Memphis Health Insurance Costs
Average benchmark Silver plan in Memphis runs $402/month for a 40-year-old before subsidies. After ACA tax credits, most residents pay much less.
Top Memphis Carriers
We compare every major carrier serving Memphis ZIP codes in real time.
Major Memphis Hospitals We Cover
We verify your preferred hospital is in-network before you enroll. Out-of-network bills can be 3-5× higher.
Memphis Open Enrollment 2027
Open enrollment for 2027 coverage runs November 1, 2026 – January 15, 2027. Outside that window, Memphis residents need a qualifying life event to buy or switch a marketplace plan.
| 2027 Open Enrollment | Date |
|---|---|
| Open Enrollment opens | November 1, 2026 |
| Last day to enroll for coverage starting January 1 | December 15, 2026 |
| Open Enrollment closes (coverage starts February 1) | January 15, 2027 |
Most Memphis residents live in Shelby County, where plan choices and prices are set by county and ZIP code. Tennessee uses the federal marketplace, HealthCare.gov. A 2025 rule that would have ended enrollment on December 15 was struck down — here is why the deadline is January 15.
What changes for Memphis enrollees in 2027
- Smaller credits, and a cliff at 400%. With the enhanced credits gone, a single adult in Memphis earning $35,000 is expected to pay about $219/mo toward the benchmark Silver plan in 2027 (credit $183/mo). Earn over $63,840 and there is no credit at all, so at today's $402 benchmark you would pay full price — see what else changed.
- Compare before you renew. If you do nothing you are usually re-enrolled, but BlueCross BlueShield of TN and other Memphis carriers can change premiums, networks and drug lists for 2027. Shop again before December 15, and update your 2027 income estimate so you are not repaying credit at tax time.
- Medicaid: Tennessee has not expanded Medicaid. Marketplace tax credits start at 100% of the poverty level (about $15,960 for a single adult); below that, adults can fall into a coverage gap — a licensed agent can walk you through options.
Estimated 2027 tax credit for a single adult in Memphis
Based on Memphis's current benchmark Silver estimate of $402/month for a 40-year-old and the IRS 2027 contribution percentages:
| Single adult income | % of poverty level | Your 2027 share | Est. tax credit | Benchmark Silver after credit |
|---|---|---|---|---|
| $25,000 | 157% | 4.63% of income ($96/mo) | $306/mo | $96/mo |
| $35,000 | 219% | 7.51% of income ($219/mo) | $183/mo | $219/mo |
| $45,000 | 282% | 9.66% of income ($362/mo) | $40/mo | $362/mo |
| $55,000 | 345% | 10.22% of income ($468/mo) | $0/mo | $402/mo |
| $65,000 | 407% | No credit above 400% | $0 | $402/mo |
2027 premiums post on November 1, so your exact credit will differ. Ages, household size and ZIP code all change the number — try the subsidy calculator or get an exact quote.
Before you pick a Memphis plan
- Your hospital: confirm Methodist Le Bonheur, Baptist Memorial or St. Jude Children's is in the plan's network — networks differ even between plans from the same company.
- Carriers: companies that have sold marketplace plans in Memphis include BlueCross BlueShield of TN, Cigna, Ambetter and Bright Health; the 2027 lineup is confirmed when plans post on November 1.
- Total yearly cost: add 12 months of premium to the deductible and copays you expect — use our printable comparison worksheet.
Free help enrolling in Memphis
A licensed TrustedQuotes agent can compare every Memphis plan, check your doctors and prescriptions, and estimate your 2027 credit at no cost to you — call (954) 805-7882. If you prefer, free in-person help near you is listed at HealthCare.gov's Find Local Help.
More for Tennessee: Tennessee Open Enrollment 2027 Tennessee marketplace plans 2027 Open Enrollment guide Health insurance in Nashville Health insurance in Chattanooga Health insurance in Knoxville
Memphis Health Insurance FAQ
When is open enrollment in Memphis for 2027?
Where do Memphis residents sign up for 2027 health insurance?
Can I still get a subsidy in Memphis in 2027?
How much does health insurance cost in Memphis?
What hospitals are in network in Memphis?
Who are the top insurance carriers in Memphis?
Can I get coverage in Memphis year-round?
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