Health insurance in Rutherford County, Tennessee
5 insurers sell 65 marketplace plans here, and 11.0% 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 Rutherford 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
11.0% of Rutherford County's 328,845 under-65 residents have no health coverage — 36,022 people. That is close to the Tennessee rate of 11.3%, and puts Rutherford County in the middle half of the 1,817 counties on this site (885th).
Some of those 36,022 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
30,649 Rutherford County residents selected a marketplace plan for 2026: 93 per thousand under-65 residents, 864th of 1,817. That is above the 78 per thousand typical of published counties. 5,600 of them — 18% — were new rather than renewing.
Rutherford County against Tennessee
Rutherford County is the 4th largest of the 11 Tennessee counties we publish. Its uninsured rate tracks the state almost exactly and with 5 insurers it is as well served as anywhere in Tennessee. Marketplace use is close to the Tennessee rate.
| Rutherford County | Tennessee | Published median | |
|---|---|---|---|
| Uninsured, under 65 | 11.0% | 11.3% | 9.9% |
| Insurers selling | 5 | 3–5 | 4 |
| Plans offered | 65 | — | 57 |
| Selections per 1,000 | 93 | 98 | 78 |
| New rather than renewing | 18% | 16% | 15% |
Counties of a similar size nearby
| County | Under 65 | Uninsured | Insurers | Plans |
|---|---|---|---|---|
| Hamilton County | 306,635 | 11.5% | 5 | 59 |
| Knox County | 413,016 | 9.8% | 4 | 50 |
| Williamson County | 230,574 | 6.5% | 5 | 65 |
| Montgomery County | 216,157 | 8.6% | 5 | 65 |
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