Before subsidies, the benchmark silver plan for a 40-year-old in Shelby County cost about $654 a month for 2026, and the Tennessee average for 2027 is $796 a month. Premium tax credits bring that down for many households, depending on income and family size. 5 insurers offered marketplace plans in Shelby County for 2026. Below you'll find how coverage works in Memphis, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near Memphis
Licensed agents can compare plans available in Shelby County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Memphis, TN
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $796/mo before subsidies |
| Shelby County benchmark (2026) | $654/mo |
| Plans offered in Shelby County (2026) | 65 |
| Plan types | EPO |
| Marketplace insurers in Tennessee (2027) | 5 |
| Medicaid expansion | No |
| Short-term plans | Sold (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
Local 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.
How to get ready
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Check that the agent's license is active with the state regulator.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
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
How much is health insurance in Memphis?
Before subsidies, the benchmark silver plan for a 40-year-old in Shelby County cost about $654 a month for 2026, and the Tennessee average for 2027 is $796 a month. Premium tax credits bring that down for many households, depending on income and family size. 5 insurers offered marketplace plans in Shelby County for 2026. A licensed agent can quote your exact price.
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for TennCare. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
Where can I buy health insurance in Memphis?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
Health insurance in nearby cities
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