Tennessee open enrollment 2027 Open enrollment · Tennessee

Tennessee Open Enrollment 2027 for People Over the Subsidy Line

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

Short answer

For people earning over the subsidy line 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. Above the line, a private, medically underwritten plan is priced on health instead of income, and 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 is 400% of the federal poverty level: $63,840 for one person, $86,560 for two, $109,280 for three and $132,000 for four. One dollar over it and every Marketplace plan in Tennessee is full price, at every metal level, with an out-of-pocket cap of $12,000 for one person and $24,000 for a family.

Tennessee this year

Tennessee's 2027 rates rise a final 12.7% to 15.6% on average. Six insurers are on the 2027 list and one insurer is exiting, so some renewals will come with a forced change. Above 400% of poverty, Tennessee buyers include established songwriters and session players in Nashville, healthcare industry consultants, logistics managers around the Memphis hub, and business owners in Knoxville and Chattanooga. Tourism owners in Gatlinburg and Pigeon Forge with good seasons are in the mix too. Hospital access is regional, so a network that works in one city may fall short in another. HealthCare.gov is where you enroll; choose by December 15 for January 1, and the deadline is January 15, 2027.

One thing to do before you choose

Royalty and touring income can rise and fall without warning. If you write or play in Nashville, estimate 2027 conservatively but honestly, keeping in mind the single-person line of $63,840. A breakout year can put you far above it, and a quiet one could leave you just under. If you're clearly over, compare a full-price HealthCare.gov plan with a private plan priced on age, ZIP code and health. Approval depends on your answers, and benefits vary by plan.

Your checklist

How far above the line your 2027 household income will land
The full-price Tennessee premium at each metal level
Everyone's health, for a private quote
Doctors you want to keep, checked in every network

Private plan or Marketplace?

Private plan

Healthy and well above the line: priced on age, ZIP code and health instead of earnings. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing care, or income you can bring back under the line: HealthCare.gov must accept you, and below the line the subsidy returns.

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.

My husband and I own a cabin rental business in Pigeon Forge. Can one private plan cover us both?

It can, if each of you is approved. Private plans are medically underwritten, so each person answers health questions, and the price reflects age, ZIP code and health, not business income. Coverage can start the first of a month if approved. If one of you isn't, the Marketplace is still open to you at full price.

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.