Tennessee Health Insurance

It’s no secret that a large portion of Tennessee’s workforce relies on strength and physical fitness to do a day’s work. That’s why maintaining good health insurance coverage is paramount to many family’s well being. To make things easier for consumers to get the information they need to keep a good health care policy, The Simple Dollar has compiled essential resources and information that Tennessee residents will find useful.

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Stats in Your State

Getting a grip on the factors that affect health insurance isn’t easy, so we decided to make things simple by putting a number of statistics and information in one place for easy reading. Below readers will get a picture of the health insurance market and how their premiums compare with others in the region.

Chip Medicaid

In 2009 and 2010, more than 800,000 Tennessee residents were enrolled in government-administered health insurance programs. The majority of those residents used Medicaid policies, and thousands of children of low-income families utilized the state’s CHIP plan for health care.

Individual Health Insurance Premiums

With premiums just over $1,000 in 2011, Tennessee workers pay less for health insurance than the average American worker, and considerably less than workers in Alabama, Louisiana, and Kentucky. The numerous service and hospitality jobs in Memphis and Nashville make up a low-risk workforce with lower than average health insurance costs.

Family Health Insurance Premiums

Tennessee families cost nearly the same to insure as the average U.S. family in 2011. At just under $4,000 for 2011, families enjoyed cheaper health care costs than Louisiana and Mississippi, but cost hundreds more per month than families in other Gulf Coast states.

SAHIE Health Insurance Uninsured

By 2010, rising unemployment and difficult economic times put the number of uninsured Tennessee residents at nearly 900,000, according to Census Bureau estimates. The sheer number of residents who must go without health insurance each year emphasizes the need for affordable options across the state.

Rules in Your State

Alcohol and Your Health Insurance: Tennessee Rules

Tennessee’s laws around treatment of alcohol-related disorders present a sort of double-edged sword for recovering alcoholics. While insurers may deny coverage for bodily injuries suffered as a result of intoxication, insurers must offer reasonably priced treatment programs to help people recover from alcohol-related disorders.

Losses Due to Intoxication
Health Insurance Parity for Alcohol-Related Treatment
Tennessee law specifically permits insurers to deny benefits for losses arising from intoxication.
Health insurance coverage in Tennessee must offer treatment of alcohol-related disorders, but are not required to provide the same levels of benefits for alcohol-related disorders as they do for medical and surgical conditions.
Health insurance plans that cover alcohol-related disorders MAY NOT be subject to higher deductibles or higher premiums; however, they may be subject to more restrictive financial limits on lifetime treatment for alcohol-related disorders than for medical and surgical coverage.


Read up on health insurance statutes here.

Representatives & Resources in Your State

Below readers will find links to government resources and informational guides to help them learn more about health insurance in Tennessee. Contact these agencies for consumer guides, industry information, details on legislation and the industry’s regulations, and for consumer advocacy and assistance on difficult insurance issues.

Tennessee Department of Commerce and Insurance
Insurance Division
500 James Robertson Parkway
Nashville, TN 37243
(615) 741-2218
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Contact Information
Consumer Complaint Resource
Consumer Brochures and Information
The Insurance Division provides numerous consumer brochures on all things related to insurance; look up the guides you need at their website.

TennCare: Tennessee Children’s Health Insurance Program (CHIP)
310 Great Circle Rd.
Nashville, TN 37243
Contact Information
The Children’s Health Insurance Program provides health coverage for the children of thousands of low-income families across the state of Tennessee.

Tennessee Department of Human Services
400 Deaderick Street, 15th Floor
Nashville, TN 37243-1403
(615) 313-4700
Contact Information
The Department of Human Services provides essential services to thousands of Tennessee residents who cannot help or support themselves, including children of low-income families, disabled persons, seniors, and other people in need.