Find Affordable Coverage in Tennessee
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Tennessee ACA Marketplace Overview
In 2026, approximately 290,000 Tennessee residents are enrolled in ACA Marketplace coverage. Tennessee uses the federal exchange, Healthcare.gov for health insurance enrollment.
Tennessee has not expanded Medicaid under the ACA. Adults in the coverage gap (earning too much for Medicaid but too little for Marketplace subsidies) may have limited options.
How Much Does ACA Coverage Cost in Tennessee?
The benchmark Silver plan (second-lowest-cost Silver plan) in Tennessee costs approximately $398/month before subsidies in 2026. However, most Tennessee residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Tennessee households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Tennessee household income.
Top ACA Health Insurance Companies in Tennessee
The following carriers offer ACA Marketplace plans in Tennessee for 2026:
- BlueCross BlueShield TN
- Oscar Health
- Ambetter
Plan availability varies by county in Tennessee. Use Healthcare.gov to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Tennessee
- Bronze: Lowest premiums, highest deductibles. Best for healthy Tennessee residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Tennessee households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Tennessee residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Tennessee counties.
When to Enroll in Tennessee
- Open Enrollment: November 1 – January 15 on Healthcare.gov
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Tennessee Insurance Resources
- Healthcare.gov — Official Tennessee enrollment portal
- Tennessee Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit