Health Insurance in Tennessee

Health insurance in Tennessee is available through HealthCare.gov, the federal marketplace, along with health sharing, short-term plans, Medicare, and supplemental coverage. About 10.1% of Tennessee's roughly 7.2 million residents are uninsured. Tennessee has not expanded Medicaid, which can leave a coverage gap for the lowest incomes and makes Marketplace subsidies especially important. Prices and plan choice vary across the state's 95 counties, so where you live matters. Use the guides below to find the right lane for your situation.

Marketplace: HealthCare.gov·Medicaid expansion: Not adopted·Uninsured rate: ~10.1%·Counties: 95·Population: ~7.2M

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Frequently asked questions

Where do I buy health insurance in Tennessee?
Tennessee residents enroll through HealthCare.gov (HealthCare.gov). You can also buy off-Marketplace plans, health sharing, or supplemental coverage directly.
Is Medicaid available in Tennessee?
Tennessee offers Medicaid, but has not adopted ACA expansion, so eligibility for adults is more limited. Many low-income residents rely on Marketplace subsidies instead.
How much does health insurance cost in Tennessee?
It depends on your age, county, plan tier, and — most importantly — whether you qualify for a subsidy. Many Tennessee enrollees pay well under $100/month after ACA premium tax credits. Use our calculators to estimate your cost.

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