Licensed in Tennessee
Health Insurance in Tennessee
Upper Echelon Health helps Tennessee individuals, families, self-employed professionals and small businesses compare health coverage around their doctors, prescriptions, budget and goals, with personal guidance at no cost.
Prefer to talk? Call 850-876-3462
2027 Open Enrollment in Tennessee
Key dates for Tennessee residents.
Tennessee uses the federal marketplace, HealthCare.gov. Private PPO and small-business group plans follow their own timelines, and we'll walk you through every option you qualify for.
- Marketplace
- HealthCare.gov
- Enroll by, for coverage starting Jan 1
- December 15, 2026
- Open Enrollment ends
- January 15, 2027
- After Open Enrollment
- 60-day special enrollment after a qualifying life event
Who we serve in Tennessee
Coverage for real life in Tennessee.
Individuals & Families
Compare coverage around your doctors, prescriptions and budget.
Learn more →1099 & Self-Employed
Options for people without employer-sponsored benefits.
Learn more →Small Business
Group health benefits built around your team and budget.
Learn more →Truck Drivers & OTR
Coverage considerations for life on the road.
Learn more →Travel Nurses & Healthcare
Guidance for changing assignments and locations.
Learn more →2027 premium tax credits
Will you qualify for help paying premiums?
For 2027, tax credits generally end at 400% of the federal poverty level. In Tennessee, that's $63,840 for one person and $132,000 for a family of four. Just over the line? A plan review can still find a better fit.
How we help Tennessee clients
- Compare plans side by side: networks, drug coverage and total cost
- Check that your doctors and hospitals are in network before you enroll
- Help with your application and the timing of your start date
- Year-round support with billing, ID cards, claims questions and renewals
Common questions
Tennessee health insurance, answered.
Open Enrollment for 2027 coverage in Tennessee runs through January 15, 2027 on HealthCare.gov. Choose a plan by December 15, 2026 for coverage that starts January 1. Outside Open Enrollment, you generally need a qualifying life event, such as losing other coverage, moving or having a baby, which opens a 60-day special enrollment window.
No. There is no cost to work with us, from comparing coverage options and enrollment to ongoing support after you enroll.
Yes. Even very small teams may have group options, and small-business group plans can generally start in any month of the year. We compare plans, employer contribution strategies and renewal options for your team.
Premium tax credits for 2027 are generally available to households with income between 100% and 400% of the federal poverty level who buy through HealthCare.gov and don't have other affordable coverage. In Tennessee, 400% of the poverty level is $63,840 for one person and $132,000 for a family of four.
Let's find coverage that fits your life in Tennessee.
Personal guidance from a licensed advisor. No cost to work with us.
Or call 850-876-3462