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 top-rated local agencies 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 866-645-8540Health insurance 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