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Affordable Health Insurance in Memphis, TN

Find health insurance plans in Memphis starting at approximately $468/month. Compare 72+ plans from 3 carriers in Shelby County.

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Health Insurance in Memphis, Tennessee

If you live in the Memphis area, your health insurance options are determined by Shelby County marketplace data. For 2026, the benchmark silver plan premium for a 40-year-old in your county averages $468 per month before any premium tax credits are applied. With 72+ plans available from 3 carriers, comparing your options is essential to finding the right balance of cost and coverage.

Memphis has a population of approximately 630,000 and is home to major employers including FedEx, St. Jude Children's Research Hospital, International Paper. Whether you work for a large employer, run your own business, or are between jobs, a licensed health insurance broker can help you navigate the Memphis market at no additional cost.

Available Health Insurance Carriers

BCBS TN
Ambetter
Oscar

Based on Shelby County 2026 marketplace data.

Coverage Quick Facts

Benchmark Premium

$468/mo

Plans Available

72+

County

Shelby

Carriers

3 carriers

Explore all health insurance options in Tennessee, compare plan types including HMO, PPO, and HDHP, or learn about supplemental dental and vision coverage to complement your major medical plan.

Compare Plans in Memphis

A licensed advisor can walk you through plans in Shelby County — free, no obligation.

Call 866-981-8620

Memphis Health Insurance FAQ

What health insurance companies are in Memphis, TN?

Health insurance carriers serving Memphis in Shelby County for 2026 include BCBS TN, Ambetter, Oscar. Plan availability and pricing vary by county, so the specific plans you can access depend on your ZIP code within the Memphis area.

How much is health insurance in Memphis?

The 2026 benchmark silver plan premium in Shelby County averages approximately $468/month for a 40-year-old before premium tax credits. Your actual cost depends on your age, income, household size, and chosen metal tier. A licensed broker can help you find the most affordable option.

Can I get health insurance in Memphis outside of open enrollment?

Yes, if you qualify for a Special Enrollment Period through a qualifying life event — losing employer coverage, getting married, having a baby, or moving to Memphis. Short-term health plans are also available year-round in most areas as temporary coverage.

How do I enroll in health insurance in Memphis?

You can enroll through the health insurance marketplace or by calling a licensed broker at 866-981-8620. A broker compares all available plans in Shelby County at no extra cost to you, helping you find the right coverage for your budget.

Looking for health insurance in Memphis? Talk to a licensed advisor today.

Call 866-981-8620

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