Health insurance quotes for Tennessee

Tennessee had one of the worst 2026s in the country

Rates in Tennessee rose 37.5% before subsidies for 2026 — well above the national average of about 20%, and among the steepest increases of any state.

That happened for the same reason it happened everywhere, only harder: the enhanced federal premium tax credits expired on January 1, 2026, and carriers were already filing large increases for underlying medical costs. Tennessee got both at full strength.

Tennessee also enrolls through healthcare.gov rather than running its own marketplace. Across the country, states on the federal platform saw benchmark premiums rise roughly 30% against about 17% in states operating their own exchanges. Tennessee landed well above even that federal average.

Tennessee did not expand Medicaid

Adults below 100% of the federal poverty level generally can't receive Marketplace subsidies and don't qualify for TennCare either. That's the coverage gap, and it's the first thing worth checking if your income is low — because the answer determines everything that follows.

Above that line, subsidies scale with income up to the cliff, and Tennessee's steep rate increase makes the value of a subsidy larger here than in most states.

Where the subsidy line falls

Premium tax credits end completely above $63,840 for one person and $132,000 for a household of four in 2027. Not reduced — eliminated. A Tennessee household at $63,841 pays the same unsubsidized premium as one at $300,000, on rates that just rose 37.5%.

That combination is why so many self-employed Tennesseans went shopping this year for the first time in a decade. If you're near that line, knowing exactly where you stand is worth more than any plan comparison.

How this works

1. A 20-minute call. Household, income, the doctors you want to keep, the prescriptions you take. Nothing is sold on this call.
2. I price the whole market. Marketplace plans with any subsidy you qualify for, and everything available outside it, side by side.
3. I check networks and formularies before recommending anything. This is where cheap plans turn expensive.
4. You decide. I tell you what I'd choose and why — including when the answer is to stay exactly where you are.
5. I stay on the file. Claims, billing, renewals. You call me directly for as long as you hold the policy.

What it costs you

Nothing. Brokers are paid a commission by the carrier, and it's built into the premium whether you use one or not — enroll direct and the carrier simply keeps it. The plan price is identical either way. There's a fuller explanation, along with my NPN, on the licensing page.

Questions Tennessee clients ask

How much did Tennessee health insurance go up in 2026?

Tennessee rates rose 37.5% before subsidies for 2026, among the largest increases in the country and well above the national average of about 20%. The expiration of enhanced federal premium tax credits on January 1, 2026 meant many enrollees saw a much larger increase in what they actually pay.

Does Tennessee have a Medicaid coverage gap?

Yes. Tennessee has not expanded Medicaid, so adults under 100% of the federal poverty level generally cannot receive Marketplace premium tax credits and do not qualify for TennCare. This leaves a coverage gap that affects hundreds of thousands of residents.

Where do Tennessee residents enroll in health insurance?

Tennessee uses the federal marketplace at healthcare.gov rather than operating its own state exchange. Federal enrollment dates and deadlines apply.

Verify me before you call

My National Producer Number is 21388659. You can confirm it through the Tennessee Department of Commerce & Insurance or the National Insurance Producer Registry. I'd encourage it — you should never take a broker's word for their own credentials.

Licensed in Tennessee and 28 other states. See the full list, or start with the situation that matches yours.