Tennessee open enrollment 2027 Open enrollment · Tennessee

Tennessee Open Enrollment 2027 for Individuals

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

Short answer

For individuals and couples 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 works on its own clock: if approved, it can start the first of any month, whether or not the window is open.

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.

For 2027 the subsidy line is $63,840 for one person and $86,560 for a couple; above it, every metal level is full price. Bronze and catastrophic plans count as HSA-eligible starting with 2026 coverage, and the 2027 out-of-pocket cap is $12,000 for one person, which is the real worst case to compare.

Tennessee this year

Tennessee has six insurers for 2027, and one is leaving, so some enrollees will be moved to a replacement plan with a different network. Finalized increases fall between about 13 and 16 percent, depending on how each tracker weights insurers. Tennesseans enroll on HealthCare.gov. Nashville, Memphis, Knoxville and Chattanooga each run on distinct hospital systems, and Tennessee plans have historically had some of the narrowest networks in the country. Nashville's large gig and self-employed workforce often earns above the subsidy range, so a solo earner making more than $63,840 pays the double-digit increase in full.

One thing to do before you choose

Pick your hospital system first, then the plan. If you want a particular system in Nashville, Memphis or Knoxville, check it by name in each 2027 directory before comparing premiums. Memphis residents who use Mississippi or Arkansas providers should make sure those providers are in network. Healthy singles above the subsidy line can compare a private plan too, keeping in mind it sits outside the ACA Marketplace, underwriting decides whether you qualify, and benefits vary.

Your checklist

Each plan's network type in your Tennessee ZIP code
The out-of-pocket maximum next to the premium
Your 2027 income against the one- or two-person line
Bronze with an HSA if you rarely need care

Private plan or Marketplace?

Private plan

Healthy single adults or couples above the line: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

A health condition or income under the line: HealthCare.gov must accept you, and the subsidy can lower the price.

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.

I'm leaving a small Tennessee employer. Can I remain on the company's plan for a while?

Briefly. Tennessee restored a shorter continuation law in 2026: after three months of coverage, people leaving insured group plans can keep them for the remainder of that month plus three more at the full group premium. Dropping off an employer plan also lets you enroll on HealthCare.gov outside the usual window, so price Marketplace options before continuation ends.

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.