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.
39 days left to enroll for January 1, 2027 coverage.
Enroll by Dec 15 for Jan 1 coverage, or by Jan 15 for Feb 1 coverage.
About the ACA marketplace in Tennessee
Tennessee uses the federal Healthcare.gov platform.
Estimate your ACA subsidy
Enter your household size, projected income, and the ages of everyone who needs coverage. We'll estimate the monthly premium tax credit (APTC) you may qualify for.
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.