{
  "publisher": "TN Health Coverage Explained",
  "license": "Free to reuse with attribution and a link.",
  "note": "Facts are verified against the primary sources listed in each file. Check last_verified before relying on a value.",
  "datasets": [
    {
      "file": "/data/applicable-percentages-2027.json",
      "url": "https://www.tnhealthcoverageexplained.org/data/applicable-percentages-2027.json",
      "title": "2027 premium tax credit applicable percentage table",
      "description": "The share of household income a person is expected to pay for the benchmark (second-lowest-cost) silver plan in 2027. The premium tax credit covers the rest of the benchmark premium. The enhanced (2021–2025) credits expired, so the 400% FPL cliff applies.",
      "last_verified": "2026-10-17",
      "sources": [
        {
          "name": "IRS Revenue Procedure 2026-26",
          "url": "https://www.irs.gov/pub/irs-drop/rp-26-26.pdf"
        }
      ]
    },
    {
      "file": "/data/contacts.json",
      "url": "https://www.tnhealthcoverageexplained.org/data/contacts.json",
      "title": "Free, official help for Tennessee health coverage",
      "description": "Phone numbers and websites for official and nonprofit enrollment help in Tennessee. None of these organizations is affiliated with this site.",
      "last_verified": "2026-10-17",
      "sources": [
        {
          "name": "HealthCare.gov",
          "url": "https://www.healthcare.gov/contact-us/"
        },
        {
          "name": "CMS 2026–2027 Navigator awardee summaries",
          "url": "https://www.cms.gov/files/document/2026-2027-navigator-awardee-summaries.pdf"
        },
        {
          "name": "TN Department of Commerce & Insurance",
          "url": "https://www.tn.gov/commerce/insurance.html"
        }
      ]
    },
    {
      "file": "/data/counties.json",
      "url": "https://www.tnhealthcoverageexplained.org/data/counties.json",
      "title": "Tennessee counties and ACA rating areas",
      "description": "All 95 Tennessee counties mapped to the state's 8 ACA geographic rating areas, with GetCoveredTenn in-person Navigator availability.",
      "last_verified": "2026-10-17",
      "sources": [
        {
          "name": "CMS — Tennessee geographic rating areas",
          "url": "https://www.cms.gov/cciio/programs-and-initiatives/health-insurance-market-reforms/tn-gra"
        },
        {
          "name": "CMS 2026–2027 Navigator awardee summaries",
          "url": "https://www.cms.gov/files/document/2026-2027-navigator-awardee-summaries.pdf"
        }
      ]
    },
    {
      "file": "/data/enrollment-2027.json",
      "url": "https://www.tnhealthcoverageexplained.org/data/enrollment-2027.json",
      "title": "Tennessee health coverage enrollment windows, plan year 2027",
      "description": "Every enrollment window relevant to Tennessee residents for 2027 coverage: marketplace open enrollment, coverage start dates, special enrollment, TennCare/CoverKids, and Medicare.",
      "last_verified": "2026-10-17",
      "sources": [
        {
          "name": "HealthCare.gov — dates and deadlines",
          "url": "https://www.healthcare.gov/quick-guide/dates-and-deadlines/"
        },
        {
          "name": "CMS statement on City of Columbus v. Kennedy (July 31, 2026)",
          "url": "https://www.cms.gov/files/document/statement-re-city-columbus-073126.pdf"
        },
        {
          "name": "Medicare.gov — joining a plan",
          "url": "https://www.medicare.gov"
        }
      ]
    },
    {
      "file": "/data/fpl-2026.json",
      "url": "https://www.tnhealthcoverageexplained.org/data/fpl-2026.json",
      "title": "2026 federal poverty guidelines (used for 2027 marketplace tax credits)",
      "description": "HHS poverty guidelines for the 48 contiguous states, with the income bands that matter for Tennessee coverage programs. Marketplace tax credits for 2027 coverage use the 2026 guidelines.",
      "last_verified": "2026-10-17",
      "sources": [
        {
          "name": "HHS ASPE — poverty guidelines",
          "url": "https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines"
        }
      ]
    },
    {
      "file": "/data/plan-year-2027.json",
      "url": "https://www.tnhealthcoverageexplained.org/data/plan-year-2027.json",
      "title": "Tennessee individual marketplace, plan year 2027",
      "description": "Insurers selling 2027 marketplace plans in Tennessee, statewide rate changes, and federal plan-year limits.",
      "last_verified": "2026-10-17",
      "sources": [
        {
          "name": "ACASignups — 2027 Tennessee rate changes (from SERFF filings)",
          "url": "https://acasignups.net/node/9965"
        },
        {
          "name": "Tennessee Department of Commerce & Insurance — health insurance information",
          "url": "https://www.tn.gov/commerce/insurance/consumer-resources/health-insurance-information.html"
        },
        {
          "name": "CMS 2027 out-of-pocket limits",
          "url": "https://www.cms.gov/marketplace"
        }
      ]
    },
    {
      "file": "/data/tenncare-eligibility.json",
      "url": "https://www.tnhealthcoverageexplained.org/data/tenncare-eligibility.json",
      "title": "TennCare and CoverKids income limits",
      "description": "Main MAGI eligibility groups for TennCare (Tennessee Medicaid) and CoverKids (CHIP). Limits are percentages of the federal poverty level; a 5-percentage-point income disregard applies in MAGI determinations. Only TennCare can make an eligibility decision.",
      "last_verified": "2026-10-17",
      "sources": [
        {
          "name": "TennCare Eligibility Reference Guide",
          "url": "https://www.tn.gov/tenncare"
        },
        {
          "name": "CoverKids eligibility",
          "url": "https://www.tn.gov/coverkids"
        }
      ]
    }
  ]
}