2027 marketplace changes in Tennessee

Which insurance companies are leaving the Tennessee marketplace in 2027

Who is leaving, what's left in your county, and what to do before the deadline. Last checked October 5, 2026.

The short answer

One insurance company is leaving the Tennessee marketplace for 2027.

Cigna (confirmed). Cigna is leaving the individual market in Tennessee on January 1, 2027, on and off the marketplace, as part of the nationwide exit it announced in April 2026. In 2026 it sold marketplace plans in 65 of Tennessee's 95 counties. source

Altogether, 65 of Tennessee's 95 counties lose at least one marketplace insurer.

A Johnson City example, and the PPO question

Say you cut hair from a rented chair in Johnson City, and you've been on a Cigna EPO because your doctors were in it. Three companies will still sell in Washington County. Each one runs its own network, and the doctor you see at a Johnson City clinic may take one company's plans and not another's. Ask each office which plans it will take for 2027, then pick before December 15 so the new plan starts on January 1.

Cigna's Tennessee plans were EPOs, and the marketplace here had no PPO plans at all in 2026. So nobody in Tennessee is losing a marketplace PPO, because there wasn't one to lose. If you're healthy, earn too much for the tax credit and want a network that travels with you, you can still get a PPO through me, a nationwide private plan that asks health questions up front.

What's left in your county

These are the 65 Tennessee counties where at least one marketplace insurer is leaving. For each one you can see who's leaving, how many marketplace insurers are left, and which ones.

The Tennessee marketplace had no PPO plans in 2026, so none of the exits takes a PPO away; you just have fewer HMO, EPO and similar plans to pick from.

See every county that loses an insurer

County	Insurer leaving	Insurers left	Who's left (2026 plans)	Marketplace PPO after
Anderson	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Benton	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Bledsoe	Cigna	4	Alliant Health Plans, Inc.; Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Blount	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Bradley	Cigna	4	Alliant Health Plans, Inc.; Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Campbell	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Carroll	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Carter	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Cheatham	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Chester	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Claiborne	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Cocke	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Crockett	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Davidson	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Decatur	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Dyer	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Fayette	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Franklin	Cigna	4	Alliant Health Plans, Inc.; Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Gibson	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Grainger	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Greene	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Grundy	Cigna	4	Alliant Health Plans, Inc.; Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Hamblen	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Hamilton	Cigna	4	Alliant Health Plans, Inc.; Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Hancock	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Hardeman	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Hardin	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Hawkins	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Haywood	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Henderson	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Henry	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Jefferson	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Johnson	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Knox	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Lake	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Lauderdale	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Loudon	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Madison	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Marion	Cigna	4	Alliant Health Plans, Inc.; Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
McMinn	Cigna	4	Alliant Health Plans, Inc.; Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
McNairy	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Meigs	Cigna	4	Alliant Health Plans, Inc.; Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Monroe	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Montgomery	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Morgan	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Obion	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Polk	Cigna	4	Alliant Health Plans, Inc.; Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Rhea	Cigna	4	Alliant Health Plans, Inc.; Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Roane	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Robertson	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Rutherford	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Scott	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Sequatchie	Cigna	4	Alliant Health Plans, Inc.; Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Sevier	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Shelby	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Sullivan	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Sumner	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Tipton	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Trousdale	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Unicoi	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Union	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Washington	Cigna	3	Ambetter (Centene); BlueCross BlueShield of Tennessee; UnitedHealthcare	No
Weakley	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Williamson	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No
Wilson	Cigna	4	Ambetter (Centene); BlueCross BlueShield of Tennessee; Oscar; UnitedHealthcare	No

County data: CMS 2026 marketplace plan data source. Insurers are counted by company, and the table uses each company's 2026 service area, so a company that enters or expands for 2027 isn't counted yet. I'll update it when the 2027 plan list publishes in late October.

What happens to your plan

When an insurance company leaves, your plan doesn't stop overnight. It runs through December 31, 2026, and the company has to tell you in writing first. Federal rules require at least 90 calendar days notice when a company drops a plan, and at least 180 calendar days when it leaves a state's individual market entirely. If your company is leaving and you haven't seen that letter, call the company and ask for it.

What happens next is the part people get wrong. If no plan from your company is left on the marketplace, the federal rule (45 CFR 155.335) says the marketplace may move you to a plan from a different company. It doesn't say it will. The move has to fit state law, it follows the state regulator's direction, and without that direction the marketplace picks a "similar" plan. Nothing in that rule checks your doctors or your prescriptions.

If you bought your plan straight from the company, off the marketplace, the marketplace's re-enrollment rule doesn't reach you at all. You need to pick a new plan yourself.

Open enrollment on HealthCare.gov starts November 1. By then you should get 2 letters: one from your current company and one from the marketplace. The marketplace letter tells you which plan, if any, you'll be moved into if you do nothing by December 15. HealthCare.gov is plain that in some cases you won't be automatically re-enrolled.

Pick by December 15 and your new plan starts January 1. Pick between December 16 and January 15 and it starts February 1, which leaves January uncovered if your old plan ended December 31.

Miss open enrollment and you may still have a way in. Losing a plan because it's discontinued is on HealthCare.gov's list of qualifying events, and the federal rule gives you 60 days before and 60 days after the day your old coverage ends to pick a new plan. Don't build your plan around that window. Confirm you qualify before you count on it.

What to do now

Here's how I'd think about it, depending on where you are. Each path ends the same way: a call with me before the deadline.

Scenario 1 of 2

Your income qualifies you for help with the premium

If your household income qualifies you for the premium tax credit, the marketplace is usually where your most affordable coverage is, because that's the only place the credit can be used. So don't let the marketplace pick for you. Re-shop before December 15, look at every company still selling in your county, and check your doctors and prescriptions against the network of the plan you choose, not the one you had.

Next step: Send me your doctors, your prescriptions and your income estimate, and I'll help you pick the right Tennessee marketplace plan before the deadline.

Talk it through with Sam → Call 813-999-0101

Scenario 2 of 2

You pay full price and you're healthy

If you earn too much for the credit, you're paying the full marketplace price, and now you're paying it for whatever is left in your county. You have another option. Private plans with medical underwriting run on nationwide PPO networks and are priced on your health, which is how the price for a healthy person can come in under the marketplace's full rate. They ask health questions up front, and the company can decline you or leave out a past condition, so we go through the details together before you choose.

Next step: Call me and I'll price a nationwide PPO for your household next to the Tennessee marketplace plans in your county.

Talk it through with Sam → Call 813-999-0101

You can still get a nationwide PPO in Tennessee

Whatever the marketplace looks like in your county, you can still get a nationwide PPO in Tennessee through me. The Tennessee marketplace had no PPO plans in 2026, so none of the exits takes a PPO away; you just have fewer HMO, EPO and similar plans to pick from.

Private PPO plans with medical underwriting use networks that work across the country, and for a healthy person who pays full price on the marketplace, they're often worth pricing. I'm licensed in 36 states, and Tennessee is one of them.

Questions about insurers leaving Tennessee

Straight answers, no sales pitch.

Which insurance companies are leaving the Tennessee marketplace in 2027?

Cigna (confirmed). Altogether, 65 of Tennessee's 95 counties lose at least one marketplace insurer.

If my insurance company leaves, will I be moved to a new plan automatically?

Maybe, but don't count on it. The federal rule says the marketplace may move you to a similar plan from a different company, as state law and your state regulator allow. HealthCare.gov says that in some cases you won't be automatically re-enrolled, and if you bought off the marketplace, nobody moves you. Pick your own plan.

What's the deadline to pick a new Tennessee plan for 2027?

On HealthCare.gov, pick by December 15 for coverage that starts January 1. Open enrollment runs to January 15, but a plan picked after December 15 starts February 1.

Can I still get a PPO in Tennessee?

Yes. You can still get a nationwide PPO in Tennessee through me. The Tennessee marketplace had no PPO plans in 2026, so none of the exits takes a PPO away; you just have fewer HMO, EPO and similar plans to pick from.

Sources

Cigna sold individual marketplace plans in 65 of 95 Tennessee counties in 2026 (CMS 2026 plan data, counted by company) source
Cigna is leaving the individual market in Tennessee on January 1, 2027, on and off the marketplace, as part of the nationwide exit it announced in April 2026. source
After the confirmed and reported exits, 65 of 95 Tennessee counties lose at least one marketplace insurer and 0 are left with one, counting the 2026 plans of the companies that stay (CMS 2026 plan data) source
Tennessee marketplace PPO plans in 2026: 0 of 95 counties; after the confirmed exits: 0 (CMS 2026 plan data) source
HealthCare.gov says that by November 1 you should get 2 letters, one from your current insurance company and one from the Marketplace, and that in some cases you won't be automatically re-enrolled source
45 CFR 155.335(j)(3): when no plans from the same insurer are available, the Exchange "may enroll the enrollee in a QHP issued by a different issuer, to the extent permitted by applicable State law", as the state regulator directs or, if it does not, "in a similar QHP from a different issuer, as determined by the Exchange" source
HealthCare.gov open enrollment starts November 1; enroll by December 15 for coverage that starts January 1, or December 16 to January 15 for coverage that starts February 1 source
45 CFR 155.420: losing coverage is a triggering event, the loss date is the last day of the old plan's coverage, and the person has 60 days before and 60 days after it to pick a new plan source
HealthCare.gov lists "Your individual plan or your Marketplace plan is discontinued (no longer exists)" as a qualifying event for a special enrollment period source
45 CFR 147.106: an insurer that drops a product must give written notice at least 90 calendar days before coverage ends; one that leaves a state's individual market entirely must give at least 180 calendar days notice and cannot return to that market for 5 years source
Cigna sold 2026 Tennessee marketplace plans in 65 counties; after it goes, 24 of them keep 3 marketplace companies and 41 keep 4, and none is left with just one (CMS 2026 plan data, counted by company) source
The 24 Tennessee counties that drop to 3 marketplace companies are all in East Tennessee, among them Knox, Sullivan, Washington, Carter, Sevier, Hamblen, Greene and Blount (CMS 2026 plan data, counted by company) source
Davidson, Shelby, Hamilton, Montgomery, Rutherford, Williamson and Madison counties each had 5 marketplace companies in 2026, Cigna among them, and keep 4 (CMS 2026 plan data, counted by company) source
Cigna's 2026 Tennessee marketplace plans were EPO plans (CMS 2026 plan data) source
Putnam, Cumberland, Maury and Coffee counties had no Cigna marketplace plans in 2026 (CMS 2026 plan data) source

Last checked October 5, 2026. I update this page when the 2027 plan list publishes in late October.

Got a letter? Bring it to the call.

Tell me your county, who's on your plan and what your letter says. I'll show you what's left on the Tennessee marketplace, price a nationwide PPO next to it, and help you pick before the deadline. I'm licensed in 36 states and work by phone.

Book a free call → Call 813-999-0101 Send a message