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Chattanooga, Tennessee: health insurance

Chattanooga is in Hamilton County. Here is what Chattanooga residents should know about coverage.

Coverage in Chattanooga

Chattanooga has about 187,030 residents (U.S. Census Bureau 2023 estimate).

Plans for Chattanooga residents are determined by Hamilton County, home to about 379,864 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers Hamilton County before you choose it.

  • Turning 65 in Chattanooga? Your Initial Enrollment Period runs seven months around your birthday. TN SHIP (State Health Insurance Assistance Program) offers free counseling at 1-877-801-0044.
  • Buying your own plan? Shop through HealthCare.gov (federal Marketplace).
  • Medicaid questions? TennCare handles applications.

Tennessee note: Tennessee's children's health coverage program has its own distinct name, CoverKids, rather than being folded entirely into the TennCare brand -- worth knowing since a household can qualify for CoverKids even in situations where adult members don't qualify for TennCare.

Colleges and universities near Chattanooga

Tennessee public institutions include University of Tennessee, Knoxville, Middle Tennessee State University, University of Memphis. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about Tennessee colleges.

Do Chattanooga and Hamilton County have the same plans?

Plans are offered by service area, and Chattanooga falls under Hamilton County. A plan that serves Hamilton County is generally the one that applies to you.

Do I have to enroll if I call?

No. A call is a conversation about your options.

Chattanooga residents: call 855-367-1095

Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.

Call 855-367-1095

Other major Tennessee cities

Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.

Do it yourself

Prefer to look and enroll yourself?

Compare plans and enroll on your own time. Or call 855-367-1095 any time you want a licensed agent’s help.

Medicare

Medicare Open Enrollment starts October 15th

Take a look at Tennessee plans, or go ahead and enroll yourself. Call if you need any help with your application.

Look at plansCall 855-367-1095
Under 65 · ACA

ACA Open Enrollment opens November 1st

Take a look at Tennessee plans, or go ahead and enroll yourself when it opens. Call if you need any help with your application.

Look at plansCall 855-367-1095
Short-term · TriTerm

Need coverage in between?

Short-term and TriTerm plans can start quickly and help with big unexpected medical bills. They are not ACA plans: they can ask health questions, may not cover pre-existing conditions, and what is offered varies by state. See what Tennessee allows.

TriTermCall 855-367-1095

Questions along the way? Call 855-367-1095 for assistance.