Health insurance in Memphis: 2027 Marketplace plans
In Shelby County, TN, there are 68 plans from 4 insurers: Ambetter of Tennessee, Oscar Insurance Company, UnitedHealthcare and BlueCross BlueShield of Tennessee.
Bronze · 24
Silver · 26
Gold · 18
Example: a 40-year-old earning $31,920 a year (200% of the federal poverty level) gets a tax credit of about $544 a month. With it, the cheapest plan at each level costs:
In ZIP code 38104, the one with the most doctors in Memphis, 12.5% of residents have no health insurance and 5.5% are Hispanic (Census Bureau, ACS ACS 2024 5-year).
Census data · Memphis · ZIP 38104
Official demographics of the coverage area · ACS 2024 5-year
22,634
Total population
12.5%
Uninsured rate
No health coverage (ACS B27010)
$58,117
Median income
19,013
Population under 65
ACA-eligible age range
5.5%
Hispanic population
Source: US Census Bureau · ACS 5-year (Census Reporter)
Frequently asked questions about health insurance in Memphis
How many insurers sell Marketplace plans in Memphis?
For 2027, 4 insurers offer 68 plans in Shelby County: Ambetter of Tennessee, Oscar Insurance Company, UnitedHealthcare and BlueCross BlueShield of Tennessee.
How much does health insurance cost in Memphis?
It depends on age, income and household. As an example, for a 40-year-old earning $31,920 a year (200% of the federal poverty level) the cheapest plan costs $0.00 a month after a tax credit of about $544 a month.
Are there $0 plans in Memphis?
Yes, for some households. In the example (a 40-year-old earning $31,920 a year (200% of the federal poverty level)) there are Bronze plans with a $0 monthly premium. A $0 premium usually comes with a higher deductible, so compare before choosing.