--- title: Rating Area 4 — Middle Tennessee (Nashville): Your Marketplace Guide for 2027 url: https://www.tnhealthcoverageexplained.org/rating-area-4 description: Rating Area 4 covers Nashville, Murfreesboro & Franklin's 9 counties. Learn your rating area, 2027 open enrollment dates, and in-person enrollment help. last_verified: 2026-10-17 publisher: TN Health Coverage Explained (independent; does not sell insurance) --- # Rating Area 4 — Middle Tennessee (Nashville): Your Marketplace Guide for 2027 ## Which counties are in Rating Area 4? Your county decides your rating area. Tennessee has eight ACA rating areas — groups of counties that insurers use when they file plans and prices. If you live in one of these nine counties, you're in Rating Area 4: - Cheatham - Davidson - Montgomery - Robertson - Rutherford - Sumner - Trousdale - Williamson - Wilson See the full county-by-county map at [Tennessee Counties & Rating Areas](https://www.tnhealthcoverageexplained.org/counties). What this means in plain language: insurers file their plans and prices **per rating area**. The menu of plans and the premiums you see are set for Area 4 as a whole — not for each county individually. Someone in Davidson County and someone in Trousdale County see the same filed plan menu, even if their local choices feel very different. ## ⚠️ Important: 2027 carrier availability per area is not yet confirmed Here's what we know and don't know yet: - Five insurers are approved to sell 2027 marketplace plans **somewhere** in Tennessee: BlueCross BlueShield of Tennessee, Celtic/Ambetter, Oscar, UnitedHealthcare, and Alliant. (Cigna exits the Tennessee marketplace on December 31, 2026.) - **What we don't yet know:** exactly which of those five will sell in Rating Area 4. Per-area carrier lineups are being confirmed through HealthCare.gov window shopping, and this page will be updated when that's done. - **Do not assume** that any particular insurer is selling in your county until you've window-shopped your own ZIP code. The statewide approval is not the same thing as your area's lineup. ## Population centers and general market dynamics *(General dynamics — not carrier assignments. No insurer is listed here because per-area lineups are still being confirmed.)* The area centers on **Nashville**, with **Murfreesboro, Franklin, and Clarksville** as major secondary hubs. A few dynamics worth understanding: - **Choice follows population density.** Davidson, Rutherford, and Williamson counties typically draw more insurers competing on plans; rural counties like Trousdale often have one or two. A thinner menu means each plan's network details deserve extra attention. - **Provider networks matter more outside the metros.** Before you enroll, verify that your doctors, your hospital, and your prescriptions are in-network for the specific plan you're considering — not just for the insurer generally. - **If your current insurer doesn't offer plans in your area in 2027**, you can still shop on HealthCare.gov during open enrollment (November 1, 2026 – January 15, 2027; December 15, 2026 is the deadline for coverage starting January 1, 2027). ## Local enrollment help - **GetCoveredTenn (Tennessee's Navigator program): 1-866-475-7879.** Good news here: **in-person help is available in seven of this area's nine counties** — Cheatham, Davidson, Robertson, Rutherford, Sumner, Williamson, and Wilson. Residents of **Montgomery and Trousdale** counties get phone or virtual help, which is also free and staffed by trained local Navigators. - **HealthCare.gov: 1-800-318-2596** — the federal marketplace Tennessee uses. ## FAQ ### Which insurers sell in Rating Area 4 for 2027? Statewide, five insurers are approved to sell in Tennessee in 2027: BlueCross BlueShield of Tennessee, Celtic/Ambetter, Oscar, UnitedHealthcare, and Alliant. But approval isn't the same as availability in your area — per-area lineups are being confirmed through HealthCare.gov window shopping right now. Window-shop your own ZIP code to see exactly who's selling where you live, and check back here: this page will be updated when the Area 4 lineup is confirmed. ### Do prices differ from neighboring areas? Yes — they can. Insurers file prices per rating area, so identical plans in a neighboring area can cost more or less. Your subsidy amount also depends on your area's benchmark plan price. Always shop your own area; never assume a neighbor's price applies to you. ### I'm moving within Tennessee — what changes? A move is a qualifying life event that opens a 60-day special enrollment period — but your plan menu, prices, and subsidy all reset to your **new** rating area. Even a move from Nashville to Murfreesboro stays in Area 4, but a move across the area line (say, to Dickson or to Knoxville) changes everything. Shop your new ZIP code as soon as you have a move date, and confirm your providers are in-network under the new area's plans. ## Sources - CMS Geographic Rating Areas page - Tennessee Department of Commerce & Insurance - CMS Navigator award summaries ## Keep exploring - [Health Insurance by Region](https://www.tnhealthcoverageexplained.org/regions) — the regional hub - [Tennessee Counties & Rating Areas](https://www.tnhealthcoverageexplained.org/counties) — the full 95-county index - [The Marketplace](https://www.tnhealthcoverageexplained.org/marketplace) — how the marketplace works - [The Tennessee Enrollment Calendar](https://www.tnhealthcoverageexplained.org/enrollment-calendar) — key dates and deadlines - [Health Insurance in Nashville & Middle Tennessee](https://www.tnhealthcoverageexplained.org/nashville) — the Nashville metro page