Tennessee has one of the most dynamic economies in the South — Nashville's boom, Knoxville's growth, and Memphis's revitalization have brought an influx of entrepreneurs, remote workers, and self-employed professionals who need individual health coverage and often don't know where to start.
Tennessee uses the federal Marketplace at healthcare.gov and has not expanded Medicaid — which means the coverage options for adults above poverty-level income but below ACA subsidy ranges are more limited than in many other states. For this reason, working with a broker who knows the Tennessee market is especially valuable.
Tennessee's Health Insurance Landscape
Tennessee operates on the federal Marketplace. The state has not expanded Medicaid under the ACA, which creates a coverage gap for some low-income adults. For those above the gap — earning enough to qualify for ACA subsidies or above — the Marketplace and private insurance both provide viable options. The right choice depends heavily on income, health history, and what you need from a plan.
Nashville's Growing Self-Employed Community
Nashville has emerged as one of the fastest-growing cities in the country, drawing entrepreneurs, musicians, healthcare professionals, and remote workers from across the nation. Many are self-employed or 1099 contractors without employer coverage. MacKenzie Wickel works with this population daily — finding coverage that fits the reality of variable income and entrepreneurial life.
Getting Covered in Tennessee
A 20-minute call with MacKenzie covers every option available to Tennessee residents — federal Marketplace plans and private carriers compared side by side. Coverage can begin as fast as 24 hours for approved private plans.
Book a free 20-minute call with MacKenzie — no pressure, no obligation, just a straight answer about what fits your situation in Tennessee.