Tennessee health insurance for 2027: do not assume Medicaid covers you

Tennessee at a glance for 2027

CMS 2026 Open Enrollment data

Figures below are for 2026 Open Enrollment (for 2026 coverage) from the CMS State-Level Public Use File. They describe last year's Marketplace, not a promise for 2027 plans.

Tennessee had the highest average full premium of these five states, $838 a month, so the premium tax credit does most of the work. A small change in projected income can move your net premium noticeably.

Source: CMS, 2026 Marketplace Open Enrollment Period Public Use Files (State-Level PUF).

Complaints about an insurer or agent in Tennessee go to the Tennessee Department of Commerce & Insurance.

For 2026 and 2027 coverage, premium tax credits are generally available only when household income is between 100% and 400% of the federal poverty level, and there is no cap on repaying excess advance credits at tax time. HealthCare.gov determines your eligibility.

How a remote review works

1. You send the basics. County and ZIP code, who needs coverage, projected 2027 household income, your current plan, and the doctors, facilities, and prescriptions you can't give up.
2. I check the plans that fit. Using 2027 plan data for your ZIP code, I compare network status, drug-list tier and restrictions, pharmacy, deductible, and out-of-pocket maximum.
3. We go over the trade-offs. By phone or screen share. You make the decision and you authorize any HealthCare.gov application or plan change. I don't need your HealthCare.gov password, and you shouldn't give it to anyone.
4. We confirm the coverage. After you enroll, make sure the first premium is paid and the insurer shows your coverage as active before you rely on it.

This page is for Tennessee residents under 65 who are not on Medicare.

Questions Tennessee shoppers ask

Where do Tennessee residents sign up for Marketplace coverage in 2027?

Tennessee uses HealthCare.gov, the federal Marketplace. You can apply on HealthCare.gov, with help from a licensed agent who is registered for the plan year, or on a private enrollment site that is allowed to enroll HealthCare.gov plans. Premium tax credits and cost-sharing reductions apply only to plans bought through the Marketplace, so an off-exchange plan will not carry them.

What are the 2027 open enrollment dates in Tennessee?

HealthCare.gov states that Open Enrollment for 2027 coverage starts November 1, 2026. December 15, 2026 is the last day to enroll or change for coverage that starts January 1, 2027. Open Enrollment ends January 15, 2027. Enrollments from December 16 through January 15 generally start February 1. Confirm the dates on healthcare.gov before you act.

Can an agent in Lakeland, Florida help me with a Tennessee plan?

Yes, if the agent holds an active Tennessee license and a current HealthCare.gov registration for the plan year. I hold a Tennessee nonresident license #2489827. Reviews happen by phone and screen share from Lakeland, Florida. You keep your HealthCare.gov login, and you approve any application or plan change.

What does a review cost?

There is no separate agent fee for the plan-review assistance described on this site. If you enroll in a plan, the insurer may pay me a commission. I compare plans from the insurers I'm appointed with in Tennessee, which may not be every insurer on HealthCare.gov.

My income is low. Should I be looking at Medicaid or a Marketplace plan?

Tennessee has not adopted the ACA Medicaid expansion (KFF, as of August 21, 2026). Many adults without dependent children do not qualify for Tennessee Medicaid on income alone, and Marketplace premium tax credits generally start at 100% of the federal poverty level, so some adults with very low income may qualify for neither. Your application result decides which applies. For Tennessee Medicaid, start with tn.gov/tenncare. If a Marketplace plan is the result, I can help you compare plans.

My plan or insurer is changing for 2027. Will I be moved automatically?

HealthCare.gov can renew existing members into a 2027 plan and send a notice. If your insurer is not offering plans in your area for the new year, you need to choose a new plan. Either way, check the renewed plan's network, drug coverage, and deductible before January. A renewal does not confirm that your doctors or prescriptions are still covered.

I missed open enrollment. Can I still get Tennessee coverage for 2027?

After Open Enrollment closes, you generally need a qualifying life event to enroll or change plans. Examples include losing other coverage, a move, marriage, or a new child. Many of these Special Enrollment Periods run 60 days from the event, but the rules depend on the event and your documentation. Check healthcare.gov for the event that applies to you.

Primary sources

• HealthCare.gov: Dates and deadlines — accessed September 30, 2026; 2027 federal Marketplace Open Enrollment: November 1 start, December 15 deadline for a January 1 start, January 15 end, February 1 start for later enrollments.
• CMS: State-based Exchanges — accessed September 30, 2026; States not listed as State-based Exchanges use HealthCare.gov.
• KFF: Status of State Medicaid Expansion Decisions — accessed September 30, 2026; Secondary tracker of Medicaid expansion status as of August 21, 2026. Your state Medicaid agency makes the final eligibility decision.
• IRS FS-2025-10, Premium Tax Credit FAQs — December 2025; after 2025 there is no cap on repaying excess advance premium tax credits. Premium tax credits are generally available only between 100% and 400% of the federal poverty level.
• HealthCare.gov: Special Enrollment Periods — accessed September 30, 2026; Qualifying life events and Special Enrollment Period rules on the federal platform.

Related pages

Alabama · North Carolina · Texas · All states I'm licensed in · Florida: Lakeland and Polk County ACA help

State-neutral guides: deductible vs. out-of-pocket maximum · HMO vs PPO vs EPO · Bronze vs Silver vs Gold