Health Insurance 101

To see all rate increases across companies and throughout the state, please visit the HealthCare.gov website. 

• Tennessee ACA Carrier Presentations
  • Disclaimer:  The Tennessee Department of Commerce and Insurance does not endorse or promote any of the following information nor recommend any plan for purchase.  The information provided is the content of the carrier alone and is made available for informational purposes only.
    
    • Alliant Presentation [pdf archive]
    • Ambetter Presentation [pdf archive]
    • BlueCross BlueShield Presentation [pdf archive]
    • Cigna Presentation [pdf archive]
    • Oscar Presentation [pdf archive]
    • United Healthcare Presentation [pdf archive]

Tennessee Department of Commerce and Insurance
Policy Analysis Section
500 James Robertson Pkwy, 6th Floor
Nashville, TN 37243-1130

• ACA Carrier Map [pdf]
  • Rating Area 1: BlueCross Blue Shield of Tennessee, Celtic-Ambetter, Cigna
  • Rating Area 2: BlueCross Blue Shield of Tennessee, Celtic-Ambetter, Cigna, United Healthcare
  • Rating Area 3: BlueCross Blue Shield of Tennessee, Celtic-Ambetter, Cigna, United Healthcare, Alliant
  • Rating Area 4: BlueCross Blue Shield of Tennessee, Celtic-Ambetter, Cigna, Oscar, United Healthcare
  • Rating Area 5: BlueCross Blue Shield of Tennessee, Celtic-Ambetter, Cigna, United Healthcare
  • Rating Area 6: BlueCross Blue Shield of Tennessee, Celtic-Ambetter, Cigna, Oscar, United Healthcare
  • Rating Area 7: BlueCross Blue Shield of Tennessee, Celtic-Ambetter, United Healthcare
  • Rating Area 8: Bluecross Blue Shield of Tennessee, Celtic-Ambetter, Oscar, United Healthcare 
• Individual Carriers
• Small Group Carriers

• COBRA Premium Reduction Fact Sheet (U. S. Department of Labor)

• Dental Insurance Companies offering plans in Tennessee

• Long-Term Care Companies [pdf]
• Long-Term Care Partnership Companies [pdf]
• Long-Term Health Insurance Policies Rate Changes 
• Consumer Guide

• A Guide to Health Insurance for People with Medicare [pdf]
• Medicare Advantage Plan Marketing Guidelines [pdf]
  • NOTE: This document explains the guidelines for the promotional and marketing activities of Medicare Plan agents.
• Medicare Supplement Companies [pdf]
• Medicare Supplement Rates

• 2026 Mental Health Parity Report [pdf]
• 2025 Mental Health Parity Report [pdf archive]
• 2024 Mental Health Parity Report [pdf archive]
  
• NAMI Tennessee
• TAADAS
• TN Department of Mental Health and Substance Abuse Services
• Addiction Rehab Treatment

NAIC System for Electronic Rate and Form Filing (SERFF)

• SERFF Filing Access

• Health Care Service Utilization Review Companies