# Tennessee — State health insurance marketplace assistance by state: who runs it, where subsidies start and stop, and what the state adds

For Tennessee, marketplace type is federally-facilitated marketplace; marketplace name is HealthCare.gov; marketplace website is https://www.healthcare.gov/; medicaid expansion adopted is no; where premium tax credit eligibility starts is 100% of the federal poverty line, recorded from its source on 2026-08-14.

- **State:** Tennessee _(verified: appears in the quote below)_
- **Marketplace type:** federally-facilitated marketplace _(verified: appears in the quote below)_
- **Marketplace name:** HealthCare.gov _(verified: appears in the quote below)_
- **Marketplace website:** https://www.healthcare.gov/ _(verified: appears in the quote below)_
- **Medicaid expansion adopted:** no _(verified: appears in the quote below)_
- **Where premium tax credit eligibility starts:** 100% of the federal poverty line _(our reading, not quoted from the source)_
- **Coverage gap below the poverty line:** yes _(our reading, not quoted from the source)_
- **State premium assistance programme:** none _(verified: appears in the quote below)_
- **State assistance above 400% of the poverty line:** no _(verified: appears in the quote below)_
- **State cost-sharing programme:** none _(verified: appears in the quote below)_
- **Basic Health Program:** none _(verified: appears in the quote below)_
- **State individual mandate:** no _(verified: appears in the quote below)_
- **Open enrollment opens:** November 1 _(verified: appears in the quote below)_
- **Open enrollment closes:** January 15 _(verified: appears in the quote below)_
- **Coverage year these dates are for:** 2026 _(verified: appears in the quote below)_

## What the source says

> Visit >https://www.healthcare.gov/< HealthCare.gov to access Tennessee&#8217;s health insurance marketplace. Here you will find an online platform to shop, compare, and choose the best health plans. Purchase individual and family health coverage with the help of an insurance agent or broker, a Navigator or certified application counselor, or an approved enhanced direct enrollment entity. 10 You can also call HealthCare.gov’s contact center by dialing 1-800-318-2596 (TTY: 1-855-889-4325). The call center is available 24 hours a day, seven days a week, but it’s closed on holidays. How can I find affordable health insurance in Tennessee? Tennessee uses the federally facilitated exchange for individual market plans, so residents who buy their own health insurance enroll through HealthCare.gov. Ninety percent of the people who purchased health plans through the Tennessee Marketplace during the open enrollment period for 2026 coverage were eligible for advance premium tax credits (APTC), also known as premium subsidies. The APTC amounted to an average savings of $772/month and reduced the average subsidy-eligible enrollee’s premium to about $67/month. 11 But because Congress didn&#8217;t extend the federal subsidy enhancements that expired at the end of 2025, subsidies are >https://www.healthinsurance.org/blog/marketplace-enrollees-face-return-of-the-subsidy-cliff/< no

## Source

- https://www.healthinsurance.org/tennessee/

Last verified: 2026-08-14. Review by: 2026-12-12.
Part of [State health insurance marketplace assistance by state: who runs it, where subsidies start and stop, and what the state adds](https://referencesource.org/state-marketplace-assistance-programs/).