Health insurance options in Memphis
Residents of Memphis and Shelby County buy coverage from two markets: HealthCare.gov, with guaranteed-issue plans from BlueCross BlueShield of Tennessee, Ambetter, Cigna, Oscar, and UnitedHealthcare priced on income, and the private shared-network market, with PPO plans on Cigna, Aetna and PHCS PPO priced on health. Most people in Memphis have only been shown the first.
What it costs in Memphis
A healthy 40-year-old in Memphis pays roughly $550–$850 a month full price on the marketplace in 2026, or roughly $320–$480 on a private PPO. A family of four: roughly $1,500–$2,500 marketplace full price versus $800–$1,300 private. Prices depend on age, deductible and health; see live numbers on the quoting tool.
Keeping your Memphis doctors
Marketplace plans in Tennessee are increasingly HMOs tied to one hospital system. The Cigna, Aetna and PHCS PPO PPO networks include most major providers in Shelby County and work in every state — we check your specific doctors before you enroll.
The Tennessee factor
Tennessee didn't expand Medicaid, so self-employed people with modest incomes can fall in a gap with no subsidy — and Nashville's self-employed music, creative and healthcare workforce is one of the biggest private-plan markets in the South. Tennessee has no state individual mandate.