Health Insurance Memphis: Affordable Plans for the Bluff City

Health insurance Memphis families can afford is out there, but it takes careful shopping. Vivna is an independent, licensed agency that checks plans from 50+ carriers at no charge. Because we work for you, our advice stays free of any carrier pressure.

Roughly one in six Memphians under 65 has no health coverage. Many of them, in fact, work hard in logistics, hospitals and hospitality. So call 888-730-6001, and a licensed agent will check savings and plans for your Shelby County ZIP code.

  • County: Shelby County, where Memphis is the county seat
  • Population: about 610,000 residents, second-largest in Tennessee
  • Uninsured under 65: about 17 percent of residents
  • Major hospital systems: Methodist Le Bonheur, Baptist Memorial, Regional One Health
  • Products we quote: Marketplace, short-term, tri-term, dental, vision, life, supplemental

Let us find health insurance Memphis prices that fit your budget. Request a free Memphis quote or phone 888-730-6001.

Why Memphis Families Call Vivna

Health insurance Memphis workers buy often has to stretch every dollar. That is exactly where an agent earns trust. For example, many lower-income workers qualify for large tax credits but never apply.

Plans also change each fall, so last season's pick may not fit now. Notably, Cigna is leaving the Tennessee Marketplace, so its members must choose again. Vivna holds a BBB A+ rating and U.S. Chamber of Commerce membership. Talk to us free at 888-730-6001.

Savings Checks Come First

Before we quote anything, we check for TennCare, CoverKids and tax credits. That way, you never overpay.

Carrier Choice Without the Runaround

We compare carriers such as BlueCross BlueShield of Tennessee, Ambetter, Oscar and UnitedHealthcare where they serve your ZIP code. So, you see each price in one place.

Plain Talk About Costs

Deductibles and copays matter as much as premiums. Therefore, we explain what a hospital stay or ER visit would really cost.

Start Your Free Memphis Review

Ready to cut through health insurance Memphis confusion? Call 888-730-6001 or tell us about your household.

Plan Types for Memphis Households

Health insurance Memphis residents use usually comes from five places. The right one depends on income, health and how long you need coverage, so we start there. Here is a simple breakdown for Shelby County.

Marketplace Coverage With Tax Credits

Tennessee uses HealthCare.gov, so Memphis residents enroll in federal Marketplace plans. These plans take everyone, regardless of health history. Also, tax credits start for incomes at the poverty line.

  • Sign-ups open each November 1
  • Silver plans can carry extra cost-sharing help
  • Losing other coverage can open a 60-day window

See our Marketplace plan basics and our low-income coverage guide.

Short-Term Bridge Plans

In Tennessee, short-term terms run 1 month to just under 12 months; ask an agent for options. Consequently, UnitedHealthcare short-term plans can bridge a job change or a waiting period. Still, they are not ACA plans and may exclude pre-existing conditions.

Visit our short-term health plan page for details.

Tri-Term Plans for Multi-Year Gaps

Tennessee also permits UnitedHealthcare tri-term coverage. TriTerm Medical offers nearly 3 years of coverage over three terms with one application; premiums may change. As a result, one application covers the whole span. Learn more on our tri-term insurance page.

Dental, Vision, Life and Cash Benefit Plans

Beyond medical care, extras can protect both your health and your wallet.

TennCare and CoverKids in Shelby County

Tennessee has not expanded Medicaid. Even so, TennCare covers children, pregnant women, people with disabilities and many low-income parents. Meanwhile, CoverKids serves children in families earning up to 255 percent of poverty.

Memphis Costs and Coverage Gaps

Premiums depend on age, income, tobacco use and plan level. For example, tax credits can reach single adults earning about $15,960 to $63,840. However, adults below the poverty line without children often fall into a coverage gap.

If that sounds like you, call 888-730-6001. We will review every low-cost option in Memphis.

Get Matched to the Right Plan

Unsure which health insurance Memphis plan fits your family? Phone 888-730-6001 for a free side-by-side, or request pricing online.

Memphis Hospitals and Doctor Networks

After all, a plan only helps if it covers your hospital. For that reason, health insurance Memphis shoppers should check networks first. We do that before you enroll.

Memphis has several large systems, and plans often favor one over another. Call 888-730-6001, and we will look up each doctor and hospital you use.

Methodist Le Bonheur Healthcare

Methodist University Hospital is the flagship of this system. Also, Le Bonheur Children's Hospital serves families across the Mid-South.

Baptist Memorial Health Care

Baptist Memorial Hospital-Memphis is the system's main local hospital. In addition, Baptist Memorial Hospital for Women focuses on maternity and women's care.

Regional One Health and St. Jude

Regional One Health rounds out the city's major hospitals. Likewise, St. Jude Children's Research Hospital is based in Memphis, so families should ask how referrals work.

Search Your Network Now

Use our network search for doctors and hospitals to check any provider. Next, read our guide to lowering costs with networks. Then call 888-730-6001 so we can match health insurance Memphis plans to your doctors.

Health Insurance Memphis Logistics and Service Workers Need

FedEx, rail lines, the river port and trucking make Memphis a freight capital. Yet many people here need health insurance Memphis employers do not supply. Contract drivers and part-time staff often go without.

Still, help is closer than you think. Call an agent at 888-730-6001 to review your choices.

FedEx Hub and Warehouse Workers

FedEx is the city's largest employer, with its global air hub at the airport. However, part-time shift workers may not get benefits. Our part-time worker coverage guide explains your options.

Truck Drivers and Owner-Operators

Five major freight railroads and busy interstates feed Memphis warehouses. Long-haul and local drivers can read our truck driver coverage guide for plans that travel well.

Hospital and Service Workers

Hospitals, Beale Street venues and restaurants also employ thousands. However, many service jobs offer little or no coverage. Our income-based coverage guide shows what lower incomes can unlock.

Corporate Staff Between Jobs

AutoZone and International Paper are based here. When a corporate job ends, our guide to coverage after a layoff lays out next steps.

Coverage Built Around Your Shift

Nights, weekends or long hauls, we fit coverage to the way you work. Phone 888-730-6001 or compare Shelby County plans online.

Health Insurance Memphis FAQs

These are the health insurance Memphis questions Shelby County callers ask us most. For statewide details, explore our Tennessee health insurance FAQ library. Agents also take calls at 888-730-6001 on weekdays.

Can one Memphis plan cover both Methodist and Baptist hospitals?

Some plans include both, while others include only one system. So, tell us every hospital you use, and we will filter plans for them.

I work part-time at the FedEx hub. Can I buy my own plan?

Yes. If your job offers no affordable coverage, you may qualify for tax credits. Also, report your expected yearly hours and pay as closely as you can.

I live in Memphis but work in Mississippi. Which plan do I buy?

You buy coverage where you live. Therefore, Memphis residents buy plans sold in Tennessee. Still, check whether the network reaches doctors near your job.

I earn under the poverty line and have no children. What can I do?

Tennessee did not expand Medicaid, so TennCare may not cover you. Even so, the Shelby County Health Department runs public clinics. Call us, and we will check every option.

Can my children get CoverKids in Shelby County?

Often, yes. CoverKids covers children in families earning up to 255 percent of poverty. Moreover, you can apply in any month.

What plans work for Memphis truck drivers?

Generally, drivers choose a Marketplace plan or a UnitedHealthcare short-term plan. Others pair either one with accident coverage for extra protection.

What time can Memphis callers reach Vivna?

Our hours are 9 a.m. to 6 p.m. Eastern, Monday through Friday. Since Memphis runs an hour behind, plan your call accordingly. For Memphis, that means 8 a.m. to 5 p.m. Central time.

Ask Us Your Memphis Question

Bring any health insurance Memphis question, and we will answer it free. Call 888-730-6001 or send your quote details.

Health Insurance Memphis Guides Worth Reading

Before you choose, a little reading goes a long way with health insurance Memphis decisions. These guides explain costs and rules in plain words. Prefer a person? Call 888-730-6001.

Tennessee Coverage Guides

Money-Saving Guides

Put a Price on It

Guides teach the basics, yet only a quote shows your cost, so take the next step. Ring 888-730-6001 or get a free Memphis estimate.

More Tennessee City Guides

Live near the city line or work in another town? Compare health insurance Memphis options with these other Tennessee city guides. Each one covers local hospitals, county programs and the plans sold there.

Statewide help: the Tennessee health insurance guide and our Tennessee health insurance questions and answers.

Speak With a Licensed Agent About Memphis Coverage

One phone call can untangle health insurance Memphis questions that confuse most people. Even better, our help with health insurance Memphis plans costs you nothing. Just share ages, income and doctors. Afterward, we bring back plans that fit, and you decide with no pressure.

Open Enrollment currently begins November 1, although federal dates could change. To start coverage January 1, enroll by December 15. Our agents answer 888-730-6001 weekdays, 8 a.m. to 5 p.m. Central.

Licensed Agent Review

Reviewed by Heather Sprague, Owner and Agent of Record, individual NPN 19086819.

Vivna Inc. agency NPN 19168641. BBB A+ rated and a U.S. Chamber of Commerce member.

Licensed independent agency serving Tennessee by phone and online. Confirm any agent license with the Tennessee Department of Commerce and Insurance.

Memphis and Tennessee Public Resources

Get Your Memphis Quote

Vivna Insurance, 810 SE 8th Ave, Suite A, Deerfield Beach, FL 33441. Call 888-730-6001 or open your free Memphis quote.