ACA health insurance in Tennessee
ACA health insurance in Memphis, TN: open enrollment for 2027
Open enrollment for 2027 begins November 1. Where Memphis residents shop for a plan, what the county and state lines mean for you, and how to get help choosing.
Get help choosing a plan in Memphis
Call 855-367-1095. A licensed agent will go through your household, your income and your doctors with you.
Health insurance in Memphis
Tennessee uses the federal HealthCare.gov marketplace, so Memphis residents shop there.
If you live in Mississippi or Arkansas and work in Memphis, the state where you live decides which plans you can buy.
Memphis is in Shelby County, Tennessee. Where you live decides which plans and prices you can get, because plan availability is set by county and ZIP code.
Tennessee has not adopted the standard Medicaid expansion, and some adults with low incomes can fall into a coverage gap.
County and state lines near Memphis
Shelby County is next to Fayette and Tipton counties in Tennessee, and just across the state line are DeSoto County, Mississippi and Crittenden County, Arkansas. Those are different states, so plan availability and rules can change at the line.
Check the networks
Marketplace plans have their own networks, and they differ from one plan to the next. These are among the largest systems serving the area. Naming them here is not a statement that any plan includes them.
- Methodist Le Bonheur Healthcare
- Baptist Memorial Health Care
- Regional One Health
- St. Jude Children's Research Hospital
The dates
Open enrollment for 2027 coverage begins November 1, 2026. Plans and prices for 2027 can differ from this year, and after open enrollment you can usually enroll only with a qualifying life event.
ACA questions in Memphis
Where do I shop for an ACA plan in Memphis?
Tennessee uses the federal HealthCare.gov marketplace, so Memphis residents shop there.
Do county or state lines near Memphis change my options?
Shelby County is next to Fayette and Tipton counties in Tennessee, and just across the state line are DeSoto County, Mississippi and Crittenden County, Arkansas. Those are different states, so plan availability and rules can change at the line.
I live in DeSoto County, Mississippi and work in Memphis. Where do I shop?
The state where you live decides your marketplace and your plans. You shop for Mississippi plans, even though you work in Tennessee.
More for Memphis
Ready to look at your options?
Call 855-367-1095 before open enrollment gets busy. There is no charge to review your options.
- 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.