Before subsidies, the average benchmark silver plan for a 40-year-old in Tennessee costs $796 a month for 2027, against a national average of $704. Premium tax credits lower that for many households.
This page lists health insurance brokers across Tennessee by city. Every listing shows distance and address, and every city page explains local plan costs. For a side-by-side comparison of carriers, call 866-645-8540 to reach a licensed agent.
How health insurance works in Tennessee
People in Tennessee buy marketplace coverage through HealthCare.gov. Open enrollment runs from November 1 through January 15. TennCare is the state's Medicaid program; the state has not expanded Medicaid to most low-income adults. For 2027, marketplace plans in Tennessee come from 5 insurers: BlueCross BlueShield of Tennessee, Ambetter (Celtic), Alliant Health Plans, Oscar Health and UnitedHealthcare. Not every insurer sells in every county. Short-term health plans are sold in the state, though they are not ACA-compliant coverage.
Agent licensing in Tennessee
- 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
- 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
- Tennessee's producer licensing rules list Accident and Health as a line of insurance with its own pre-licensing education requirement. An agent needs that health line of authority to sell health insurance in the state. 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.
Licensed agents can quote plans from multiple Tennessee carriers in one call.
Call 866-645-8540Brokers by city in Tennessee
- Alcoa
- Arlington
- Athens
- Atoka
- Bartlett
- Bloomingdale
- Brentwood
- Bristol
- Brownsville
- Chattanooga
- Church Hill
- Clarksville
- Cleveland
- Clinton
- Collegedale
- Collierville
- Columbia
- Cookeville
- Covington
- Crossville
- Dandridge
- Dayton
- Dickson
- Dunlap
- Dyersburg
- Eagleton Village
- East Ridge
- Elizabethton
- Erwin
- Fairfield Glade
- Fairview
- Farragut
- Fayetteville
- Franklin
- Gallatin
- Germantown
- Goodlettsville
- Green Hill
- Greenbrier
- Greeneville
- Harriman
- Harrison
- Hartsville
- Henderson
- Hendersonville
- Humboldt
- Jackson
- Jefferson City
- Johnson City
- Jonesborough
- Kingsport
- Kingston
- Knoxville
- La Follette
- La Vergne
- Lafayette
- Lakeland
- Lawrenceburg
- Lebanon
- Lenoir City
- Lewisburg
- Lexington
- Loudon
- Lynchburg
- Madisonville
- Manchester
- Martin
- Maryville
- McKenzie
- McMinnville
- Memphis
- Middle Valley
- Milan
- Millersville
- Millington
- Morristown
- Mount Carmel
- Mount Juliet
- Munford
- Murfreesboro
- Nashville
- Newport
- Nolensville
- Oak Ridge
- Oakland
- Paris
- Pigeon Forge
- Portland
- Pulaski
- Red Bank
- Ripley
- Rockwood
- Rogersville
- Savannah
- Sevierville
- Seymour
- Shelbyville
- Signal Mountain
- Smyrna
- Soddy-Daisy
- South Cleveland
- South Pittsburg
- Sparta
- Spring Hill
- Springfield
- Sweetwater
- Tellico Village
- Thompson's Station
- Tullahoma
- Union City
- White House
- Winchester