Self-employed health insurance, made specific for Tennessee.

Marketplace plans in Tennessee (through HealthCare.gov) follow the standard ACA Open Enrollment Period — November 1 through January 15 in most years — plus Special Enrollment Periods triggered by qualifying life events like losing employer coverage, getting married, or a qualifying permanent move (a move generally requires qualifying coverage beforehand). Off-exchange private plans sometimes offer additional enrollment windows. I confirm your eligibility before recommending a plan.

BlueCross BlueShield of Tennessee, Ambetter from Centene, Oscar Health, Aetna CVS Health, Cigna Healthcare are among the active QHP issuers in Tennessee based on the most recent CMS Marketplace Open Enrollment Period public-use file. Carrier participation can change year-to-year; before recommending a plan I always confirm the current carrier set against the current HealthCare.gov listings for your zip code.

It varies significantly by age, income, county, and tobacco status. Per the most recent CMS Open Enrollment Period public-use file, Tennessee consumers receiving an Advance Premium Tax Credit averaged $580/month in APTC. The actual premium-after-subsidy you'd pay depends on your specific household. I run real numbers for your zip and projected income before recommending anything.

Yes for marketplace coverage — ACA marketplace plans are tied to your state of residence as of the date you enroll. If you're moving to Tennessee, a permanent move can be a qualifying life event that opens a 60-day Special Enrollment Period — generally when you had qualifying coverage before the move. I'm licensed in Tennessee and dozens of other states (the About page lists every one), so transition coverage is a single-broker handoff if you're crossing state lines.

Eligibility depends on whether Tennessee expanded Medicaid. This state has not expanded Medicaid, which leaves a coverage gap for adults below 100% FPL who don't qualify for marketplace subsidies and don't qualify for Medicaid under traditional rules. The marketplace application checks Medicaid eligibility automatically and routes you to the right program.

Nothing. Insurance brokers are compensated by the insurance carriers via commissions built into plan pricing. You pay the same premium whether you enroll on your own or through me, but going through me means you get a side-by-side comparison of the plans I have access to, plan-specific provider verification, and ongoing support — at no added cost.