Franklin, Tennessee: health insurance
Franklin is in Williamson County. Here is what Franklin residents should know about coverage.
Coverage in Franklin
Franklin has about 88,558 residents (U.S. Census Bureau 2023 estimate).
Plans for Franklin residents are determined by Williamson County, home to about 264,460 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 Williamson County before you choose it.
- Turning 65 in Franklin? 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.
Medicare plans leaving Williamson County for 2027
Medicare plans are set by county, so this applies to residents of this city. 15 plans are listed in Williamson County for 2026 but not for 2027, covering at least 1,047 people.
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| Humana Value Choice H5216-451 (PPO) H5216-451 | Humana | 421 |
| UHC Dual Complete TN-S001 (HMO-POS D-SNP) H0251-002 | UnitedHealthcare | 221 |
| UHC Dual Complete TN-Y2 (HMO-POS D-SNP) H0251-008 | UnitedHealthcare | 187 |
| HumanaChoice H5216-450 (PPO) H5216-450 | Humana | 90 |
| Wellcare Simple (HMO-POS) H1416-077 | Wellcare / Ambetter (Centene) | 88 |
| Wellcare Giveback (HMO-POS) H1416-079 | Wellcare / Ambetter (Centene) | 27 |
See all 15 plans leaving Williamson County →
A plan can be listed because it was renumbered or replaced, not only because a company is leaving the county. When the same company keeps other plans there, members are usually moved to a replacement plan. Your plan should send you a notice, and Medicare’s Annual Enrollment Period (October 15 to December 7) is when you can compare and switch. “People enrolled” is the number enrolled in that plan today (CMS hides counts of 10 or fewer). Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Colleges and universities near Franklin
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 Franklin and Williamson County have the same plans?
Plans are offered by service area, and Franklin falls under Williamson County. A plan that serves Williamson 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.
Franklin 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 855-367-1095Other major Tennessee cities
- Nashville
- Memphis
- Knoxville
- Chattanooga
- Clarksville
- Murfreesboro
- Johnson City
- Jackson
- Hendersonville
- Spring Hill
- Smyrna
- Kingsport
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.