Tennessee · 2027 Open Enrollment
Tennessee ACA health insurance for 2027
Open Enrollment for 2027 Tennessee Marketplace plans runs November 1, 2026 – January 15, 2027. Enroll by December 15 for coverage starting January 1. Larry Hamilton is a licensed agent in Tennessee and can help you compare every plan available at your ZIP code, online or by phone, at no extra cost.
What's new in Tennessee for 2027
Cigna is leaving Tennessee's Marketplace at the end of 2026, so Cigna members must choose a new 2027 plan. The average proposed increase is about 12.7%.
Across the country, the median proposed 2027 premium increase is about 15% (Peterson-KFF Health System Tracker). The extra federal subsidies that capped premiums at 8.5% of income expired at the end of 2025, and the 400% of poverty "subsidy cliff" is back for 2027 (Congressional Research Service). That makes reviewing your plan and your income estimate more important than usual. See our 2027 subsidy income limits guide.
How to enroll in Tennessee
Tennessee residents enroll through HealthCare.gov, the federal Marketplace. You can apply directly or use an approved enhanced direct enrollment site like HealthSherpa. You get the same plans, prices and tax credits either way. Using Larry's secure HealthSherpa link, you:
- Enter your Tennessee ZIP code, household size and estimated 2027 income.
- Compare Bronze, Silver, Gold and Platinum plans side by side, including premiums after tax credits, deductibles, doctors and prescriptions.
- Pick a plan, submit your application and pay your first premium to activate coverage.
Prefer to talk it through? Call 803-851-3589. Because of new 2027 federal rules, you'll confirm by electronic authorization that you want an agent to help with your application (CMS, Sept. 2026).
2027 Tennessee Marketplace insurers
- BlueCross BlueShield of Tennessee
- Ambetter (Celtic)
- Oscar
- UnitedHealthcare
- Alliant Health Plans
Not every insurer sells plans in every county. Source: healthinsurance.org Tennessee Marketplace guide and state rate filings, September 2026.
Medicaid and the coverage gap in Tennessee
Tennessee has not expanded Medicaid. About 89,000 residents are in the coverage gap, though since 2024 parents of minor children can qualify for TennCare with income up to the poverty level. If your household may qualify for TennCare and CoverKids, you can apply any time of year. The Marketplace application will tell you if you're likely eligible.
Where we help in Tennessee
We enroll individuals, families, self-employed workers and early retirees across Tennessee, including Nashville, Memphis, Knoxville, Chattanooga, Clarksville and Murfreesboro, plus rural counties. Everything is handled by phone and online, so there's no office visit.
Frequently asked questions
When is Open Enrollment for 2027 health insurance in Tennessee?
Open Enrollment for 2027 coverage in Tennessee runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027.
How much are ACA premiums going up in Tennessee for 2027?
Insurers' proposed 2027 rates in Tennessee average about 12.7% before subsidies, according to rate filings tracked by healthinsurance.org. What you actually pay depends on your plan, age, ZIP code and tax credit.
Which insurers sell Marketplace plans in Tennessee for 2027?
Insurers offering Tennessee Marketplace coverage for 2027 include BlueCross BlueShield of Tennessee, Ambetter (Celtic), Oscar, UnitedHealthcare, Alliant Health Plans. Availability varies by county.
Did Tennessee expand Medicaid?
Tennessee has not expanded Medicaid. About 89,000 residents are in the coverage gap, though since 2024 parents of minor children can qualify for TennCare with income up to the poverty level.
Can a licensed agent help me enroll in Tennessee by phone?
Yes. Larry Hamilton (NPN #11384312) is licensed in Tennessee and helps residents compare and enroll in ACA Marketplace plans by phone or online at no extra cost.