Health Insurance Overview
Tennessee residents have several pathways to health insurance coverage. While the state has not expanded its Medicaid program (TennCare), many residents can find affordable coverage through the federal marketplace with premium subsidies that significantly reduce costs.
TennCare (Medicaid in Tennessee)
TennCare is Tennessee's Medicaid program, providing health coverage since 1994. Without expansion, TennCare primarily covers:
- Children under 19 (income limits vary by age)
- Pregnant women with income up to 195% of poverty level
- Parents/caretakers with very low income
- Adults age 65 and older who meet income requirements
- Individuals with qualifying disabilities
How to Apply for TennCare
You can apply for TennCare through:
- Online: Visit TennCare Connect
- Phone: Call 1-855-259-0701
- In Person: Visit your local Department of Human Services office
- Mail: Download and submit a paper application
CoverKids Program
CoverKids provides health coverage for uninsured children under 19 whose families earn too much for TennCare but still need assistance. Income limits are higher than traditional TennCare.
Health Insurance Marketplace
Tennessee uses the federal Health Insurance Marketplace at HealthCare.gov. You can compare plans from multiple insurers serving your area and see your potential savings before you enroll.
How to Enroll
- Visit HealthCare.gov
- Create an account and complete your application
- Review your eligibility for TennCare or marketplace subsidies
- Compare plans and select the best option for your needs
- Pay your first premium to activate coverage
Average Costs and Subsidies
Financial assistance is available to help Tennessee residents afford coverage:
- Premium Tax Credits: Available for income between 100-400% of poverty (with enhanced subsidies potentially available above 400%)
- Cost-Sharing Reductions: Lower out-of-pocket costs on Silver plans for those under 250% of poverty
- Zero Premium Options: Some residents qualify for Bronze plans with $0 monthly premium
Frequently Asked Questions
Has Tennessee expanded Medicaid?
No, Tennessee has not expanded Medicaid (TennCare) under the Affordable Care Act. Adults without children generally do not qualify for TennCare regardless of income. However, children, pregnant women, elderly, and disabled individuals may qualify under traditional TennCare rules.
What is TennCare?
TennCare is Tennessee's Medicaid program that provides health coverage to eligible low-income residents. It covers children, pregnant women, parents with very low income, seniors, and people with disabilities. TennCare has been operating since 1994 as a managed care program.
How do I apply for health insurance in Tennessee?
Tennessee uses the federal marketplace at HealthCare.gov for individual and family coverage. You can apply online, by phone at 1-800-318-2596, or with help from a licensed agent. For TennCare, apply through the TennCare Connect portal or call 1-855-259-0701.
Can I get help paying for health insurance in Tennessee?
Yes, if your income is between 100% and 400% of the federal poverty level, you may qualify for premium tax credits through HealthCare.gov. These subsidies can significantly reduce your monthly premium, and many Tennesseans pay less than $100/month for quality coverage.
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