Which marketplace plans do Erlanger and Memorial list?
| Marketplace plan | Erlanger | Memorial Hospital |
|---|---|---|
| BlueCross BlueShield of Tennessee Network P | Listed, including exchange plans | Listed |
| BlueCross BlueShield of Tennessee Network S | Listed, including exchange plans | Not listed |
| UnitedHealthcare Tennessee Individual Exchange plan | Listed | Excluded |
| Ambetter | Listed | Listed |
| Cigna Connect (ends after 2026) | Listed | Not accepted |
Memorial's list covers Memorial Hospital Chattanooga and Memorial Hixson. It excludes UnitedHealthcare's Tennessee Individual Exchange Benefit plans, formerly called Compass, and says Memorial does not participate with Cigna Connect. Not listed does not prove a plan is out of network, but check first.
Neither list promises anything for 2027. Look up both hospitals and each of your doctors in the 2027 directory of the exact plan, and check the BlueCross network name, not only the insurer. Open enrollment runs November 1, 2026 to January 15, 2027.
Which Medicare Advantage plans do the two systems list?
Memorial Hospital lists Medicare Advantage plans from Humana, BlueCross BlueAdvantage, HealthSpring and Devoted Health, and says it accepts all Medicare supplement plans. CommonSpirit says its contract with Wellpoint Medicare Advantage ended on January 15, 2025. Aetna and UnitedHealthcare Medicare Advantage plans are not on the hospital's list, so check first.
Erlanger lists Medicare Advantage plans from Aetna, BlueCross BlueAdvantage, Devoted Health, HealthSpring, Humana, UnitedHealthcare, WellCare and Wellpoint. If you are changing plans, do it during the annual enrollment period, October 15 to December 7, 2026, and look up both hospitals in the 2027 plan's directory. About one in five Hamilton County residents (19.4%) is 65 or older.
How many people in Hamilton County use the marketplace?
| Measure | Hamilton County | Tennessee |
|---|---|---|
| People who picked a plan | 31,362 | 569,310 |
| Received a premium tax credit | 88.4% | 90.3% |
| Average monthly premium before credits | $811 | $838 |
| Average monthly premium after credits | $154 | $141 |
| Picked a silver plan | 41.0% | 37.6% |
Hamilton County enrollees picked silver plans more often than the state as a whole and paid a little more after credits, on average. Census estimates put Chattanooga at 194,144 residents, with 17.3% age 65 or older and 14.3% of people under 65 without health insurance.
How can an agent help Chattanooga residents?
An agent can check Erlanger, Memorial and your own doctors in several 2027 plans at once, including the network name on BlueCross plans. If you live on the Georgia side of the Chattanooga area, you apply through Georgia Access, not HealthCare.gov, because the marketplace goes by where you live.
Health Insurance Solutions agents are licensed in 22 states and help by phone and online. Marketplace plans cost the same with or without an agent, so the comparison does not add to your premium.
Insurers and hospitals mentioned
Explore the organizations or brands discussed in this article. A mention does not mean every plan or location is covered.
- Insurer · TennesseeAmbetter of Tennessee
- Insurer · TennesseeBlueCross BlueShield of Tennessee
- Insurer · TennesseeUnitedHealthcare
- Medicare Advantage · TennesseeBlueCross BlueShield of Tennessee
- Medicare Advantage · TennesseeDevoted Health
- Medicare Advantage · TennesseeHealthSpring
- Medicare Advantage · TennesseeHumana
- Medicare Advantage · TennesseeUnitedHealthcare
- Medicare Advantage · TennesseeWellpoint
- Small-group insurer · TennesseeBlueCross BlueShield of Tennessee
- Small-group insurer · TennesseeUnitedHealthcare Ins Co of River Valley
- Small-group insurer · TennesseeUnitedHealthcare Insurance Company
See our Individual & Family plans
Major medical coverage for you and your household, with subsidies applied where you qualify.2027 health insurance subsidy calculator
Enter your state, household size and income to see your 2027 expected premium, your savings and whether Medicaid may apply.Health insurance in Tennessee
Marketplace, Medicaid and Medicare rules for the whole state.We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Talk to a licensed agent
We compare plans, explain the tradeoffs and help you enroll. It costs you nothing.