medicare coverage in Tennessee, including specifics about optional Medicare Advantage and Part D plans, as well as the state’s approach to Medigap plans (optional supplemental coverage that helps to pay some or all of the out-of-pocket expenses that go along with Original Medicare).

Tennessee’s legislature has been quite active in the arenas of healthcare and healthcare reform, but not all of their legislation has been beneficial to the state’s residents.

In 2018, Tennessee enacted legislation that directed the state to seek federal approval for a Medicaid work requirement. And in 2019, the state enacted legislation that directs the state to seek federal approval to transition the state’s federal Medicaid funding to a block-grant system.

Also in the 2019 session, Tennessee enacted H.B.655, which allows any healthcare professional to use barter agreements when treating uninsured patients.

And H.B.1342, which was also enacted in 2019, strengthens protections against surprise balance billing by requiring medical facilities to provide patients with written notification — at least three days in advance of a medical procedure — if they’ll be receiving services from an out-of-network provider at the facility.

The state already required facilities to provide these notifications to patients, but the legislation adds the provision that the disclosure be provided at least three days in advance. Out-of-network physicians who fail to provide the necessary disclosures will not be allowed to balance bill the patient. (Note that the federal No Surprises Act took effect in 2022, banning surprise balance billing in most circumstances nationwide.)

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