Country Guide
Best Health Insurance in Tennessee (2026)
Tennessee did not expand Medicaid — ACA marketplace is especially important for TN residents.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in Tennessee
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | BlueCross BlueShield TN | Widest TN network | $4,920/yr | — |
| 2 | Cigna Tennessee | National network | $4,680/yr | — |
| 3 | Oscar Health TN | Digital tools | $4,200/yr | — |
| 4 | UnitedHealthcare TN | Plan variety | $5,280/yr | — |
| 5 | Ambetter Tennessee | Lowest premium | $3,840/yr | — |