Explore Affordable Care Act (ACA) health insurance plans near Memphis, Tennessee.

Learn about plans and carriers available throughout the greater Memphis area. Looking for something specific? Click a link to navigate to that section of the page.

Tennessee enrollment dates and deadlines

Tennessee residents can apply for Affordable Care Act (ACA) health insurance plans during the annual Open Enrollment Period or during a Special Enrollment Period (SEP).

  • The Open Enrollment Period generally occurs from November 1 – December 15 every year.
  • You may be eligible for a Special Enrollment Period if you experience certain life events, such as getting married, relocating to a new home, having a child, or losing your health coverage.

The Federal government may also open a Special Enrollment Period.

If you don’t have health insurance, an ACA health plan could be the right coverage for you and your family. All ACA plans are required to cover 10 essential benefits, including emergency services, maternity care, and prescription drugs.

You may also qualify for premium tax subsidies, which could decrease the cost of your monthly premiums. Some Americans may even qualify for $0 premium bronze and silver plans.1

ACA Health Insurance Plans in Memphis, Tennessee

View available insurance plans from recognized insurance companies in and near Memphis, Tennessee below. Select a health plan to learn more.
Cigna Connect 0 ($0 Deductible, $0 Telehealth)
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Cigna Health and Life Insurance Company
Cigna Connect 4200 Enhanced Asthma COPD Care ($0 Telehealth)
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Cigna Health and Life Insurance Company
Cigna Connect 7800 ($0 Telehealth)
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Cigna Health and Life Insurance Company
Cigna Connect 6800 Enhanced Diabetes Care ($0 Preferred Insulin)
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Cigna Health and Life Insurance Company
Cigna Connect 3500 Enhanced Diabetes Care ($0 Preferred Insulin)
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Cigna Health and Life Insurance Company
Cigna Connect 7700 ($0 Tier 1 RX, $0 Telehealth)
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Cigna Health and Life Insurance Company
Cigna Connect 8700 ($0 Telehealth)
Coverage Level: Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Cigna Health and Life Insurance Company
Cigna Connect 3200 ($0 Tier 1 RX, $0 Telehealth)
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Cigna Health and Life Insurance Company
Cigna Connect 5900 ($0 Telehealth)
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Cigna Health and Life Insurance Company
Cigna Connect 6500 ($0 Telehealth)
Coverage Level: Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Cigna Health and Life Insurance Company
Cigna Connect 1000 ($0 Tier 1 RX, $0 Telehealth)
Coverage Level: Gold
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Cigna Health and Life Insurance Company
Cigna Connect 4750 ($0 Tier 1 RX, $0 Telehealth)
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Cigna Health and Life Insurance Company
Silver 4000 ($35 Primary Care + $15 Generic)
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Bright Health
Bronze 8700 ($25 Generic)
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Bright Health
Gold $0 Deductible + Adult Dental & Vision ($0 Telehealth + $0 Primary Care + $0 Mental Health + $0 Prescription List)
Coverage Level: Gold
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Bright Health
Silver 6700 + Adult Dental & Vision ($0 Telehealth + $0 Primary Care + $0 Specialist + $0 Mental Health + $0 Prescription List)
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Bright Health
Bronze 7200 + Adult Dental & Vision ($0 Telehealth + $0 Primary Care + $0 Mental Health + $0 Prescription List)
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Bright Health
Bronze $0 Medical Deductible ($0 Telehealth + $0 Primary Care + $0 Specialist + $0 Mental Health + $0 Prescription List)
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Bright Health
Catastrophic 8700 ($0 Primary Care)
Coverage Level: Catastrophic
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Bright Health
Bronze 5900
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Bright Health
Silver 3000 ($0 Telehealth + $0 Primary Care + $0 Mental Health + $0 Prescription List)
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Bright Health
Silver 5000 ($0 Telehealth + $0 Primary Care + $0 Mental Health + $0 Prescription List)
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Bright Health
Bronze 5300 HSA
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Bright Health
Bronze 7200 ($0 Telehealth + $0 Primary Care + $0 Mental Health + $0 Prescription List)
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Bright Health
Bronze 8700 + $0 Mental Health ($0 Telehealth + $0 Primary Care + $0 Prescription List)
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Bright Health
Silver 6700 ($0 Telehealth + $0 Primary Care + $0 Specialist + $0 Mental Health + $0 Prescription List)
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Bright Health
Silver $0 Deductible ($0 Telehealth + $0 Primary Care + $0 Mental Health + $0 Prescription List)
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Bright Health
Gold 1000 ($0 Telehealth + $0 Primary Care + $0 Specialist + $0 Mental Health + $0 Prescription List)
Coverage Level: Gold
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Bright Health
Ambetter Balanced Care 29 + Vision + Adult Dental
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Secure Care 20 + Vision + Adult Dental
Coverage Level: Gold
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Balanced Care 32 + Vision + Adult Dental
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Balanced Care 31 + Vision + Adult Dental
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Essential Care: $0 Medical Deductible + Vision + Adult Dental
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Essential Care: $1,500 Medical Deductible + Vision + Adult Dental
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Essential Care 5 + Vision + Adult Dental
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Balanced Care 12 + Vision + Adult Dental
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Essential Care 2 HSA + Vision + Adult Dental
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Secure Care 5 + Vision + Adult Dental
Coverage Level: Gold
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Balanced Care 11 + Vision + Adult Dental
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Essential Care 1 + Vision + Adult Dental
Coverage Level: Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Secure Care 20
Coverage Level: Gold
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Balanced Care 32
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Balanced Care 31
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Balanced Care 30
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Essential Care: $0 Medical Deductible
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Essential Care: $1,500 Medical Deductible
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Essential Care 5
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Balanced Care 29
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Balanced Care 12
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Essential Care 2 HSA
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Secure Care 5
Coverage Level: Gold
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Balanced Care 11
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
Ambetter Essential Care 1
Coverage Level: Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Celtic Insurance Company
UHC Bronze Essential+ (Low Premium)
Coverage Level: Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
UnitedHealthcare
UHC Bronze Value+ ($3 Rx + 3 Free Primary Care & 6 Free Virtual Visits)
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
UnitedHealthcare
UHC Silver Advantage+ Extra ($3 Rx + Dental + Vision + 3 Free Primary Care & 6 Free Virtual Visits)
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
UnitedHealthcare
UHC Silver Value+ ($3 Rx + Unlimited Free Primary Care & Virtual Visits)
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
UnitedHealthcare
UHC Silver Value+ ($3 Rx + 3 Free Primary Care & 6 Free Virtual Visits)
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
UnitedHealthcare
UHC Gold Advantage+ Extra ($3 Rx + Dental + Vision + 3 Free Primary Care & 6 Free Virtual Visits)
Coverage Level: Gold
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
UnitedHealthcare
UHC Bronze Value+ ($3 Rx)
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
UnitedHealthcare
UHC Bronze Value+ (HSA)
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
UnitedHealthcare
UHC Silver Value+ Saver ($3 Rx + 3 Free Primary Care & 6 Free Virtual Visits)
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
UnitedHealthcare
UHC Gold Value+ ($5 Rx)
Coverage Level: Gold
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
UnitedHealthcare
Gold Classic- HSA
Coverage Level: Gold
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Oscar Insurance Company
Bronze Classic- $4700 Ded ($3 Drugs + $0 Virtual Care)
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Oscar Insurance Company
Bronze Classic- $3000 Ded ($3 Drugs + $0 Virtual Care)
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Oscar Insurance Company
Bronze Classic- $0 PCP ($0 Primary Care + $3 Drugs + $0 Virtual Care)
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Oscar Insurance Company
Silver Classic- $0 Ded ($3 Drugs + $0 Virtual Care)
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Oscar Insurance Company
Silver Elite ($3 Drugs + $0 Virtual Care)
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Oscar Insurance Company
Bronze Simple- HSA
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Oscar Insurance Company
Gold Classic ($3 Drugs + $0 Virtual Care)
Coverage Level: Gold
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Oscar Insurance Company
Bronze Elite- $0 Ded+Specialist Saver ($3 Drugs + $0 Virtual Care)
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Oscar Insurance Company
Secure
Coverage Level: Catastrophic
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Oscar Insurance Company
Silver Simple- Specialist Saver ($3 Drugs + $0 Virtual Care)
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Oscar Insurance Company
Silver Classic ($3 Drugs + $0 Virtual Care)
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Oscar Insurance Company
Bronze Elite- $0 Ded+PCP Saver ($3 Drugs + $0 Virtual Care)
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Oscar Insurance Company
Bronze Classic ($3 Drugs + $0 Virtual Care)
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Oscar Insurance Company
Bronze Classic- PCP Saver ($3 Drugs + $0 Virtual Care)
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Oscar Insurance Company
Bronze Simple ($3 Drugs + $0 Virtual Care)
Coverage Level: Expanded Bronze
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
Oscar Insurance Company
Gold G07S $10 PCP Copay + Free Telehealth
Coverage Level: Gold
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
BlueCross BlueShield of Tennessee
Gold G07L $10 PCP Copay + Free Telehealth
Coverage Level: Gold
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
BlueCross BlueShield of Tennessee
Gold G06S $35 PCP Copay + Free Telehealth + Rx Copays
Coverage Level: Gold
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
BlueCross BlueShield of Tennessee
Silver S04L Free Telehealth
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
BlueCross BlueShield of Tennessee
Silver S23S 2 Free PCP Visits + Free Telehealth
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
BlueCross BlueShield of Tennessee
Silver S21S $10 PCP Copay + Free Telehealth
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
BlueCross BlueShield of Tennessee
Silver S21L $10 PCP Copay + Free Telehealth
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
BlueCross BlueShield of Tennessee
Silver S04S Free Telehealth
Coverage Level: Silver
Deductible
per individual
Max Out-of-Pocket
per individual
Office Visit
Network Type
BlueCross BlueShield of Tennessee
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© 2024 HealthMarkets Insurance Agency. All rights reserved.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

HMPLANTNMEMPHISACA1

© 2024 HealthMarkets Insurance Agency. All rights reserved.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

HMPLANTNMEMPHISACA1

© 2024 HealthMarkets Insurance Agency. All rights reserved.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

HMPLANTNMEMPHISACA1