Tennessee
US Insurance Solutions Offers Tennessee Health Insurance Plans at the Lowest Rates Available!
****SPECIAL NOTICE – Read our Annual Federal and Tennessee Market Updates****
In Tennessee we can help with health insurance solutions for individuals and families as well as small businesses.
For individuals and families, we offer:
- Alternative Health Plan Solutions
- ACA/Obamacare Plans
For small businesses, we offer:
- Alternative Level Funded Small Group Plans
- ACA/Obamacare Small Group Plans
Note: If you would like to discuss your health insurance options, please go to the link above with the image that says CALL ME and schedule a call with me on a day and time that works for you, and I will call you to review your options
The following contains more information about all health plan options that we can provide.
Alternative Health Plan Package Solutions for Individuals and Families
In most cases we can design a comprehensive alternative health plan package with much lower out of pocket costs on most services for 20-40% LESS than high deductible, narrow network ACA/Obamacare plans.
If you are relatively healthy and don’t qualify for a tax credit subsidy to help pay for an ACA/Obamacare plan, or if you just want to design a better plan for yourself than the “one size fits all” ACA/Obamacare plans, let us help you.
Fixed Benefit Plans:
In Tennessee we work with the following companies to provide the highest coverage Fixed Benefit plans available. Because of the change to Short Term Medical plans noted below, we will no longer combine these Fixed Benefit plans with both Short Term Medical plans (see following), but will still combine them with supplemental health plans (see US Supplemental Coverage) to help create a more comprehensive coverage package at a competitive price.
Philadelphia American Life | |
ManhattanLife |
Short Term Medical Plans:
IMPORTANT UPDATE: A new federal rule finalized on September 1, 2024 limits the maximum term on Short Term Medical plans to 4 months! Because of this change we will no longer combine these plans with Fixed Benefit plans (see above) and supplemental health plans (see US Supplemental Coverage). However, we will continue to offer Short Term Medical plans from the same top companies.
In Tennessee we work with the following companies to provide the best available Short Term Medical plans.
Allstate Health Solutions | |
Pivot Health | |
United Healthcare |
Please see our health insurance quote page to access the quote pages and run preliminary quotes for the above company’s plans.
Off Exchange, ACA Compliant Major Medical Plans:
We now offer two programs that include multiple ACA compliant major medical plans. These plans can be a better option for people who are reasonably healthy and make too much money to qualify for a significant tax credit subsidy to buy an ACA/Obamacare plan on the state Health Plan Finder exchange. In Tennessee we have both plans available. Here are some of the highlights:
- Traditional Major Medical plans fully compliant with ACA rules and regulations
- Up to Six different deductible options and one or two HSA qualified plans to choose from
- Maximum out of pocket limits that are $1,850 LESS than ACA/Obamacare 2025 limits on non-HSA plans. $1,500 less on HSA plans.
- Cigna or Blue Cross Blue Shield nationwide PPO networks
- Plans available year round
- Rate is locked for 12 months
- Plans are health underwritten. One is accept/reject. The other has final rates that can be rated up or down based on health or person can be declined
ACA/Obamacare Plans for Individuals and Families
In Tennessee ACA/Obamacare plans are available through the Federal Marketplace. Insurance companies offering plans vary by county. We work with the following insurance companies in this state:
Ambetter | |
Blue Cross Blue Shield of Tennessee | |
Bright Health | |
Cigna | |
Oscar Health Plans | |
United Healthcare | |
Ascension/US Health and Life no longer offers coverage |
ACA/Obamacare Individual and Family Plan Quotes
Federal Marketplace |
In Arizona ACA/Obamacare plans are available on the Federal Marketplace. Please see our ACA/Obamacare Individual Plans Quote Page to run quotes on the Federal Marketplace.
Alternative Level Funded Small Group Plans
For small businesses with fewer than 50 employees, the ACA/Obamacare law applies the same rules to group health insurance plans as it does to individual plans. As a result, businesses that may have younger, healthier people to cover on a group health plan, the ACA/Obamacare fully insured group plans may not be the best option.
Therefore, we offer these companies the choice of going with an alternative level funded health plan. A level funded health plan allows a business to custom design their health benefits. Monthly premiums are fixed just like with an ACA/Obamacare plan. However, premiums on a level funded plan are typically at least 15-20% less than the same plan design on an ACA/Obamacare plan. Plus, in most years with average to below average usage of the plan, there is an opportunity to receive an additional refund at the end of each plan year.
In Tennessee we work with the following companies to provide the best available level funded health to meet your specific needs and budget:
Allstate Benefits Group | |
Allied National | |
Trustmark Small Business Benefits | |
United Healthcare |
Note: We are continuing to look for new companies offering alternative health plan options for small businesses. Because of that we may have other options in addition to the companies listed above.
ACA/Obamacare Small Group Plans
For small businesses with fewer than 50 employees that don’t qualify for a level funded health plan (above) for any reason, we can help with an ACA/Obamacare small group health plan.
In Tennessee we work with the following companies to provide the best available ACA/Obamacare small group health plan to meet your specific needs and budget:
Aetna has been committed to providing individuals, families and businesses with innovative health insurance products and services since 1853. |
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Blue Cross Blue Shield of TN is the states oldest and largest not-for-profit health plan, serving nearly 3 million Tennesseans. Founded in 1945, the company is focused on financing affordable health care coverage and providing peace of mind for all Tennesseans. |
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Cigna is a global health services company dedicated to helping people improve their health and well being.They provide health care and related benefits to individuals and businesses. |
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Humana offers health and supplemental insurance plans to serve all types of individuals and families. They are committed to customer service and innovation to deliver results for their customers. |
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UnitedHealthcare is the nation’s largest insurer. Their individual insurance products are offered by UnitedHealthcare Life Insurance Company and Golden Rule Insurance Company.Their health, dental and vision plans take advantage of the UnitedHealthcare network of providers for quality care at significant savings. These networks and providers are available all over the United States. |