---
title: County & rating area lookup
url: https://www.tnhealthcoverageexplained.org/tools/county-lookup
description: Look up any of Tennessee's 95 counties to find its ACA rating area, your local insurance guide, and whether free in-person enrollment help is offered nearby.
last_verified: 2026-10-17
publisher: TN Health Coverage Explained (independent; does not sell insurance)
---

# 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.

_(Interactive tool; open the web page to use it.)_

## 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](https://www.tnhealthcoverageexplained.org/counties).

## 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