Health Insurance Marketplaces (also known as Exchanges) are set up to create more organized and competitive markets for buying health insurance. They offer a choice of different health plans, certify plans that participate, and provide information and in-person assistance to help consumers understand their options and apply for coverage. Through the Marketplace, individuals and families can shop for coverage if they need to buy health insurance on their own.
Premium and cost sharing subsidies based on income are available through the Marketplace to make coverage affordable for individuals and families. People with low income can also use the Marketplace to find out if they are eligible for coverage through Medicaid and CHIP.
There is a health insurance Marketplace in every state for individuals and families and for small businesses. Some states run their own health insurance Marketplace and in other states, Marketplace is operated by the federal government.
Tennessee has a Federally-facilitated Marketplace (FFM). Consumers in FFM states apply for and enroll in coverage through https://www.healthcare.gov/.
As Certified Navigators we provide free, unbiased guidance on health insurance options available through the Marketplace, Medicaid (TennCare), and the Children’s Health Insurance Program (CoverKids).
With the Marketplace we can help with: