Tennessee Health Insurance
Before the Affordable Care Act took effect, Tennessee’s uninsured rate was slightly below the national average, and the state has seen incremental improvements since the ACA health insurance exchanges opened for business. Health plans are available through many outlets: the workplace, public programs, the state’s Obamacare exchange, and the private marketplace.
Individuals and families can also get health insurance quotes through HealthCare.org, which offer quotes for ACA-compliant major medical insurance plans, short term health insurance, supplemental health insurance, dental insurance and Medicare supplement plans in Tennessee.
Tennessee and the Affordable Care Act
When the first Obamacare open enrollment period began Oct. 1, 2013, Tennessee defaulted to a federally facilitated health insurance exchange. Tennessee’s Health Insurance Marketplace sells individual and family healthcare benefits that qualify as minimum essential coverage under the healthcare reform law. Plans sold through the Health Insurance Marketplace are also eligible for income-based financial assistance in the form of premium tax credits and cost-sharing subsidies.
Those who do not qualify for federal credits and subsidies or prefer to explore other coverage options may shop for minimum essential coverage in the private marketplace. These plans may differ from those in the Health Insurance Marketplace. HealthCare.org provides Tennessee health insurance quotes for ACA-compliant major medical plans and more.
Tennessee employers with 50 or fewer full-time employees can offer healthcare benefits through the Small Business Health Options Program (SHOP).
Medicaid expansion in Tennessee
Tennessee is among the states that have not yet expanded Medicaid to single, low-income adults ages 19 to 64. Residents who want to apply for Medicaid, which is known as TennCare, must meet certain eligibility criteria set by the state.
Tennessee’s Children’s Health Insurance Program is called TennCare Kids. This program provides low-cost health insurance for eligible children living in the state.