Tennessee Health Insurance Regulations

Tennessee health insurance laws are moderate.

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Tennessee health insurance regulations

Tennessee health insurance policies are required to include the following:

  • a pre-existing condition exclusion period for less than 2 years
  • a guaranteed renewability provision
  • automatic coverage for newborns and adopted children

Tennessee health insurance regulations

Tennessee health insurance companies can:

  • refuse your application
  • charge higher premiums because of your health
  • increase premiums because of declining health and age.

However, an existing Tennessee health insurance policy cannot be canceled due to your health.

Tennessee health insurance: temporary policies

For temporary Tennessee health insurance, purchase a conversion policy or temporary health insurance.

Other TN health insurance info

For more help with health insurance, take our free health insurance internet course.

Or check out our guide to Tennessee small business health insurance.


For more on TN health insurance, visit the Tennessee Commerce and Insurance Administration.

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