Tennessee Health Insurance (2026)
ACA marketplace health insurance rates, Medicaid eligibility, and top insurers in Tennessee. Rates shown before premium tax credits — most buyers qualify for subsidies.
Silver Premium
$570/mo
Age 40, before credits
Avg Deductible
$5,000
Silver plan
Medicaid
Not Expanded
Gap may exist
Insurers
4
On marketplace
Advertisement
Top Health Insurers in Tennessee
1
Compare PlansBlue Cross Blue Shield
Nationwide network
Avg Monthly
$480
Network
Very Large
Rating
4.5/5
2
Compare PlansUnitedHealthcare
Employer plans
Avg Monthly
$510
Network
Large
Rating
4.3/5
3
Compare PlansAetna
CVS integration
Avg Monthly
$495
Network
Large
Rating
4.2/5
4
Compare PlansCigna
Mental health coverage
Avg Monthly
$490
Network
Large
Rating
4.2/5
5
Compare PlansKaiser Permanente
Integrated care
Avg Monthly
$440
Network
Regional
Rating
4.7/5
Advertisement
Enrollment Requirements & Key Dates
- •Open Enrollment: Nov 1 – Jan 15
- •No Medicaid expansion — income coverage gap persists
- •ACA subsidies available above poverty line via HealthCare.gov
Tennessee Health Insurance Facts
Tennessee has not expanded Medicaid.
BlueCross BlueShield of Tennessee is the dominant marketplace insurer.
TennCare (existing Medicaid) has very strict eligibility criteria.
Advertisement