TN Health Options2027: one insurer is leaving Tennessee's individual market
It sold individual and family plans in 65 of Tennessee's 95 counties for 2026 (rating areas 1, 2, 3, 4, 5 and 6). Coverage continues through December 31, 2026, but affected members need a new plan for January 1. Find out if you are affected.
Tennessee at a glance (2026 Open Enrollment)
Sign-ups fell 11.4% from 642,867 in 2025. Average premium before tax credits: $838 a month. Source: CMS 2026 and 2025 OEP state public use files.
Find your region
Tri-Cities & Northeast Tennessee
Johnson City, Kingsport and Bristol
Knoxville & East Tennessee
Knoxville, Sevierville, Maryville and Morristown
Chattanooga & Southeast Tennessee
Chattanooga, Cleveland and Athens
Nashville & Middle Tennessee
Nashville, Murfreesboro, Franklin, Clarksville and Gallatin
Jackson & West Tennessee
Jackson, Dyersburg, Paris and Union City
Memphis & the Mid-South
Memphis, Bartlett, Collierville and Covington
Cookeville & the Upper Cumberland
Cookeville, Crossville, McMinnville and Sparta
Columbia & South Central Tennessee
Columbia, Tullahoma, Dickson, Shelbyville and Lawrenceburg
Guides
ACA Marketplace plans & tax credits
How plans, metal levels and premium tax credits work in Tennessee
Open Enrollment 2027
Key dates and deadlines for 2027 coverage
The 2027 insurer exit
Which Tennesseans need a new plan for 2027
What health insurance costs in Tennessee
2026 prices by age and region, before and after tax credits
Health Savings Accounts (HSAs)
HSA eligibility, 2026–2027 limits and Tennessee Marketplace plans
Self-employed coverage
Freelancers, contractors and small business owners
TennCare vs. the Marketplace
The basics, and what to do if TennCare ends
Dental and vision
What medical plans include and what they leave out
Health sharing explained (not insurance)
How sharing ministries differ from insurance
For Tennessee employers (under 50)
ICHRA, QSEHRA and tax credits for small business teams
Explore health sharing (not insurance)
Considering a health sharing membership? Review how it differs from Marketplace insurance before joining.
Health sharing is not insurance. Payment of medical bills is voluntary and not guaranteed; memberships do not qualify for Marketplace premium tax credits. Read the health sharing explainer and agent-link disclosure.
Turning 65 in Tennessee? Learn your Medicare options
Medicare is a separate program from Marketplace plans. If you or a family member are turning 65, a separate licensed agent can walk you through Medicare.
Medicare help on this link comes from Renee Huckaby, a separate insurance agent licensed in Tennessee and other states (NPN 20165711), not from Chuck. For information on all Medicare options, visit Medicare.gov or call 1-800-MEDICARE. See disclosures.
Who you'll talk to
Chuck Huckaby is a licensed health insurance agent in Tennessee, NPN 1720715. He helps individuals, families and self-employed Tennesseans compare coverage by video or phone. There is no charge for the consultation, and using an agent doesn't change the price of a Marketplace plan. More about Chuck.
Sources
- CMS, 2026 Marketplace Open Enrollment Period Public Use Files (state and county level). https://www.cms.gov/data-research/statistics-trends-and-reports/marketplace-products/2026-marketplace-open-enrollment-period-public-use-files
- CMS, 2025 Marketplace Open Enrollment Period Public Use Files. https://www.cms.gov/data-research/statistics-trends-and-reports/marketplace-products/2025-marketplace-open-enrollment-period-public-use-files
- HealthCare.gov, Dates and deadlines for 2027 health insurance. https://www.healthcare.gov/quick-guide/dates-and-deadlines/
- CMS / HealthCare.gov, QHP Landscape data, individual medical, plan year 2026. https://data.healthcare.gov/datasets?keyword=landscape
Checked October 24, 2026.