The Self-Employed Person's Guide to Health Insurance in Tennessee

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Stop Guessing. Start Understanding.

Most self-employed people in Tennessee are either overpaying for a plan they don't fully understand, or underinsured because they didn't know better options existed. This guide closes that gap.

Who this guide is built for:

What's inside:

• The Three Lanes — ACA marketplace, employer options, and medically underwritten private PPO plans. What each one is, who it's right for, and when to use it.
• The 4 Numbers that define every plan — premium, deductible, coinsurance, and out-of-pocket maximum. How they work together, and what to compare first.
• 5 mistakes we see every year — including why some people pay full ACA price when they don't have to, and why "cheap" plans often cost more in practice.
• A private PPO comparison — plain-language side-by-side of what private PPO plans offer versus ACA plans: networks, underwriting, premiums, flexibility.
• What to expect working with us — exactly how a review call works, what we compare, and what you walk away with.

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