Health coverage in Tennessee
Tennessee has not expanded Medicaid, so the income at which help begins matters more here than it does in a state that did. This page sets out where the lines are.
Has Tennessee expanded Medicaid?
No. Tennessee has not expanded Medicaid.
Help with a Marketplace premium starts at 100% of the federal poverty level, and Tennessee Medicaid covers a narrower group of adults than that.
What does the coverage gap mean in Tennessee?
Below 100% of the poverty level a Tennessee adult can fall into the coverage gap: too much income for Tennessee Medicaid, not enough for help with a Marketplace premium.
It is the result of a state policy decision, not of anything the person did, and it is not the end of the road. Apply for Tennessee Medicaid anyway — the rules cover more people than most expect, especially households with children, someone who is pregnant, or someone with a disability.
Who gets the most help in Tennessee?
Between 100% and 138% of the poverty level. That band gets the largest help with the premium the Marketplace offers, plus cost-sharing reductions that lower what you pay when you use the plan.
It is a Marketplace band here precisely because Tennessee did not widen Medicaid to 138% of the poverty level.
How many people used the Marketplace in Tennessee?
CMS counted 136,544 new Marketplace consumers in Tennessee for 2026, from a state of about 7.2 million people.
Can this page tell me where I land?
No. Household size and exact income decide it, and this page has neither.
A licensed agent can go through it with you. Applying for Tennessee Medicaid at the same time costs you nothing and answers the other half of the question.
Which parts of Tennessee do you cover?
All 95 counties. Wherever you are in Tennessee, your details go to an agent who holds a licence in Tennessee — that is the only agent this system will route you to.
The county count comes from the US Census Bureau's ZIP-code-to-county relationship file, 2020 geographies.
The other states we work in
The rules are not the same in each one, so each state has its own page.
Have a licensed agent call you
Tell us how to reach you and which state you live in. An agent licensed in your state will get in touch. Speak to an agent today, risk-free. There is no obligation.