Compare affordable ACA and private health insurance plans in Tennessee for 2026. Top carriers, metro pricing, and a Tennessee-licensed agent — free.
We are not a Tennessee state agency, not HealthCare.gov, and not affiliated with any government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
Tennessee uses the federal marketplace at HealthCare.gov and has not expanded Medicaid — its program, TennCare, covers only limited groups. That combination matters: about 555,000 Tennesseans selected 2026 coverage and roughly 77% received a premium tax credit, but adults who earn too little for a subsidy and don't qualify for TennCare can fall into a coverage gap, so eligibility here is worth checking carefully.
The 2026 market has six carriers whose availability varies by county — BlueCross BlueShield of Tennessee, Cigna, Oscar, Ambetter, UnitedHealthcare, and Alliant. The state's four big metros each have their own hospital anatomy: Nashville is Vanderbilt and HCA/TriStar, Memphis is Baptist and Methodist Le Bonheur, Knoxville is UT Medical Center and Covenant, and Chattanooga is Erlanger and CHI Memorial.
We're licensed in Tennessee and quote its carriers directly. Below is how coverage works here — including how the coverage gap can affect lower earners — plus the metros and situations we help with most.
Tennessee uses the federal marketplace, HealthCare.gov — the state does not run its own exchange.
Tennessee has not expanded Medicaid; its program, TennCare, covers limited groups. Adults who fall below the marketplace subsidy floor and don't qualify for TennCare can land in a coverage gap, so it's worth checking your exact eligibility rather than assuming.
These companies offer individual and family health plans in Tennessee. We're an independent agency, not an insurance company, and we don't offer every plan available here. Tell us which doctors and hospitals matter to you and we'll show you what we can quote.
Bronze, Silver, Gold and Platinum plans that cover all ten essential health benefits — with premium tax credits for about 4 in 5 enrollees.
Explore →Bridge coverage that can start as soon as tomorrow — for the gap between jobs, plans, or enrollment periods.
Explore →Just got a COBRA letter? Losing job-based coverage opens a 60-day Special Enrollment Period — and because COBRA carries no employer contribution and no premium tax credit, the alternative is often much cheaper.
Explore →Freelancers, contractors, gig workers and small-business owners — coverage that isn't tied to an employer, and may be tax-deductible.
Explore →Plans that scale with your household — pediatric dental and vision included, with networks that keep your kids' doctors in-network.
Explore →Retired before 65? Bridge the gap to 65 without paying retiree-plan or COBRA prices.
Explore →Don't see yours? Call a licensed agent — most answers take under two minutes.
For most people above the subsidy floor it's a subsidized marketplace plan — about 77% of Tennessee enrollees get a premium tax credit. If your income is very low and you don't qualify for TennCare, the answer is different, so we look at your specific situation.
No. Tennessee uses the federal marketplace at HealthCare.gov. A licensed Tennessee agent can enroll you in those same plans at no extra cost and also show you private off-marketplace options HealthCare.gov doesn't list.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.