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Health Insurance in Tennessee (2026)

95 counties · 6 carriers · no PPO on the marketplace

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Health Coverage Options for Tennessee Residents

Daniel Griffin is licensed in Tennessee (NPN #22052447) and can quote both the ACA marketplace and the private, medically underwritten market here. Tennessee runs on healthcare.gov rather than a state exchange, and it has not expanded Medicaid — so there is no coverage floor beneath the marketplace for lower-income households.

Check Your Eligibility in Tennessee

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What Coverage Actually Costs in Tennessee

Tennessee has 95 rating counties and 6 carriers on the 2026 marketplace: Ambetter of Tennessee, BlueCross BlueShield of Tennessee, UnitedHealthcare, Oscar Insurance Company and 2 others. Rates are set by rating area, so your county matters as much as your age.

  • Lowest-cost Silver at age 40: median $701 a month ($8,409 a year)
  • Cheapest county: Fayette at $646 · most expensive: Wayne at $779
  • Household of two 40-year-olds plus two children: median $2,240 a month — $26,885 a year, before any credit

CMS Plan Year 2026 QHP Landscape file. Full-price filed rates before any premium tax credit — not a quote. Verify at enrollment.

Tennessee Has No PPO on the Marketplace

Not one of Tennessee’s 95 counties has a PPO on the exchange. Every marketplace plan here is an HMO, EPO or POS — closed networks, referrals, and essentially nothing paid outside the service area except genuine emergencies. Tennessee is one of only eleven states where that is true; the full list is in our PPO availability dataset.

If you travel for work, refer out, or have a specialist across a state line, that is the single most important fact on this page — and the clearest reason to price the medically underwritten market alongside the exchange.

Cigna Is Leaving Tennessee in 2027

Cigna is one of the six carriers writing individual coverage in Tennessee today, and it is exiting the ACA market entirely on January 1, 2027. If Cigna is your carrier you are changing plans regardless of price. A forced move is the cheapest moment to reconsider the whole approach.

Above the Subsidy Cliff in Tennessee

Premium tax credits stop at 400% of the federal poverty level — $62,600 for one person and $128,600 for a household of four in 2026. Above that line the credit does not taper, it stops. For a Tennessee family of four that means absorbing the full $26,885 a year. Self-employed owners land here most often; see health insurance for the self-employed and our occupation vs subsidy cliff dataset.

More Tennessee Resources

Tennessee Cities

City pages carry the hospitals Medicare lists in each city alongside the plans filed for its county.

All Tennessee Counties

Tennessee has 95 counties and premiums are filed by rating area, so the benchmark price is not the same statewide. Each page carries that county’s own filed figures.

Full Tennessee directory — every Tennessee page on this site.

How Tennessee compares to other states

This page is about Tennessee. To see how Tennessee stacks up against other states — premiums, carrier counts, plan types and how many counties have only one insurer — I publish a cross-state comparison on a companion site: compare Tennessee with any other state, or see the full state cost ranking.