Find the Right Health Insurance Plan in Tennessee

Health insurance is a necessity—not a luxury. Without the right coverage, even a minor medical issue can lead to overwhelming expenses. Whether you’re looking for an Affordable Care Act (ACA) plan, private insurance, or government-assisted programs like Medicare or TennCare (Medicaid), understanding your options ensures you get the best coverage at the lowest price. 

At First Family Insurance, we help Tennessee residents find cost-effective health insurance tailored to their needs. Whether you’re self-employed, between jobs, or seeking family coverage, our team guides you through plan selection, subsidies, and enrollment. 

Best Health Insurance Options in Tennessee 

1. ACA Marketplace Health Plans 

The Tennessee Health Insurance Marketplace offers government-regulated health plans with essential benefits. Plans include: 

• Pre-existing condition coverage (no exclusions) 
• 10 essential health benefits, including doctor visits, hospital stays, and prescriptions 
• Income-based tax credits that lower monthly premiums 
• Guaranteed enrollment during Open Enrollment or Special Enrollment periods 

Fact: Nearly 85% of Tennesseans enrolled in ACA plans qualify for financial assistance.  

2. Private Health Insurance Plans 

Private insurance is ideal for those who don’t qualify for ACA subsidies or need more flexibility in provider choices. Benefits include: 

• Expanded doctor and hospital networks 
• Plan customization beyond ACA requirements 
• Year-round availability (not restricted to Open Enrollment) 

Tip: Private plans often work well for self-employed professionals and families wanting greater provider flexibility. 

3. Short-Term Health Insurance 

If you’re between jobs, waiting for employer benefits, or missed Open Enrollment, short-term plans provide temporary coverage. Features include: 

• Lower premiums (but higher deductibles) 
• Emergency and basic doctor visits 
• No coverage for pre-existing conditions 

Important: Short-term plans do not meet ACA requirements and may have limitations on services covered. 

4. Medicare & TennCare (Medicaid) in Tennessee 

Tennessee offers two major government-assisted healthcare programs: 

• Medicare: For seniors (65+) and disabled individuals 
• TennCare (Medicaid): For low-income adults and children 
• CoverKids: Tennessee’s Children’s Health Insurance Program (CHIP) for uninsured children 

Did You Know? TennCare covers over 1.5 million Tennesseans, including nearly 50% of all children in the state. 

How Much Does Health Insurance Cost in Tennessee? 

Health insurance prices vary by age, income, plan type, and household size. Here’s a breakdown: 

Plan Type	Monthly Cost Before Subsidies	Potential Savings
Individual ACA Plan	$350 – $600	Tax credits may cover 60%+
Family ACA Plan	$900 – $1,500	Based on household income
Short-Term Insurance	$100 – $300	Limited benefits
Private Insurance	$400 – $700	No government subsidies
Medicare / TennCare	Varies	Income-based eligibility

Tennessee Health Insurance Enrollment Periods 

Knowing when to enroll is crucial to securing coverage without delays. 

1. Open Enrollment Period (ACA Plans) 

November 1 – January 15 (each year) 
Enroll during this window to get Marketplace coverage for the next year. 

2. Special Enrollment Period 

If you experience a qualifying life event, you may enroll outside Open Enrollment: 

• Losing employer-based health coverage 
• Marriage, divorce, or legal separation 
• Birth or adoption of a child 
• Moving to Tennessee 

3. Year-Round Enrollment for Medicaid & CHIP 

• TennCare & CoverKids accept applications anytime 
• Eligibility based on income & household size 

Why First Family Insurance? 

Choosing health insurance can be overwhelming, but First Family Insurance makes it easy by: 

• Comparing plans from Tennessee’s top insurance providers 
• Helping you maximize subsidies & lower premiums 
• Providing licensed Tennessee agents for expert guidance 
• Offering year-round enrollment support 

Frequently Asked Questions  

Who qualifies for free or low-cost health insurance in Tennessee? 

Many residents qualify for Medicaid, CHIP, or ACA tax credits based on income. Use our tool to check eligibility. 

Can I get health insurance if I missed Open Enrollment? 

Yes, but you must qualify for Special Enrollment or purchase private or short-term health coverage. 

How much can I save with a premium tax credit? 

Savings depend on household income and size. Most Tennesseans receive tax credits covering 50% or more of their premium. 

Is there a penalty for not having health insurance in Tennessee? 

No, but going without coverage could leave you with high medical bills if you need care. 

Get Affordable Tennessee Health Insurance Today 

Finding affordable, high-quality health insurance in Tennessee doesn’t have to be complicated. First Family Insurance helps you compare plans, qualify for subsidies, and enroll with ease. 

• Compare Plans from Leading Providers 
• Maximize Savings with Tax Credits & Subsidies 
• Get Expert Assistance Every Step of the Way 

Your health matters—secure your plan today!