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Tennessee Health Insurance (TN)

Here you will find information for Tennessee residents, including specific health insurance providers in Tennessee, Tennessee health care regulations and more. If you are looking for a health insurance quote in Tennessee, simply enter your zip code in the box to the right to request a health insurance quote.

Health Insurance Providers in Tennessee (TN)

American Medical Security
Assurant Health (formerly Fortis)
BlueCross BlueShield of Tennessee
Fairmont Specialty Group
Golden Rule
Security Life

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Individual Health Insurance in Tennessee (TN)

Individual health insurance coverage usually depends on your health and insurance companies are allowed to deny your application if you have a health problem. For people who are HIPAA eligible, the rules are different, as the individual insurers are not allowed to turn you down and cannot impose exclusion periods. In the presence of a pre-existing condition, you may meet with an exclusion period of no more than two years. The companies can also place elimination riders on the policies for the condition. Individual insurers are not required to give creditable coverage. Pregnancy can be considered a pre-existing condition in Tennessee. There are no limits on the cost of an individual health policy. However, your insurance cannot be cancelled if you get sick.

Group Health Insurance in Tennessee (TN)

In Tennessee, group health insurance cannot be denied to qualified people, nor can the people be charged more because of a health problem. Certain life changes dealing with family or job loss may entitle you to special opportunities for group coverage. A new employer may wait to offer group insurance. Insurance companies are allowed to review your medical history for the prior six months before new group coverage. If you have a pre-existing condition, the company can require an exclusion period with a maximum of 12 months before coverage will begin. If you have maintained continuous coverage, with no breaks of more than 63 days, you are entitled to credit toward the exclusion period.

Small Business Health Insurance in Tennessee (TN)

Small businesses with two to 50 employees cannot be denied small group health coverage due to health problems within the group, nor can they be cancelled due to health problems of the group. There are limitations on the costs of premiums for businesses with three to 25 employees. If your business has just two employees, or more than 25 employees, no such limits are set.

Self-Employed Health Insurance in Tennessee (TN)

Self-employed individuals cannot purchase group health insurance. Affiliation with a business or professional association for the purpose of acquiring group health insurance has regulations that should be checked with the Tennessee Department of Commerce and Insurance.

Tennessee Department of Commerce and Insurance
500 James Robertson Parkway
Nashville, TN 37243
(615) 741-2241

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Tennessee Health Programs (TN)

There are several state programs which help low income residents with health needs: Tenncare and Tennessee Breast and Cervical Cancer Early Detection Program.


Health Insurance in Tennessee Cities (TN)

Learn more about health insurance (including medical facility details) in Gallatin, Knoxville, Memphis, Nashville, Shelbyville, and Tullahoma.


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