Health insurance plans in Tennessee
Tennessee uses the federal Marketplace, with 157 plans across the Bronze, Silver and Gold tiers from up to 6 insurers. Which tier suits you depends far more on how much care you expect to use than on the premium alone.
One carrier files 63% of Tennessee's Bronze plans.
BlueCross BlueShield of Tennessee accounts for 40 of the 63 Bronze plans in Tennessee. A long plan list can look like a wide choice while most of it resolves to one network and one formulary — worth knowing before you treat plan count as a measure of competition.
The three tiers in Tennessee, compared
Catastrophic and other coverage
Some states also offer Catastrophic plans, which carry very low premiums and very high deductibles and are limited to people under 30 or those with a hardship exemption. They are a small share of the market and are not broken out into their own page here — you can find any available in Tennessee on the full Tennessee plan list. Platinum plans are rare on the federal Marketplace and are absent from most states.
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