Tennessee Health Insurance Exchange  


Taking Healthcare Into Your Own Hands
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Health Insurance Marketplace
Explore Your Options

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Checklist for individuals & Families

Whether you're uninsured, or just want to explore new options, the Tennessee Health Insurance Exchange Marketplace will give you and your family more choice and selection in health plans.

6 things you can do to get ready

Learn about the different types of Health Insurance available in Tennessee. Through the Marketplace, you'll be able to choose a health plan that gives you the right balance of cost and coverage.

Make a list of questions you have before it's time to choose your health plan. You may contact the Tennessee Health Insurance Exchange.      Telephone 615-504-4753
Facsimile  615-206-9309

Make sure you understand how insurance works. Consider deductibles, out-of-pocket maximums, co-payments, etc. when choosing a health insurance plan that best fits your needs.

Set your budget. There are different types of TN health insurance plans to meet a variety of needs and budgets, and breaking them down by cost can help narrow your choices.

Find out from your employer whether they plan to offer health insurance, especially if you work for a small business.

Explore current options. Use our resources to get information about current health insurance available in Tennessee for individuals and small business owners.

Find Insurance Options Now

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This tool will help you find the health insurance best suited to your needs. Insurance for individuals and families. It was created to help consumers obtain insurance quotes in compliance with the health insurance reform law, the Affordable Care Act.




Tennessee Health Insurance Exchange

Telephone 615-504-4753
Facsimile  615-206-9309

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There are lots of ways to buy insurance these days. But the best way to make sure you have the right coverage for your needs is through an independent ERIE Agent. We’ll help you determine the products and coverages to protect what’s yours. And we’re backed by a company known in the industry for its financial strength and superior service.

Health Insurance Basics

Your Insurance Company & Cost of Coverage

The Affordable Care Act includes features that promote transparency and hold insurers accountable for how they spend your premium dollars and rate increases.
Medical Loss Ratio. Insures must, in general, spend 80% or 85% of the premium dollars they take in on health care cost and health care improvement activities. If they do not, they must provide refunds to policy holders

Rate Review. Health insurance companies must tell consumers when they want to increase insurance rates for individuals or small group policies by an average of 10% or more.

Current Implemented Health Care Reform Benefits

Lifetime Limits. Lifetime limits for most health benefits are banned for all new health insurance plans.

Children's Pre-Existing Conditions.
Insurance companies can no longer deny coverage for children under the age of 19 for a Pre-Existing condition and they must cover the condition with no waiting periods.

  Preventive Care Services Covered.
Preventative Services must be covered for insurance policies beginning on or after September 23, 2010. If your plan is subject to these new requirements, you may not have to pay a co-payment, co-insurance, or deductible to receive recommended preventive health services, such as screenings, vaccinations, and counseling.

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