How much does health insurance cost in Tennessee?

The cost depends on factors like age, location, and plan type. On average, individuals pay $683 per month, while family plans start at $1,684.

What is TennCare, and how can I qualify for it?

TennCare is Tennessee’s Medicaid program, offering health coverage to low-income residents, including children, pregnant women, and people with disabilities. Eligibility is based on income and household size.

Does Tennessee require residents to have health insurance?

No, Tennessee does not enforce an individual mandate. However, having health insurance can protect you from significant medical expenses.

What are the differences between Qualified and Non-Qualified health insurance plans?

Qualified Plans are ACA-compliant and cover Essential Health Benefits like maternity care and mental health. Non-Qualified Plans are more affordable but exclude certain benefits and are not ACA-compliant.

What is the cheapest health insurance option in Tennessee?

Non-qualified plans are typically the most affordable. They provide basic coverage for unexpected medical needs but may lack comprehensive benefits.

When can I enroll in health insurance in Tennessee?

Qualified Plans can be enrolled during Open Enrollment (November 1 to January 15) or during a Special Enrollment Period for qualifying events. Non-Qualified Plans are available year-round.

Are subsidies available for health insurance in Tennessee?

Yes, subsidies and tax credits are available for eligible individuals and families purchasing ACA-compliant plans through the marketplace.

How can I apply for TennCare?

Applications can be submitted online through the Tennessee Department of Human Services or at a local office. Eligibility depends on income and household size.

Can self-employed individuals get health insurance in Tennessee?

Yes, self-employed individuals can purchase ACA-compliant plans or private coverage. Subsidies may be available based on income.

What is the difference between ACA plans and short-term health insurance?

ACA Plans offer comprehensive coverage, including Essential Health Benefits. Short-Term Plans are temporary, more affordable, but limited in coverage and do not meet ACA requirements.

What happens if I miss the Open Enrollment Period?

If you miss Open Enrollment, you may qualify for a Special Enrollment Period due to a qualifying life event, such as marriage, childbirth, or job loss.

Why choose AHiX Marketplace for Tennessee health insurance?

AHiX offers tools to compare plans, find savings, and connect with expert support—all with no additional cost.

What is the difference between Medicaid and TennCare?

Medicaid is a federal-state program offering health coverage for low-income individuals. TennCare is Tennessee’s specific Medicaid program with state-specific features, providing coverage for children, pregnant women, elderly individuals, and those with disabilities.

What costs should I expect from a health insurance plan?

Health insurance plans include costs such as deductibles (out-of-pocket before coverage begins), copays (fixed fees for visits or prescriptions), out-of-pocket maximums (yearly spending cap), and coinsurance (percentage of costs shared after meeting the deductible).

Affordable Tennessee Health Insurance Plans

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Find affordable Tennessee health insurance plans. Compare options easily with our user-friendly platform or explore detailed guides to make the best choice for you and your family.

Each state operates under its own Department of Insurance regulations, which influence healthcare-specific plan details such as pricing, eligibility, and available options. In Tennessee, these regulations shape the flexibility of coverage and costs, making it essential to understand your choices. Before selecting a healthcare plan for yourself or your family, take the time to explore the options available in Tennessee to ensure you find the best fit for your needs.

Types of Health Insurance Plans in Tennessee

Qualified plans are plans that are compliant with the Affordable Care Act, which covers the ten Essential Health Benefits, a guarantee that covers specific healthcare costs no matter your age, location, or health status.

Non-qualified plans available through private marketplaces, are not ACA-compliant and typically exclude certain benefits like maternity care or mental health services. However, they are more affordable and offer flexibility in enrollment, allowing you to sign up anytime throughout the year.

Your choice of plan—whether Qualified or Non-Qualified—will determine your coverage options, including individual, family, or short-term plans. Before deciding, consider your healthcare needs and budget to select a plan that aligns with your priorities.

Benefits of Finding Your Tennessee Insurance Plan with AHiX

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You’ll pay the same as buying directly from trusted insurers, with no hidden fees involved.

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Health Insurance Plans for Everyone

Individual Health Insurance Options in Tennessee

Individual health insurance is a type of coverage designed for those seeking insurance for themselves. You can obtain this insurance coverage directly from qualified insurers, through your employer, via the Tennessee health insurance marketplace, through private exchanges, or by applying for public insurance options like Medicare and Medicaid.

However, Tennessee has not expanded ACA’s Medicaid program. Instead, it offers TennCare, a program with specific eligibility criteria set by the state.

Under qualified plans, individuals can expect to pay these average costs for premiums (Age 40, Zip code 37010):

Single Adult

$683
Married Couple

$1,366

You may also consider non-qualified plans, which are generally less expensive and offer substantial coverage depending on your needs.

Affordable Family Health Insurance Plans in Tennessee

Family health coverage provides coverage for you and your dependents, such as a spouse or children. In Tennessee, you can secure this type of health insurance coverage either through qualified insurers, the health insurance marketplace, or employer-sponsored plans. Social programs like Medicare and Medicaid typically focus on individuals, making them less viable options for families.

Average Premium Costs for Families in Tennessee

Families opting for ACA-qualified plans can expect the following average monthly premiums (Age 40, Zip code 37010):

A Married Couple with One Child

$1,684
A Married Couple with Two Children

$2,003
A Married Couple with Three Children

$2,321

Affordable Alternatives for Families

If cost is a concern, non-qualified health insurance plans offer a budget-friendly solution. While these plans may have fewer benefits compared to ACA-compliant options, they still provide essential coverage for unexpected medical expenses, accidents, or illnesses.

Explore low-cost family health insurance plans in Tennessee today to find coverage that fits your family’s needs and budget.

Short-Term Health Insurance Options in Tennessee

Short-term health insurance is a temporary solution designed for gaps in coverage, such as after leaving a job or while waiting for a qualified plan. These plans are available in Tennessee and offer basic protection for accidents, illnesses, or emergencies but do not cover pre-existing conditions.

Updated Rules (Effective September 1, 2024):

Initial terms are limited to three months.
Total coverage, including renewals, is capped at four months.
Plans are non-renewable beyond the four-month limit, and new applications must meet medical eligibility requirements.

You can apply online and often receive approval the same day, with coverage beginning as soon as the next day.

Types of Individual Health Insurance Plans in Tennessee

Plan Type	Monthly Premium	Deductible	Ideal For	Coverage Description
Bronze	$ (Lowest)	$$$$ (Highest)	Individuals who need minimal coverage or primarily emergency services	Bronze plans offer basic coverage with the lowest monthly premiums but come with higher out-of-pocket costs. Suitable for younger, healthier individuals who expect low healthcare usage.
Silver	$$	$$$	Individuals who need a balance between premium cost and healthcare usage	Silver plans provide a balance between premium costs and out-of-pocket expenses. These plans are ideal for those who use healthcare services occasionally and want moderate coverage.
Gold	$$$	$$	Individuals who expect regular healthcare needs	Gold plans have higher monthly premiums but lower out-of-pocket costs, making them suitable for people with frequent healthcare needs.
Platinum	$$$$ (Highest)	$ (Lowest)	Individuals with extensive healthcare needs	Platinum plans offer the most comprehensive coverage with the highest premiums but the lowest Cost-sharing, perfect for individuals or families requiring extensive healthcare services.

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Tennessee Medical Insurance Statistics

Consider the following statistics about healthcare coverage in Tennessee:

7.126 million

Total Tennessee Population

9.3%

Uninsured Tennessee Residents

555,103

Tennessee HMO Enrollment

$1,825

Annual Employee Premium in Tennessee

$2,590

Hospital Costs in Tennessee before Insurance

Discover Health Insurance Plans for Every Stage of Life in Tennessee

Health Insurance

Health insurance helps protect you from big medical bills and ensures you get the care you need. Each plan’s network often explains what services are covered and how costs are shared between you and the insurance company, making healthcare more affordable.

Explore Health Plans

Dental and Vision Insurance

Affordable dental and vision insurance covers routine cleanings, eye exams, fillings, and prescription lenses. It ensures regular care, lowers out-of-pocket expenses and makes access to essential health services affordable and accessible for everyone.

Browse Dental Plans

Short-Term Health Insurance

Short-term health plans offer temporary coverage for people between plans, like seasonal workers or new employees waiting for group benefits. These affordable plans are simple to enroll in and provide basic care until long-term options with additional benefits are ready.

Find Short-Term Health Plans

Frequently asked questions

How much does health insurance cost in Tennessee?

The cost depends on factors like age, location, and plan type. On average, individuals pay $683 per month, while family plans start at $1,684.
What is TennCare, and how can I qualify for it?

TennCare is Tennessee’s Medicaid program, offering health coverage to low-income residents, including children, pregnant women, and people with disabilities. Eligibility is based on income and household size.
Does Tennessee require residents to have health insurance?

No, Tennessee does not enforce an individual mandate. However, having health insurance can protect you from significant medical expenses.
What are the differences between Qualified and Non-Qualified health insurance plans?
- Qualified Plans: ACA-compliant, covering Essential Health Benefits like maternity care and mental health.
- Non-Qualified Plans: More affordable but exclude certain benefits and are not ACA-compliant.
What is the cheapest health insurance option in Tennessee?

Non-qualified plans are typically the most affordable. They provide basic coverage for unexpected medical needs but may lack comprehensive benefits.
When can I enroll in health insurance in Tennessee?
- Qualified Plans: Open Enrollment runs from November 1 to January 15. You may also qualify for a Special Enrollment Period with a qualifying life event.
- Non-Qualified Plans: Available year-round.
Are subsidies available for health insurance in Tennessee?

Yes, subsidies and tax credits are available for eligible individuals and families purchasing ACA-compliant plans through the marketplace.
How can I apply for TennCare?

Applications can be submitted online through the Tennessee Department of Human Services or at a local office. Eligibility depends on income and household size.
Can self-employed individuals get health insurance in Tennessee?

Yes, self-employed individuals can purchase ACA-compliant plans or private coverage. Subsidies may be available based on income.
What is the difference between ACA plans and short-term health insurance?
- ACA Plans: Comprehensive coverage, including Essential Health Benefits.
- Short-Term Plans: Temporary, more affordable, but limited in coverage and do not meet ACA requirements.
What happens if I miss the Open Enrollment Period?

You may qualify for a Special Enrollment Period due to a qualifying life event, such as marriage, childbirth, or job loss.
Why choose AHiX Marketplace for Tennessee health insurance?

AHiX offers tools to compare plans, find savings, and connect with expert support—all with no additional cost.
What is the difference between Medicaid and TennCare?

Medicaid is a federal-state program offering health coverage for low-income individuals. TennCare is Tennessee’s specific Medicaid program with state-specific features, providing coverage for children, pregnant women, elderly individuals, and those with disabilities.
What costs should I expect from a health insurance plan?
- Deductible: The amount you pay before insurance coverage begins.
- Copay: A fixed fee for doctor visits or prescriptions.
- Out-of-Pocket Maximum: The annual cap on your spending, after which insurance covers all costs.
- Coinsurance: A percentage of costs you share with your insurer after meeting the deductible. Understanding these costs helps you budget for routine and unexpected healthcare needs.

Find the Right Tennessee Health Insurance Plans Today

We offer a wide selection of private health insurance plans in Tennessee for individuals and families. Whether you’re trying to stay within budget or find coverage that can meet all of your needs, finding the right plan for you and your family can be a frustrating process.

If you’re tired of searching for the right policy, then there’s good news: QA3 TEST SITE does the work for you. QA3 TEST SITE is an affordable exchange where you can browse through dozens of qualified and non-qualified plans—all at the right price. Find a policy that works for you today.