Tennessee open enrollment 2027 Open enrollment · Tennessee

Tennessee Open Enrollment 2027 for Families

Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker

Short answer

For families buying their own coverage in Tennessee, open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov, and December 15 is the date to choose by for a January 1 start. A private, medically underwritten plan for the household does not wait for the window either: if approved, it can start the first of any month.

What 2027 looks like for you

Tennessee's average 2027 rate change is 12.7% to 15.6% (finalized). One insurer is leaving Tennessee's individual market, so some renewals arrive as a plan you did not pick. The details are on the Tennessee 2027 premium increase page.

The 2027 subsidy line rises with household size: $109,280 for a household of three, $132,000 for four, and higher for larger families. Marketplace plans charge for at most three children under 21, so a bigger family's premium stops growing after the third child. Tennessee parents above the line pay full price at every metal level, which is when a side-by-side comparison matters most.

Tennessee this year

Tennessee families have six insurers to consider for 2027, but one is leaving, so some households will be moved to a replacement plan with a different network. Trackers put the average increase between about 13 and 16 percent, a spread that comes from how each one weights insurers by enrollment. Nashville, Memphis, Knoxville, Chattanooga and Clarksville each run on distinct hospital systems, and that matters more than the average when a child needs a specialist. Tennesseans pick plans on HealthCare.gov, with December 15 as the target for a New Year's Day start and January 15 as the last call. A household of three above $109,280 pays full price.

One thing to do before you choose

Decide which hospital system you want for your children first, then confirm each 2027 plan includes it before you even glance at premiums. Clarksville military families and Memphis parents who use Mississippi or Arkansas providers need to be sure those out-of-state doctors are covered. And when the exiting company is yours, do not accept the automatic replacement without checking that your pediatrician made the move with you.

Your checklist

Each family member's doctors and the children's hospital you use
The family deductible and out-of-pocket maximum
Household income against your household-size line
Planned 2027 care: a pregnancy, braces or surgery

Private plan or Marketplace?

Private plan

Whole household healthy, income above the line: each person is approved on their own health answers; not an ACA Marketplace plan.

Marketplace

Ongoing care for a child or parent, or income under the line: HealthCare.gov accepts everyone, and the subsidy grows with household size.

Compare Tennessee plans this open enrollment

Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.

Get a quote Book a call (786) 218-2384

About your broker

Frank Caballero (NPN 21032307), licensed in 31 states including Tennessee. Phone or video, English or Spanish, no fee; independent, not HealthCare.gov or any government agency.

Questions

When is the 2027 open enrollment deadline in Tennessee?

January 15, 2027 on HealthCare.gov. Choose by December 15, 2026 for coverage that starts January 1; plans picked after that start February 1.

Our Nashville insurer is leaving. How do I keep our kids with the same pediatrician?

Find out which hospital system your pediatrician belongs to, then search for that doctor in the directories of the remaining insurers' 2027 plans. The automatic replacement might not list them. Should the Marketplace lineup fall short, private family plans are another route, subject to health approval.

Can I get a private plan in Tennessee after open enrollment closes?

Yes. You can apply in any month and, if approved, a private plan can start the first of a month; the insurer can decline based on health answers.

More for Tennessee

Official sources: HealthCare.gov, the federal Marketplace; HealthCare.gov: special enrollment periods. FC Insurance Solutions is an independent, licensed brokerage and is not affiliated with any government agency.

Written by Frank Caballero, licensed health insurance broker in Tennessee and 30 other states, NPN 21032307. Last updated November 3, 2026.