How to Find Health Insurance in Tennessee

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There are multiple ways to obtain health insurance in Tennessee, and the right choice depends on your needs and budget. Some may qualify for government assistance, while others might opt for private or short-term plans.

1. Through Your Employer – Many workplaces offer health insurance, often covering a portion of the premium. However, not all employers provide this benefit, and even when they do, it may not always be the best option.

1. The Health Insurance Marketplace – Established by the federal government in 2014, this exchange offers major medical plans that accept all applicants, regardless of health status. These plans are ideal for individuals needing financial assistance or those with preexisting conditions. Enrollment runs from November 1st to December 15th each year. You can explore options at healthcare.gov or call 800-318-2596.

1. TennCare (Medicaid) – Tennessee’s Medicaid program provides coverage for those who meet income requirements. If you missed the Marketplace open enrollment and need financial aid, you can apply through the Department of Human Services at TN.gov or call 855-259-0701.

1. Private Insurance – If your income exceeds assistance thresholds and you are relatively healthy, private insurance may be the best option. Working with a local health insurance agent can help you navigate available plans. Simply search online using your zip code to find agents nearby.

Your income and health status play key roles in selecting the right coverage:

• If you qualify for financial assistance, Marketplace or TennCare plans may be the best route.

• If you are healthy and ineligible for assistance, medically underwritten private plans often offer lower premiums and more stable rates over time. These plans assess applicants based on health history and may provide better benefits than standard major medical plans.

By exploring all options, you can find coverage that aligns with your needs and budget.