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Home › Regions › Nashville & Middle Tennessee

Health insurance help for Nashville & Middle Tennessee

Rating area 4: 9 counties, including Nashville, Murfreesboro, Franklin, Clarksville and Gallatin. Licensed agent Chuck Huckaby, by video or phone.

174,8382026 Marketplace sign-ups (CMS)
-9.1%Change vs 2025
70%Got help from an agent or broker
5Insurers selling here in 2026
Talk it through with a licensed Tennessee agent. Whether you live in Davidson County or a smaller county nearby, Free, no-pressure help comparing your options, by video or phone.
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2027: one of this region's insurers is leaving

One of the insurers that sold individual and family plans here in 2026 will not offer them for 2027. If your plan is ending, you will need to pick a new plan for January 1. Read the 2027 insurer exit explainer, which names the insurer and links its official notices.

Open Enrollment for 2027: November 1, 2026 to January 15, 2027. Pick a plan by December 15 for coverage that starts January 1; enroll December 16 to January 15 and coverage starts February 1 (HealthCare.gov).

What plans cost here (2026 plan year)

Insurers set prices by rating area. These 9 counties make up Tennessee rating area 4, so a given plan costs the same here for people of the same age, though not every plan is sold in every county.

$752/moBenchmark silver, age 40, before tax credit
$546/moLowest bronze, age 40, before tax credit
$141/moAvg. 2026 premium after tax credit (state)
90%Tennessee enrollees who got a tax credit

Before-tax-credit prices are from the CMS QHP Landscape PY2026. Most Tennessee enrollees get a premium tax credit that lowers the price, based on income and household size. How costs work in Tennessee.

County-by-county: who signed up in 2026

County2026 sign-upsvs 2025Sign-ups per 100 residentsUsed an agent or brokerGot a tax creditAvg. premium after tax creditBenchmark silver, age 40*Lowest bronze, age 40*
Davidson81,397-9.1%11.273%89%$141/mo$752$546
Rutherford30,649-11.8%8.176%93%$117/mo$752$546
Williamson16,038-3.4%6.054%78%$280/mo$752$546
Montgomery13,611-12.8%5.572%92%$124/mo$752$546
Sumner13,540-6.1%6.466%89%$169/mo$752$546
Wilson10,757-6.1%6.365%90%$161/mo$752$546
Robertson4,967-10.9%6.372%92%$143/mo$752$546
Cheatham3,285-11.4%7.769%91%$153/mo$752$546
Trousdale594-5.3%4.972%93%$115/mo$752$546

2026 plan year, HealthCare.gov Open Enrollment (Nov. 1, 2025 to Jan. 15, 2026). Sign-ups = plan selections. "Avg. premium after tax credit" is the average monthly amount 2026 enrollees in that county paid after advance premium tax credits. *Full monthly premium for one 40-year-old before any tax credit: benchmark = second-lowest-cost silver plan; lowest bronze = cheapest bronze plan sold in the county. Sources: CMS 2026 and 2025 OEP county public use files; CMS QHP Landscape PY2026; Census Vintage 2024. Historical 2026 data, not a 2027 quote. Use Chuck’s Marketplace agent link for current plan availability and personalized prices.

City guides in this region

Murfreesboro

Rutherford County data and local notes

Franklin

Williamson County data and local notes

Clarksville

Montgomery County data and local notes

How Chuck can help

  1. Free consultation. A short video or phone call about your doctors, prescriptions, budget and household.
  2. Compare options. Marketplace plans and tax-credit estimates, plus dental and vision if you want them.
  3. Your choice, your consent. Chuck only helps you enroll after you review your application and give documented consent, as federal rules require.

Nashville & Middle Tennessee residents can also compare every Marketplace plan on their own at HealthCare.gov.

Suggested vendors

Agent links: these are links Chuck may be paid through if you buy. Using them never changes your price. See disclosures.

Other Tennessee regions

Tri-Cities & Northeast Tennessee

Johnson City, Kingsport and Bristol

Knoxville & East Tennessee

Knoxville, Sevierville, Maryville and Morristown

Chattanooga & Southeast Tennessee

Chattanooga, Cleveland and Athens

Jackson & West Tennessee

Jackson, Dyersburg, Paris and Union City

Memphis & the Mid-South

Memphis, Bartlett, Collierville and Covington

Cookeville & the Upper Cumberland

Cookeville, Crossville, McMinnville and Sparta

Columbia & South Central Tennessee

Columbia, Tullahoma, Dickson, Shelbyville and Lawrenceburg

Sources

  1. CMS, 2026 Marketplace Open Enrollment Period Public Use Files (state and county level). https://www.cms.gov/data-research/statistics-trends-and-reports/marketplace-products/2026-marketplace-open-enrollment-period-public-use-files
  2. CMS, 2025 Marketplace Open Enrollment Period Public Use Files. https://www.cms.gov/data-research/statistics-trends-and-reports/marketplace-products/2025-marketplace-open-enrollment-period-public-use-files
  3. CMS / HealthCare.gov, QHP Landscape data, individual medical, plan year 2026. https://data.healthcare.gov/datasets?keyword=landscape
  4. U.S. Census Bureau, county population estimates, Vintage 2024. https://www.census.gov/data/tables/time-series/demo/popest/2020s-counties-total.html
  5. HealthCare.gov, Dates and deadlines for 2027 health insurance. https://www.healthcare.gov/quick-guide/dates-and-deadlines/

Checked October 24, 2026.