2022 Affordable Health Insurance Plans in Tennessee

There are several types of affordable health insurance policies in Tennessee. A lot of them have flexible and advantageous features. Tennessee residents can visit the federal marketplace’s website to apply for coverage.

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How to Buy Health Insurance in 2022

Tennesseans can get health insurance in several ways. One of the most common methods is for employees to enroll in their workplace’s plan. Another option is to purchase a private insurance policy directly from the carrier. The state doesn’t have its own marketplace. Instead Tennessee residents can buy health insurance on the federal marketplace’s website, www.healthcare.gov. However, the state’s Medicaid agency, TennCare, enables Tennesseans to compare and apply for low-income health coverage.

The three health insurance categories are Bronze, Silver, and Gold. Altogether, there are more than 60 policies available in the Volunteer State. Bronze plans have the lowest monthly premiums, but the deductibles and out-of-pocket costs are highest. Conversely, policies that fall under the Gold category have the most expensive premiums but low out-of-pocket payments and deductibles. 

How to Apply for Health Insurance in Tennessee

The application process depends on the type of health insurance you are looking for. You can apply online through the federal marketplace’s website or contact them via phone. Healthcare.gov also helps consumers find local agents in their ZIP code area and obtain in-person support. For Medicaid and low-income health insurance, use the TennCare Connect online portal. If you are looking for a private or short-term plan, contact the carriers directly or visit their websites.

Health Insurance Carriers In Tennessee

Seven companies offer health insurance in Tennessee through the federal marketplace:

  • Ascension Personalized Care/US Health & Life 
  • Blue Cross Blue Shield of Tennessee
  • Cigna
  • Oscar
  • Bright
  • Celtic/Ambetter
  • UnitedHealthcare

Tennessee Health Insurance Costs Overview

Just as with any other state, the cost of insurance in Tennessee depends on the insured’s age, income, household size, and health status.

How Much Does Health Insurance Cost in Tennessee?

The average health insurance policy benchmark premium costs about $445 per month in 2022.

What is the Cheapest Health Insurance Plan in Tennessee? 

The cheapest plan in Tennessee is the one that gives you the most coverage when you need it most. Contact us today to discuss your health needs to find the plan for you! 

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Cheapest Tennessee Health Insurance Coverage by Metal Tier

Note that all costs are 2022 pricing from KFF. (source)

Gold Plans

The average lowest cost premium of a Gold Plan in Tennessee in 2022 was $488. 

Silver Plans

The average lowest cost premium of a Silver Plan in Tennessee in 2022 was $441.

Bronze Plans

For a Bronze plan, the average lowest premium in 2022 was $338

Other Types of Tennessee Health Insurance Coverage

Tennessee’s short-term and low-income health insurance plans are advantageous because they offer many flexible options.

Catastrophic Health Insurance in Tennessee

Catastrophic coverage is available for those under 30 years old and patients going through financial hardships (regardless of their age). These policies are cheaper than the typical health insurance plans, but they also have relatively high deductibles and out-of-pocket expenses.

Short Term Health Insurance in Tennessee

Tennesseans can purchase a short-term policy that lasts for up to 364 days, and they have the option to extend it for up to 3 years.

Low Income Health Insurance in Tennessee

TennCare’s website allows Tennesseans to obtain no-cost Medicaid coverage if they can’t afford a private or marketplace plan. TennCare Kids enables children to continue to access health services until they turn 20 years old.

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Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2022, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D 

Average Marketplace Premiums by Metal Tier, 2018-2022, KFF, accessed 08/16/2022, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D