County & rating area lookup

Your county decides your rating area, the group of counties insurers use to price marketplace plans. Type your county to see your rating area, your local guide, and where to get free enrollment help.

What changes by county, and what doesn't

Changes by county: which insurers sell plans, the base prices, which doctors and hospitals are in network, and whether in-person Navigator help is nearby.

Same statewide: open enrollment dates, tax credit rules, TennCare and CoverKids rules, and ACA protections like guaranteed issue.

Prefer a list? See all 95 counties by rating area.

Frequently asked questions

How many rating areas does Tennessee have? Eight. They range from Rating Area 1 in the Tri-Cities to Rating Area 6 around Memphis.

Can I buy a plan from a different county? No. You buy plans offered where you live. If you move to a county with different plans, that move can open a special enrollment period.

Where do I get in-person help? GetCoveredTenn offers in-person help in Cheatham, Davidson, Fayette, Robertson, Rutherford, Shelby, Sumner, Tipton, Williamson, and Wilson counties, and phone or video help everywhere: 1-866-475-7879.

Sources

• CMS — Tennessee geographic rating areas (county to rating area mapping)
• CMS 2026–2027 Navigator awardee summaries — GetCoveredTenn's in-person counties
• Tennessee Department of Commerce & Insurance — 2027 rate filings