Tennessee · 2026 plan year

Medicare Advantage plans in Tennessee

Tennessee has 117 Medicare Advantage plans from 12 carriers, averaging 3.83 out of 5 stars across the 115 plans CMS has rated. The first real decision is HMO or PPO — how far you can go outside the plan’s network, and what that freedom costs.

117
Medicare Advantage plans
12
Carriers
95
Counties covered
3.8
Avg stars (115 of 117 rated)
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. CMS publishes star ratings per contract, so plans a carrier files under one contract all share a rating.

Tennessee HMO plans rank 21st of 49 on star rating.

Across the 69 rated plans here the average overall rating is 3.86 stars, 21st highest of the 49 states with HMO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.

By plan type

HMO and PPO in Tennessee, compared

Plan typePlansCarriersAvg starsAvg out-of-pocket max
HMO70103.86$6,388
PPO4773.78Not published
Also available

Other Medicare coverage

Every figure on this page covers HMO and PPO plans. A small number of PFFS and Cost plans are sold in some states and are not included above — there are too few nationally (71 across 17 states) to compare meaningfully. Standalone Part D drug plans and PACE programmes are different products entirely and are not Medicare Advantage; you can find any available on the full Tennessee plan list.

Other states

Compare another state

All 51states → · Medicare Advantage vs Original Medicare

Stars are one signal.
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