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Tennessee Open Enrollment Nov. 1: Nashville Residents Can Shop 2027 Health Insurance Plans
NASHVILLE, Tenn. — Open enrollment for 2027 health insurance begins Sunday, Nov. 1, giving Tennessee residents an opportunity to compare Marketplace plans, review premiums and choose coverage for the
By Evan Cross · 2026-11-02T00:02:40.831Z
NASHVILLE, Tenn. — Open enrollment for 2027 health insurance begins Sunday, Nov. 1, giving Tennessee residents an opportunity to compare Marketplace plans, review premiums and choose coverage for the coming year.
Tennessee uses the federal Health Insurance Marketplace at HealthCare.gov . Open enrollment runs from Nov. 1, 2026, through Jan. 15, 2027 . Residents who enroll or change plans by Dec. 15 can have coverage begin Jan. 1, while those enrolling from Dec. 16 through Jan. 15 generally receive coverage beginning Feb. 1.
The Tennessee Department of Commerce and Insurance is encouraging residents purchasing individual health coverage to begin reviewing their options early rather than waiting until the final weeks of enrollment.
What Tennessee residents should check Nashville area residents and consumers statewide should compare monthly health insurance premiums, deductibles, co pays, out of pocket maximums, prescription drug coverage and whether preferred doctors and hospitals remain in network.
Consumers should also update their expected 2027 household income and family information because those details can affect eligibility for premium tax credits and other Marketplace savings.
HealthCare.gov allows consumers to compare available plans and prices for their ZIP code and determine whether they may qualify for financial assistance.
Tennessee Marketplace plans vary by insurer and location Tennessee's individual health insurance market includes several major insurers participating in the Affordable Care Act Marketplace.
The Tennessee Department of Commerce and Insurance currently lists Marketplace carrier information for:
Alliant Ambetter BlueCross BlueShield Cigna Oscar UnitedHealthcare Available plans, premiums and provider networks can vary by county, making ZIP code specific comparison important for residents in Nashville, Memphis, Knoxville, Chattanooga and communities across the state.
Tennessee regulators direct consumers to HealthCare.gov to review current rates across companies and geographic areas.
2027 premiums deserve a fresh comparison Health insurance costs can change from year to year, even when a consumer stays with the same company.
Residents should compare the full cost of each plan, including monthly premiums, deductibles, co insurance and maximum out of pocket expenses, rather than simply renewing existing coverage.
Tennessee has completed its 2027 Qualified Health Plan filing and certification process, with insurers submitting rates and plan information ahead of the Nov. 1 Marketplace opening.
Enrollment deadlines matter Tennessee residents who want health insurance coverage beginning Jan. 1, 2027 , should enroll or make plan changes by Dec. 15 .
Open enrollment continues through Jan. 15, 2027 . Coverage generally begins Feb. 1 for consumers enrolling between Dec. 16 and Jan. 15.
After Jan. 15, most consumers need a qualifying life event to enroll in or change Marketplace coverage through a Special Enrollment Period .
Qualifying events can include losing other health insurance, getting married, having a child or certain changes in residence. Medicaid and the Children's Health Insurance Program remain available throughout the year for people who qualify.
Tennessee residents can compare 2027 health insurance plans, review potential financial assistance and enroll through HealthCare.gov .