Affordable Tennessee Health Insurance Plans
Find affordable Tennessee health insurance plans. Compare options easily with our user-friendly platform or explore detailed guides to make the best choice for you and your family.
Each state operates under its own Department of Insurance regulations, which influence healthcare-specific plan details such as pricing, eligibility, and available options. In Tennessee, these regulations shape the flexibility of coverage and costs, making it essential to understand your choices. Before selecting a healthcare plan for yourself or your family, take the time to explore the options available in Tennessee to ensure you find the best fit for your needs.
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Health Insurance Plans
Choosing the best health insurance in Tennessee starts with knowing what matters most to you. Whether you’re looking for individual, family, or short-term health insurance, understanding your needs can help you find a plan that offers both coverage and value. Here are key factors to guide your decision:
Coverage Needs
Think about the medical services you use most. Do you visit doctors regularly, need specialist care, or take prescription drugs? Pick a Tennessee health plan that matches your typical healthcare usage.
Budget
Review both your monthly premiums and out-of-pocket costs. A lower premium might look appealing, but a plan with a higher premium could be more affordable overall if you use health services frequently.
Provider Network
Check that your preferred doctors, clinics, and hospitals are included in the plan’s network. In-network providers help reduce your costs and avoid unexpected bills.
Extra Benefits
Some Tennessee health insurance plans include additional perks like wellness programs, virtual doctor visits (telemedicine), or mental health support—features that can boost both value and convenience.
Health Insurance Plans for Everyone
Individual Health Insurance Options in Tennessee
Individual health insurance is a type of coverage designed for those seeking insurance for themselves. You can obtain this insurance coverage directly from qualified insurers, through your employer, via the Tennessee health insurance marketplace, through private exchanges, or by applying for public insurance options like Medicare and Medicaid.
However, Tennessee has not expanded ACA’s Medicaid program. Instead, it offers TennCare, a program with specific eligibility criteria set by the state.
Under qualified plans, individuals can expect to pay these average costs for premiums (Age 40, Zip code 37010):
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Single Adult
$683
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Married Couple
$1,366
You may also consider non-qualified plans, which are generally less expensive and offer substantial coverage depending on your needs.
Affordable Family Health Insurance Plans in Tennessee
Family health coverage provides coverage for you and your dependents, such as a spouse or children. In Tennessee, you can secure this type of health insurance coverage either through qualified insurers, the health insurance marketplace, or employer-sponsored plans. Social programs like Medicare and Medicaid typically focus on individuals, making them less viable options for families.
Average Premium Costs for Families in Tennessee
Families opting for ACA-qualified plans can expect the following average monthly premiums (Age 40, Zip code 37010):
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A Married Couple with One Child
$1,684
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A Married Couple with Two Children
$2,003
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A Married Couple with Three Children
$2,321
Affordable Alternatives for Families
If cost is a concern, non-qualified health insurance plans offer a budget-friendly solution. While these plans may have fewer benefits compared to ACA-compliant options, they still provide essential coverage for unexpected medical expenses, accidents, or illnesses.
Explore low-cost family health insurance plans in Tennessee today to find coverage that fits your family’s needs and budget.
Short-Term Health Insurance Options in Tennessee
Short-term health insurance is a temporary solution designed for gaps in coverage, such as after leaving a job or while waiting for a qualified plan. These plans are available in Tennessee and offer basic protection for accidents, illnesses, or emergencies but do not cover pre-existing conditions.
Updated Rules (Effective September 1, 2024):
- Initial terms are limited to three months.
- Total coverage, including renewals, is capped at four months.
- Plans are non-renewable beyond the four-month limit, and new applications must meet medical eligibility requirements.
You can apply online and often receive approval the same day, with coverage beginning as soon as the next day.
Types of Individual Health Insurance Plans in Tennessee
| Plan Type | Monthly Premium | Deductible | Ideal For | Coverage Description |
|---|---|---|---|---|
| Bronze | $ | $$$$ | Individuals who need minimal coverage or primarily emergency services | Bronze plans offer basic coverage with the lowest monthly premiums but come with higher out-of-pocket costs. Suitable for younger, healthier individuals who expect low healthcare usage. |
| Silver | $$ | $$$ | Individuals who need a balance between premium cost and healthcare usage | Silver plans provide a balance between premium costs and out-of-pocket expenses. These plans are ideal for those who use healthcare services occasionally and want moderate coverage. |
| Gold | $$$ | $$ | Individuals who expect regular healthcare needs | Gold plans have higher monthly premiums but lower out-of-pocket costs, making them suitable for people with frequent healthcare needs. |
| Platinum | $$$$ | $ | Individuals with extensive healthcare needs | Platinum plans offer the most comprehensive coverage with the highest premiums but the lowest Cost-sharing, perfect for individuals or families requiring extensive healthcare services. |
What to Expect in Health
Insurance Costs
When enrolling in a health insurance plan in Tennessee, it’s important to understand what out-of-pocket costs may apply. While your monthly premium gives you access to medical coverage, you may still be responsible for certain healthcare costs.
Deductible
A deductible is the amount you must pay before your health insurance begins covering costs. It resets each plan year. Some services may be covered before meeting the deductible.
Copay
A copay is a fixed fee you pay for a doctor visit, prescription, or procedure. It’s typically required after meeting your health insurance deductible.
Out-of-pocket maximum
This is the most you’ll pay in a year for deductibles, copays, and coinsurance. Once you reach this amount, your plan covers 100% of covered medical costs.
Coinsurance
Coinsurance is the percentage you pay for care after meeting your deductible. Your health plan covers the rest of the approved amount.
Tennessee Medical Insurance Statistics
Consider the following statistics about healthcare coverage in Tennessee:
7.126 million
Total Tennessee Population
9.3%
Uninsured Tennessee Residents
555,103
Tennessee HMO Enrollment
$1,825
Annual Employee Premium in Tennessee
$2,590
Hospital Costs in Tennessee before Insurance
Discover Health Insurance Plans for Every Stage of Life in Tennessee
Health Insurance
Health insurance helps protect you from big medical bills and ensures you get the care you need. Each plan’s network often explains what services are covered and how costs are shared between you and the insurance company, making healthcare more affordable.
Explore Health Plans
Dental and Vision Insurance
Affordable dental and vision insurance covers routine cleanings, eye exams, fillings, and prescription lenses. It ensures regular care, lowers out-of-pocket expenses and makes access to essential health services affordable and accessible for everyone.
Browse Dental Plans
Short-Term Health Insurance
Short-term health plans offer temporary coverage for people between plans, like seasonal workers or new employees waiting for group benefits. These affordable plans are simple to enroll in and provide basic care until long-term options with additional benefits are ready.
Find Short-Term Health PlansFrequently asked questions
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How much does health insurance cost in Tennessee?
The cost depends on factors like age, location, and plan type. On average, individuals pay $683 per month, while family plans start at $1,684.
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What is TennCare, and how can I qualify for it?
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Does Tennessee require residents to have health insurance?
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What are the differences between Qualified and Non-Qualified health insurance plans?
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What is the cheapest health insurance option in Tennessee?
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When can I enroll in health insurance in Tennessee?
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Are subsidies available for health insurance in Tennessee?
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How can I apply for TennCare?
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Can self-employed individuals get health insurance in Tennessee?
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What is the difference between ACA plans and short-term health insurance?
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What happens if I miss the Open Enrollment Period?
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Why choose AHiX Marketplace for Tennessee health insurance?
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What is the difference between Medicaid and TennCare?
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What costs should I expect from a health insurance plan?
Find the Right Tennessee Health Insurance Plans Today
We offer a wide selection of private health insurance plans in Tennessee for individuals and families. Whether you’re trying to stay within budget or find coverage that can meet all of your needs, finding the right plan for you and your family can be a frustrating process.
If you’re tired of searching for the right policy, then there’s good news: AHiX Marketplace does the work for you. AHiX Marketplace is an affordable exchange where you can browse through dozens of qualified and non-qualified plans—all at the right price. Find a policy that works for you today.