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Marketplace America.org Health Insurance

Affordable Health Insurance
Tennessee

Looking to enroll in a health insurance plan or simply get insights on Tennessee’s health insurance landscape?

Breathe easy, because you’ve stumbled upon the perfect spot. Here, we’ve laid out a space for you to explore Marketplace insurance plans, grab a free quote, and start your enrollment process.

Additionally, we’ve illuminated key details: from vital enrollment dates and deadlines, to the best insurance carriers in TN, insights on what you can expect to pay, and more.

To shop and compare the most affordable health insurance options and review plan details in Tennessee, click the button below:

Smiling family because of affordable health insurance

1 out of 2 people looking for healthcare coverage pay under $30/month!

Tennessee Health Insurance Coverage Options

The importance of reliable health insurance coverage in Tennessee cannot be understated. With options that range from short-term health insurance to comprehensive major medical coverage, it’s essential for you to understand and choose the right plan for your needs.

Benefits of a Marketplace Plan (Obamacare)

Marketplace insurance plans, align with the requirements of the Affordable Care Act (ACA), ensuring you receive minimum essential coverage.

With options like ACA-compliant plans and other plans, the Marketplace offers health coverage options tailored for Tennessee residents.

TN Open Enrollment and Financial Savings

The annual open enrollment period is a specific time when you can sign up for healthcare coverage. The dates change each year, but have always started on November 1st.

Man checking the open enrollment dates

Enrollment Periods for 2024 Coverage

Open Enrollment Period: November 1st – January 15th

Special Enrollment Period: January 16th – October 31st

If you miss Open Enrollment, you might have to wait til next year unless you qualify due to certain Qualifying Life Events (QLE).

Let’s look at a few QLE examples:

  • Getting married, having a baby, or adopting a child
  • Losing your healthcare coverage from:
  • your employer, a divorce, or legal separation
  • Moving to a new county or ZIP code
  • Plus more! See the complete list.

On average, people are paying
$110/month in Tennessee. [1]

Financial Assistance (Affordable Care Act)

  • Premium Tax Credits or Premium Subsidies: Financial payments to you in the form of a tax credit are available for those who qualify based on household income and family size, making it easier to find affordable health insurance. In effect, premium subsidies decrease the monthly amount you pay for your health care coverage.
  • Cost-Sharing Reductions: Offers savings on out-of-pocket costs, like doctor visits or prescriptions on Silver plans found in the Marketplace.

Shop the Marketplace and discover how you can benefit from financial assistance options! Everyone deserves to be able to find affordable health insurance.

To shop, compare plans and see how much financial savings you qualify for in Tennessee

Essential Health Benefits & Affordable Care Act

Every insurance plan under the Affordable Care Act offers essential health benefits such as hospital visits, prescription drugs, preventive care, x-rays, and doctor office visits.

  • Affordable Care Act plans ensure that no one is denied insurance based on preexisting conditions.

Exploring Health Coverage Options in Tennessee

  • Health Plans with Essential Health Benefits: All-inclusive plans covering doctor visits, prescription drugs, hospital visits, and other critical services. Plus, regardless of your preexisting conditions, you can secure coverage through the Marketplace.
  • Short-Term Plans: These short-term health insurance plans generally have limited benefits and limited coverage since they typically do not cover preexisting conditions. As the name implies, short-term health insurance offers coverage for shorter periods, typically less than 12 months, and often has lower premiums.
  • Major Medical Plans: Comprehensive plans covering a range of health services. It’s your traditional health coverage offering maximum protection. Typically, offered through your employer.

Additional Coverage Options

  • Dental insurance: Helps offset the costs of oral care procedures and check-ups.
  • Vision Insurance: Crucial for those requiring regular eye check-ups or have vision issues.
  • Accident Insurance: Provides cash benefits in the case of an accident, helping cover unforeseen costs.
  • Critical Illness: Offers financial benefits if you’re doctor diagnoses you with a specified illness.

Choosing the Right Health Insurance Company

  • Blue Cross Blue Shield Healthcare Plan of Tennessee, United Healthcare, formerly known as Golden Rule Insurance Company, and other insurance companies provide a variety of ACA-Compliant plan(s). Be sure to shop plans efficiently and effectively by consulting an insurance agency for guidance.
  • Always look into the fine print like deductibles, coverage limitations, waiting periods, exclusions, and the complete details that can be found in the summary of benefits.

Find the Best Plans From the Tennessee Health Insurance Marketplace

Are you searching for the best plans from the Tennessee insurance marketplace?

You’re in the right place!

Do you need individual, family, or other qualified health coverage? Check out the affordable Tennessee healthcare options available to you.

Many Tennessee residents qualify for premium subsidies and cost-sharing reductions under the Affordable Care Act (ACA). So, not only can you find a list of all health insurance companies below, but you might also save some cash.

Let’s explore and find the perfect plan for you!

Affordable Health Plans from:

Ambetter of Tennessee

BlueCross BlueShield of Tennessee

Cigna Health and Life Insurance Company

Oscar Insurance Company

UnitedHealthcare

US Health and Life

Affordable Dental Plans from:

BEST Life and Health Insurance Company

Cigna Health and Life Insurance Company

Delta Dental of Tennessee

Dental Care Plus, Inc.

DentaQuest USA Insurance Company, Inc.

Educators Health Plans Life, Accident, and Health, Inc

Guardian Life Insurance Company of America

Humana Insurance Company

Truassure Insurance Company

Join The Zero-Premium Club

63% of Tennessee Healthcare.gov enrollees
had access to $0 premium health plans. [2]

Zero premiums mean zero stress.
Find out if you can get zero/low-cost health insurance.

The Role of an Insurance Agent

A licensed insurance agent isn’t just about selling. They guide, educate, and ensure that every individual finds the health plan aligning with their needs, be it from the major medical coverage options or specific plans like dental or vision insurance.

Your Health Care Plans, Our Priority

Health is priceless. Whether you’re exploring health insurance, seeking options, or just need information about enrolling, our commitment is to provide clarity, options, and unwavering support.

For more insights, tips, and details on health plans, deductibles, benefits, and more, continue exploring our website or reach out to our expert team.

FAQ: Tennessee Health Insurance Plans

How Much is Health Insurance in Tennessee Per Month?

The average monthly cost of health insurance in Tennessee per month in 2023 is $455 for a standard plan, according to MoneyGeek. However, the actual cost of health insurance will vary depending on a number of factors, including your age, health, location, and the type of plan you choose.

Here is a breakdown of the average monthly cost of health insurance in Tennessee for different age groups:

AgeMonthly cost
30$273.90
40$308.41
50$431.00
60$654.94

What Health Insurance Companies Are in Tennessee?

Tennessee hosts several insurance providers. Notable companies include Blue Cross Blue Shield of TN, Aetna, Cigna, Humana, and United Healthcare, formerly known as Golden Rule Insurance Company. It’s always a good idea to shop around and compare policies before making a decision. For a complete list and plan comparisons, check out marketplaceamerica.org.

Does Tennessee Offer State Health Insurance?

Yes, Tennessee offers state-sponsored insurance plans through programs such as Medicaid and the Tennessee Children’s Health Insurance Program (CHIP). Eligibility for these programs is determined by income, family size, and other criteria. You can also explore additional options on marketplaceamerica.org.

Is Blue Cross Blue Shield of Tennessee Good Insurance?

Blue Cross Blue Shield of Tennessee is one of the leading insurance providers in the state and is highly regarded for its comprehensive coverage options and network of healthcare providers. As with any insurer, customer satisfaction can vary, so it’s essential to read reviews and compare plans.

What is the Best Healthcare in Tennessee?

The best healthcare in Tennessee is widely considered to be at Vanderbilt University Medical Center in Nashville. Vanderbilt is a nationally ranked hospital that offers a wide range of medical services, including primary care, specialty care, and emergency care. Vanderbilt is also known for its innovative research and its commitment to providing high-quality care to all patients.

Other top-ranked hospitals in Tennessee include:

  • Methodist Hospitals of Memphis
  • CHI Memorial Hospital in Chattanooga
  • Baptist Memorial Hospital-Memphis
  • Ascension Saint Thomas Hospital in Nashville
  • The University of Tennessee Medical Center in Knoxville

What is Considered Low Income in Tennessee?

The official poverty line in Tennessee in 2023 is as follows:

Household size Poverty line
1 person $13,590
2 people $17,420
3 people $21,320
4 people $25,220
5 people $29,120
6 people $33,020
7 people $36,920
8 people $40,820

For example, the Tennessee Housing Development Agency (THDA) uses a different definition of low income to determine eligibility for its affordable housing programs. THDA defines low income as households earning at or below 80% of the area median income (AMI). The AMI is a measure of the median income of all households in a metropolitan area or county.

In 2023, the AMI for Tennessee ranges from $40,500 for a one-person household in rural areas to $96,300 for a four-person household in the Nashville metropolitan area. This means that a one-person household in rural Tennessee earning less than $32,400 would be considered low-income for the purposes of THDA programs.

Is There Free Health Care in Tennessee?

While Tennessee doesn’t offer entirely free healthcare, there are state-sponsored programs like Medicaid and CHIP that provide healthcare at reduced or no cost for eligible individuals and families based on income and other criteria.

What is the Maximum Income to Qualify for Medicaid in TN?

The maximum income to qualify for Medicaid in Tennessee in 2023 is 138% of the federal poverty level (FPL). This means that a single person earning less than $19,392 per year or a family of four earning less than $39,900 per year may be eligible for Medicaid.

To apply for Medicaid in Tennessee, you can visit the TennCare website or contact your local TennCare office.

Here is a table of the maximum income limits for Medicaid in Tennessee in 2023:

Household size

Maximum income level

1

$19,392

2

$26,228

3

$33,064

4

$39,900

5

$46,736

6

$53,572

7

$60,408

8

$67,244

What is the Cheapest Health Insurance in Tennessee?

The cheapest health insurance plans will depend on individual factors such as age and plan type. It’s advisable to shop around, compare quotes, and consider both monthly premiums and out-of-pocket expenses when determining cost.

How to Get Free Health Insurance in Tennessee?

Eligible residents can apply for free or reduced-cost medical insurance through state programs like Medicaid or CHIP. To determine eligibility, one can consult with the Tennessee Department of Health and Human Services. Additionally, depending upon your household income you may be able to secure Marketplace coverage at no cost utilizing premium subsidies and/or tax credit. Check marketplaceamerica.org to see how much savings you are entitled to.

Self-employed Health Insurance in Tennessee?

Self-employed individuals can purchase major medical insurance through the Marketplace. There might be specific plans tailored to the self-employed, offering flexibility and coverage suitable for entrepreneurs. You can explore individual plans suited for you on marketplaceamerica.org.

What Does Health Insurance in Tennessee Cost?

The cost of health insurance varies. Factors influencing price include the type of plan, age, and health status of the insured. It’s best to get quotes from various providers to get an accurate estimate tailored to individual needs. For a comprehensive overview of plan costs and potential savings, visit marketplaceamerica.org.

What is the Best Health Insurance in Tennessee?

The “best” health insurance is subjective and depends on individual needs. Blue Cross Blue Shield of Tennessee, Aetna, and Cigna are some of the top providers in the state. Comparing coverage, cost, and customer reviews can help in making an informed choice. Marketplaceamerica.org allows you to compare various plans and choose the most suitable one.

Medicare Choices in Tennessee

Medicare, health coverage for those 65 and older, offers two main choices in Tennessee. Beneficiaries can either opt for Original Medicare, which encompasses Part A (covering hospital services) and Part B (for medical services), or they can select Medicare Advantage plans, known as Part C. These plans are provided by private insurers and often feature added perks like prescription drug coverage, and dental, and vision benefits.

What is the Health Insurance Marketplace?

The health insurance marketplace, also known as the exchange, is an online platform where individuals, families, and small businesses can compare and purchase health insurance plans. It provides a centralized location to find information about different insurance options, check eligibility for cost assistance, and enroll in a plan that suits your needs. The marketplace is accessible through Healthcare.gov in most states, while some states operate their own exchanges.

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