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ACA Health Insurance Coverage Options in Tennessee
Tennessee uses the federal HealthCare.gov Marketplace for ACA health insurance. Review coverage options and enrollment information for Tennessee residents.
The new 2027 plans become available November 1, 2026. Call 855-367-1095 now to get a sneak peek at the new plans before then, and we will have your options ready the day they open.
Medicaid is a government program that gives free or low-cost health coverage to people with limited income, such as some adults, children, pregnant women, seniors and people with disabilities. Each state runs its own Medicaid program and decides who qualifies. We are an independent insurance agency, and we cannot enroll you in Medicaid or check your Medicaid.
Tennessee Medicaid: TennCare · 1-855-259-0701 (TennCare Connect) · tn.gov/tenncare.html
If your income is too high for Medicaid, or you want to compare health plans, call us. We can help with that.
Eligibility considerations
- No coverage available through an employer, Medicare, or Medicaid
- Interest in comparing Tennessee Marketplace plans by metal tier
- Uncertainty about premium tax credit eligibility based on household income
Plan tiers
Lower monthly premium; higher cost-sharing when care is used.
The benchmark tier for subsidy calculations; the only tier eligible for additional cost-sharing reductions.
Higher monthly premium; lower cost-sharing at the point of care.
Tennessee Medicaid and Marketplace information
- Medicaid expansion status
- Not expanded
- Tennessee Medicaid agency
- TennCare
- ACA Marketplace
- HealthCare.gov (federal Marketplace)
Tennessee counties: ACA open enrollment
Choose your county for the dates, Medicaid status and how to get help.
- Shelby County
- Davidson County
- Knox County
- Hamilton County
- Rutherford County
- Williamson County
- Montgomery County
- Sumner County
- Wilson County
- Sullivan County
- Blount County
- Washington County
- Bradley County
- Maury County
- Sevier County
- Madison County
- Putnam County
- Anderson County
- Robertson County
- Greene County
- Hamblen County
- Cumberland County
- Tipton County
- Coffee County
- Loudon County
- Hawkins County
- Jefferson County
- Carter County
- Dickson County
- Roane County
- McMinn County
- Bedford County
- Gibson County
- Monroe County
- Lawrence County
- Franklin County
- Fayette County
- Warren County
- Cheatham County
- Campbell County
- Cocke County
- Marshall County
- Dyer County
- Lincoln County
- Rhea County
- Weakley County
- Claiborne County
- Henry County
- Giles County
- Obion County
- Marion County
- Carroll County
- White County
- Henderson County
- Hardin County
- Macon County
- McNairy County
- Hickman County
- Hardeman County
- Grainger County
- Lauderdale County
- Overton County
- Scott County
- Morgan County
- DeKalb County
- Union County
- Smith County
- Fentress County
- Humphreys County
- Johnson County
- Polk County
- Unicoi County
- Chester County
- Haywood County
- Sequatchie County
- Benton County
- Wayne County
- Cannon County
- Bledsoe County
Common questions
How is ACA Marketplace coverage administered in Tennessee?
Tennessee uses HealthCare.gov (federal Marketplace) rather than a state-run exchange. Enrollment, plan comparison, and subsidy determinations run through the federal system.
Has Tennessee expanded Medicaid under the ACA?
Tennessee has not adopted ACA Medicaid expansion. Some adults with income too high for traditional Medicaid but too low to qualify for Marketplace premium tax credits may fall into a coverage gap. A licensed agent can review what applies to a specific household.
Is there a cost to speak with a licensed agent?
No. Reviewing ACA Marketplace options by phone with a licensed agent has no cost. Any plan ultimately selected carries its own separate premium, determined by the plan and carrier, not by GetFastRates.com.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.