Health Insurance in Tennessee
The average benchmark silver plan premium in Tennessee's ACA marketplace is approximately $465/month before subsidies. Subsidies are available for most people earning 100–400% of the federal poverty level and can reduce your cost significantly or to $0.
Medicaid in Tennessee
Tennessee has NOT expanded Medicaid. This creates a coverage gap for adults earning between the Medicaid threshold and the ACA marketplace subsidy floor (100% of FPL). If you fall in this gap, explore other options such as community health centers.
Tennessee Health Insurance Context
Tennessee has not fully expanded Medicaid. The state has a partial waiver program (TennCare) but it does not cover the full expansion population. Tennessee uses the federal Healthcare.gov marketplace.
Health Coverage Options in Tennessee
- Employer-sponsored insurance: Usually the most cost-effective if available
- ACA Marketplace plans: Available at $465/month/month (before subsidies) — subsidies can dramatically lower your cost
- Medicaid: Limited eligibility in Tennessee — check your specific situation
- Medicare: For adults 65+ and qualifying individuals with disabilities
- Short-term health plans: Low-cost but limited coverage — not ACA-compliant
Frequently Asked Questions
How much does health insurance cost in Tennessee?
The average benchmark silver ACA marketplace plan in Tennessee costs approximately $465/month per month before subsidies. Most people who enroll qualify for premium tax credits that can significantly reduce this cost — or bring it to $0 for lower-income households. Use our calculator to estimate your net premium.
Has Tennessee expanded Medicaid?
No, Tennessee has not expanded Medicaid, which means many low-income adults fall into a coverage gap and do not qualify for either Medicaid or marketplace subsidies. Tennessee has not fully expanded Medicaid. The state has a partial waiver program (TennCare) but it does not cover the full expansion population. Tennessee uses the federal Healthcare.gov marketplace.
When can I enroll in health insurance in Tennessee?
The ACA Open Enrollment Period (OEP) typically runs November 1 – January 15 for coverage starting the following year. Outside of OEP, you can enroll if you have a qualifying life event (job loss, marriage, birth, etc.) through a Special Enrollment Period (SEP). Medicaid enrollment is open year-round in Tennessee.
What is the best health insurance plan in Tennessee?
The best plan depends on your health needs, budget, and preferred doctors. In Tennessee, compare Silver plans on the marketplace — they balance premiums and out-of-pocket costs for most people. If you qualify for Medicaid, that is typically the most affordable option. Use our calculator to model different scenarios.