Tennessee open enrollment 2027 Open enrollment · Tennessee

Tennessee Open Enrollment 2027 for Marketplace Renewals

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

Short answer

For people renewing a Marketplace plan 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. Before you let the renewal go through, know that a private, medically underwritten plan is another option: 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.

Unless you act, HealthCare.gov renews most enrollees into the same plan, or a similar one if yours is gone, at the 2027 price. Your renewal notice shows the new premium, deductible and any change in subsidy. Plans picked during open enrollment replace the renewal, and the 2027 out-of-pocket cap rises to $12,000 for one person.

Tennessee this year

Tennessee has six Marketplace insurers in the 2027 data, one of them exiting, and finalized average increases of about 12.7 to 15.6 percent. Tennessee plans have a history of tight networks, so the more important line on your renewal may be the network rather than the price. Each of the four big metros has its own hospital systems. Nashville session players and road crews, contractors around the Memphis freight hub and Smoky Mountain tourism owners are a large share of the full-price market. One person over $63,840 pays everything. Tennesseans renew on HealthCare.gov; select by December 15 for January 1 coverage.

One thing to do before you choose

If you tour, check how your 2027 plan handles care outside Tennessee before anything else; a narrow network can leave you covered only for emergencies on the road. If your insurer is the one exiting, compare the remaining options by network first and price second. Musicians and crew who are healthy and above the subsidy line can also ask me to quote a private PPO with national reach, priced on age, ZIP code and health, which can start the first of a month if approved.

Your checklist

Your 2027 renewal notice, read line by line
Whether your plan is the same one or a replacement
Doctors and prescriptions in the 2027 plan
Last year's actual care, priced at each metal level

Private plan or Marketplace?

Private plan

Healthy and facing a big renewal: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing treatment, or a subsidy you still qualify for: stay with HealthCare.gov, but pick the 2027 plan yourself instead of auto-renewing.

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 a Nashville songwriter with an anxiety diagnosis and weekly therapy. Should I switch to a private plan?

Probably not. A private underwritten plan asks about mental health history and medications, and those answers could affect approval. A Marketplace plan cannot weigh them. Stay there, and before December 15 confirm your therapist and any medication are covered in your 2027 plan, since mental health networks can be thin.

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.