About Tennessee Coverage Finder

What we do

Tennessee Coverage Finder explains how ACA Marketplace and Medicare Advantage coverage works in Tennessee, broken down by county, city, and industry, so you can walk into a quote or enrollment conversation already understanding your options. That includes plain-language guides to plan types (HMO vs. PPO), subsidy and cost mechanics, Medicare Advantage carrier availability, small business obligations under the ACA employer mandate, and industry-specific coverage patterns for everything from restaurants to law firms. We are not an insurance company, and we don't sell policies directly — every guide on this site exists to make the eventual conversation with a licensed agent faster and more informed, not to replace it.

The site covers Tennessee's largest cities and counties, plus more than 20 industries, with the goal of giving small business owners and individual shoppers alike a starting point that's actually specific to their situation rather than a generic national overview.

We update pages as plan years change and as carriers adjust network and pricing details, but insurance is a fast-moving market — a page that was accurate in one Open Enrollment period can be outdated by the next, which is part of why every guide on this site points back to getting a live quote rather than treating any single number as final.

How we approach accuracy

Where this site states a fact — an Open Enrollment date, an ACA employer mandate threshold, a Medicare Advantage enrollment window — we've sourced it from the relevant federal or state authority (HealthCare.gov, CMS, or the Tennessee Department of Commerce and Insurance) at the time the page was written. Where this site describes something less fixed, like typical premium ranges or how a specific industry's workforce tends to be structured, we've tried to be explicit that it's a general pattern rather than a guarantee for your specific business or household. If you ever find something on this site that contradicts current official guidance, please use the Contact page to flag it — we'd rather fix it than leave it.

Who's behind this site

Tennessee Coverage Finder is published by Cam Health Services LLC. Quote requests submitted through this site are followed up on by Cameron Erwin, a licensed Tennessee insurance agent (TDCI License #3004250804, NPN 22209841). If you'd like to verify this license before working with us, Tennessee license status can be checked through the Tennessee Department of Commerce and Insurance. See the full About the Agent page for credentials and what it means when a guide on this site is marked reviewed by Cameron.

What we're not

We are not the federal government, HealthCare.gov, or the State of Tennessee, and we're not affiliated with any of them, including TennCare. Nothing on this site is official guidance, and plan pricing, availability, and rules change frequently — always confirm details directly with a carrier, a licensed agent, or the official Marketplace before enrolling. Where this site cites figures like average premiums or enrollment periods, treat them as a starting estimate rather than a quote; your actual price depends on your age, ZIP code, household size, income, and the specific plan and carrier you choose.

How this site makes money

This site is free to use. When we connect visitors with licensed Tennessee insurance agents, those agents are compensated by insurance carriers under standard commission arrangements — never by charging you a fee. Getting a quote through a referral from this site does not cost more than getting one directly from a carrier or through HealthCare.gov. See our Privacy Policy for details on what information is collected when you request a quote and how it's shared with agents.