ACA marketplace
ACA marketplace coverage in Tennessee.
Tennessee uses the federal Healthcare.gov platform. Tennessee has not expanded Medicaid (TennCare) as of plan year 2026, which creates a coverage gap for some lower-income residents. Plan availability is strongest in the Nashville, Memphis, Knoxville, and Chattanooga metros.
About the ACA marketplace in Tennessee
Tennessee uses the federal Healthcare.gov platform.
Carriers we represent in Tennessee
- Ambetter
- Oscar Health
- UnitedHealthcare
Carrier availability and plan options vary by county.
Our agents who serve Tennessee
When you can enroll
- Open Enrollment Period: November 1 through January 15
- Special Enrollment Periods: triggered by qualifying life events (loss of coverage, marriage, birth, move, income change)
Request an ACA quote in Tennessee.