Health insurance in Montgomery County, Tennessee
5 insurers sell 65 marketplace plans here, and 8.6% 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 Montgomery 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
8.6% of Montgomery County's 216,157 under-65 residents have no health coverage — 18,658 people. That is below the Tennessee rate of 11.3%, and puts Montgomery County in the middle half of the 1,817 counties on this site (1315th).
Some of those 18,658 are in the Tennessee coverage gap: under $15,960 a year, too little for a subsidy and no expanded Medicaid to fall back on.
How much the marketplace is used
13,611 Montgomery County residents selected a marketplace plan for 2026: 63 per thousand under-65 residents, 1359th of 1,817. That is under the 78 per thousand typical of published counties. 2,392 of them — 18% — were new rather than renewing.
Montgomery County against Tennessee
Montgomery County is the 7th largest of the 11 Tennessee counties we publish. Its uninsured rate runs 2.7 points lower than Tennessee overall and with 5 insurers it is as well served as anywhere in Tennessee. Marketplace use is well under the Tennessee rate.
| Montgomery County | Tennessee | Published median | |
|---|---|---|---|
| Uninsured, under 65 | 8.6% | 11.3% | 9.9% |
| Insurers selling | 5 | 3–5 | 4 |
| Plans offered | 65 | — | 57 |
| Selections per 1,000 | 63 | 98 | 78 |
| New rather than renewing | 18% | 16% | 15% |
Counties of a similar size nearby
| County | Under 65 | Uninsured | Insurers | Plans |
|---|---|---|---|---|
| Williamson County | 230,574 | 6.5% | 5 | 65 |
| Wilson County | 142,559 | 8.8% | 5 | 65 |
| Hamilton County | 306,635 | 11.5% | 5 | 59 |
Every one of them has the same number of insurers, so this is a consistent regional market.
Other Tennessee counties · Where the subsidy stops · Enrollment dates