What does coverage cost in Memphis? A 40-year-old in Shelby County paid about $654 a month for the benchmark silver plan in 2026, before any subsidy; statewide, the 2027 average is $796. Most marketplace shoppers pay less after the premium tax credit, and a broker can show you your exact number.
Need a health insurance agent near Memphis? These 15 local offices sell individual and family health plans in Tennessee. Many also handle dental, vision and supplemental coverage.
Health Insurance Agents near Memphis
Licensed agents can compare plans available in Shelby County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Local health care in Memphis
- The Shelby County Health Department serves Memphis and the rest of Shelby County, with a mission to promote, protect and improve the health and environment of all county residents through services such as immunizations, WIC, disease surveillance and environmental health. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
Questions to ask before you choose
Which carriers can you quote in Shelby County? Are you certified to enroll people through the HealthCare.gov? Will you help me at renewal next year?
What a local agent does
Agents licensed in Tennessee can explain plan types (HMO, PPO, EPO), estimate your premium tax credit, enroll you, and help when something goes wrong with a claim or a bill.
Agents are free to use
Insurers pay agent commissions. Using a licensed agent doesn't add to your premium.
Checking an agent's license in Tennessee
- The Tennessee Department of Commerce & Insurance directs consumers to the NAIC consumer lookup to confirm an agent's license. It also suggests checking the department's disciplinary actions list. Source
- The Tennessee Department of Commerce & Insurance (TDCI) licenses insurance agents and regulates health insurers in the state. Its Consumer Insurance Services section helps consumers with insurance complaints. Source
Free enrollment help in Tennessee
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Can an agent help if I'm self-employed?
Yes. Agents work with 1099 and self-employed clients every day, including estimating income that changes from year to year.
Are local health insurance agents free?
Yes, for individual and family plans. The agent's commission is paid by the insurer and is already built into the premium.
What's the difference between an agent and a navigator?
Navigators are trained helpers funded to give free, unbiased enrollment help, but they can't recommend a plan. Licensed agents can recommend plans and may also sell coverage outside the marketplace.
Agents in nearby cities
- Bartlett, TN 13 miles
- West Memphis, AR 13 miles
- Marion, AR 15 miles
- Collierville, TN 16 miles
- Millington, TN 17 miles
- Lakeland, TN 18 miles
- Hernando, MS 18 miles
- Arlington, TN 20 miles
- Atoka, TN 25 miles
- Munford, TN 25 miles