Compare ACA marketplace plans, private insurance, and local carrier options available to Memphis residents in 2026. Licensed brokers help you find the lowest rate.
Get Your Memphis Quote →Living in Memphis gives you access to all plans available statewide on HealthCare.gov, plus direct-purchase private plans from major Tennessee carriers. Since Tennessee has not expanded Medicaid, ACA subsidies are the most important cost-saving tool for Memphis residents.
Enroll during Open Enrollment (Nov 1 – Jan 15) or during a Special Enrollment Period. Tax credits based on your income can make Silver plans extremely affordable.
Available year-round directly from carriers. Good for those who don't qualify for subsidies or need immediate coverage outside open enrollment.
Temporary plans to bridge a gap. Lower cost but limited benefits — not a substitute for comprehensive coverage.
| Carrier | Rating | Est. Monthly Premium |
|---|---|---|
| BCBS of Tennessee | ★★★★★ | $400–$455/mo |
| Oscar Health | ★★★★☆ | $365–$420/mo |
| Ambetter | ★★★☆☆ | $310–$368/mo |
Premiums for a 40-year-old non-smoker in Memphis, TN before subsidies.
Our licensed TN brokers shop every plan available in Memphis and find your exact subsidy amount. Takes under 5 minutes.
Get Free Memphis Quotes →The benchmark Silver plan in Memphis averages approximately $415/month before ACA subsidies. With tax credits (available to households earning 100–400% of the federal poverty level), many Memphis residents pay $0–$150/month.
BCBS of Tennessee is consistently top-rated in Tennessee for network size and member satisfaction. However, the best plan for Memphis residents depends on your preferred doctors, prescription needs, and income level.
Yes — licensed brokers at TrustedQuotes can enroll you in any plan available in Memphis at no extra cost. The broker fee is paid by the insurance company, not you.
Hospital networks vary by carrier. Before enrolling, ask your broker to verify that your preferred Memphis hospital and doctors are in-network. This is the most common source of surprise bills.