Health insurance in Davidson County, Tennessee
5 insurers sell 65 marketplace plans here, and 13.3% of under-65 residents have no coverage at all.
Source: CMS Marketplace Open Enrollment Public Use Files and US Census Small Area Health Insurance Estimates, 2026 release.
Who sells here, and how much choice that gives
5 insurers compete in Davidson County with 65 plans between them, about 13 plans each. It gained 2 since the previous plan year, up from 3.
How many people here have no coverage
13.3% of Davidson County's 609,116 under-65 residents have no health coverage — 80,778 people. That is above the Tennessee rate of 11.3%, and puts Davidson County in the middle half of the 1,817 counties on this site (501st).
Some of those 80,778 are in the Tennessee coverage gap: under $15,960 a year, too little for a subsidy and no expanded Medicaid to fall back on.
A market taking in new buyers
81,397 Davidson County residents selected a marketplace plan for 2026: 134 per thousand under-65 residents, 430th of 1,817. That is above the 78 per thousand typical of published counties. 16,089 — 20% — were new rather than renewing, an unusually high share.
Davidson County against Tennessee
Davidson County is the 2nd largest of the 11 Tennessee counties we publish. Its uninsured rate runs 2.0 points higher than Tennessee overall and with 5 insurers it is as well served as anywhere in Tennessee. Marketplace use is about 1.4 times the Tennessee rate.
| Davidson County | Tennessee | Published median | |
|---|---|---|---|
| Uninsured, under 65 | 13.3% | 11.3% | 9.9% |
| Insurers selling | 5 | 3–5 | 4 |
| Plans offered | 65 | — | 57 |
| Selections per 1,000 | 134 | 98 | 78 |
| New rather than renewing | 20% | 16% | 15% |
Counties of a similar size nearby
| County | Under 65 | Uninsured | Insurers | Plans |
|---|---|---|---|---|
| Shelby County | 732,633 | 12.6% | 5 | 65 |
| Knox County | 413,016 | 9.8% | 4 | 50 |
| Rutherford County | 328,845 | 11.0% | 5 | 65 |
| Hamilton County | 306,635 | 11.5% | 5 | 59 |
All of them have fewer insurers than this county's 5, which makes it the stronger market locally.
Other Tennessee counties · Where the subsidy stops · Enrollment dates