Tennessee Health Insurance Calculator 2026

Tennessee uses the federal HealthCare.gov marketplace for ACA health insurance enrollment. During open enrollment (typically November through January), Tennessee residents can compare Bronze, Silver, Gold, and Platinum plans and apply for premium tax credits based on household income.

Medicaid in Tennessee

Tennessee has not expanded Medicaid under the Affordable Care Act. This means there may be a coverage gap for adults with income below 100% of the Federal Poverty Level who do not qualify for traditional Medicaid. If your income is between 100% and 400% of FPL, you may still qualify for ACA marketplace subsidies. Check your eligibility using the calculator above.

Premium Subsidies in Tennessee

ACA premium tax credits are available to Tennessee residents with household income between 100% and 400% of the Federal Poverty Level. The subsidy amount is based on the cost of the benchmark Silver plan in your area minus your expected contribution (a percentage of your income). You can apply subsidies in advance to lower your monthly premium or claim them when you file your federal tax return.

The actual premiums and plan options available in Tennessee vary by county and rating area. Factors that affect your premium include age, tobacco use, household size, and zip code. Use the calculator above for a general estimate, then check HealthCare.gov for exact plan pricing in your area.