Compare Individual, Family & ACA Health Insurance Plans with a Licensed Tennessee Agent.
Welcome to HealthPlusLife, your Tennessee partner for private and ACA Marketplace health insurance. From Memphis and Nashville to Knoxville, Chattanooga, and the Smokies, we help you compare plans statewide and feel confident about benefits, costs, and networks.
TTY 711 · Mon–Fri 9am – 5:30pm EST
We make health insurance simple, transparent, and stress-free.
Our team of licensed professionals brings years of expertise to help you find the ideal coverage.
We compare plans side-by-side so you can make an informed decision with confidence.
Navigate the Marketplace with ease — we help you maximize subsidies and benefits.
Get enrolled quickly with step-by-step guidance from start to finish.
Choose the plan that fits your life — our agents will guide you every step of the way.
Subsidy-eligible coverage with essential health benefits included.
Getting covered is simple — just three easy steps.
Reach out by phone or fill out our form. A licensed agent will connect with you at your convenience.
We review your needs and compare coverage options side-by-side so you can make the best decision.
Once you've found your perfect plan, we handle the enrollment process from start to finish.
Fill out the form and a licensed agent will call you back — no obligations, no pressure. We’re here to help you find the right plan.
Real stories from Tennessee residents we’ve helped find the right coverage.
“HealthPlusLife made finding a health plan so easy. My agent walked me through every option and I saved over $200/month!”
Maria G.
Chattanooga, TN
“I was overwhelmed by the Marketplace options. Their team helped me find a plan that covered my whole family perfectly.”
James T.
Clarksville, TN
“Professional, fast, and genuinely helpful. I felt confident in my choice from day one. Highly recommend!”
Sandra L.
Franklin, TN
Don’t see your city? We serve all of Tennessee. Call (888) 828-5064 to speak with a licensed agent.
In Tennessee, you can shop both ACA Marketplace plans and off-exchange private policies that fit individuals, couples, and families. Many residents, including self-employed Tennesseans in music, logistics, agriculture, and small businesses, turn to private coverage for flexible options and local networks. With about 20,000 physicians and roughly 83,000 registered nurses practicing across the state, networks can look different between metro areas and rural counties, so comparing choices side by side matters. Explore your options with our Individual And Family guidance.
Most Tennesseans apply for ACA subsidies through Healthcare.gov, which is the federal Marketplace used by the state. Because Tennessee has not expanded Medicaid, some lower-income adults may rely more on Marketplace coverage; eligibility for financial help depends on your household size and income. High earners who qualify without subsidies can still optimize coverage and tax-advantaged strategies, and our Health Insurance For High Income Earners resource explains what to consider. Always verify plan and subsidy details on Healthcare.gov before you enroll.
Plan types in Tennessee include HMOs, PPOs, EPOs, and POS plans. HMOs typically use a primary care doctor and referrals, PPOs allow more out-of-network flexibility, EPOs combine broader networks with no out-of-network coverage except emergencies, and POS plans mix HMO-style coordination with some out-of-network benefits. In Tennessee’s major metros you may find broader-network PPO or POS options, while in Appalachian and western rural counties narrower-network HMO or EPO plans can be more common. Check whether nearby clinics and hospitals are in network before you pick.
HealthPlusLife helps Tennesseans compare premiums, deductibles, copays, and networks, and confirm your preferred doctors are included. You can review choices, ask questions, and Buy Private Health Insurance Online with expert support. We guide you through enrollment on Healthcare.gov for on-exchange plans or help evaluate off-exchange options, always focusing on a plan that fits your Tennessee lifestyle and budget.
Get answers to the most common questions about health insurance in Tennessee.
Yes. Tennessee residents enroll in ACA Marketplace plans through Healthcare.gov, and available insurers and networks can vary by county. Review plan details there and reach out to HealthPlusLife for help interpreting your options.
Subsidy eligibility is based on your household size and income. Because Tennessee has not expanded Medicaid, some lower-income adults may rely more on Marketplace plans. Check your eligibility and estimated costs on Healthcare.gov before selecting coverage.
You will commonly see HMO, PPO, EPO, and POS options. Urban areas like Nashville, Memphis, Knoxville, and Chattanooga may offer broader networks, while some rural counties feature narrower networks with lower premiums. Always confirm your doctors and nearby hospitals are in network.
Open Enrollment occurs once each year, and you can qualify for a Special Enrollment Period after certain life events such as moving to Tennessee, losing other coverage, marriage, or the birth of a child. You can apply and verify eligibility on Healthcare.gov.
Yes. We assist residents across the state, from Memphis and Middle Tennessee to the Tri-Cities and rural counties, with both on-exchange and off-exchange private plans. We will help you compare benefits, networks, and costs so you can choose confidently.
Speak directly with a licensed agent today. We’ll help you find the
perfect coverage for you and your family.
TTY 711
Mon–Fri 9am – 5:30pm EST