Easily find an affordable health plan 

Having the proper health insurance coverage can literally be a matter of life or death. We'll make sure you're family is properly covered with health insurance premiums you can afford.

Open Enrollment for 2025 coverage starts November 1 and ends January 15th

  • November 1: Open Enrollment for individuals under 65 and families starts — first day you can enroll in, renew, or change health plans through the Marketplace for the coming year. Coverage can start as soon as January 1.
  • December 15: Last day to enroll in or change plans for coverage to start January 1.
  • January 1: Coverage starts for those who enroll in or change plans by December 15 and pay their first premium.
  • January 15: Open Enrollment ends — last day to enroll in or change Marketplace health plans for the year. After this date, you can enroll in or change plans only if you qualify for a Special Enrollment Period.
  • February 1: Coverage starts for those who enroll in or change plans December 16 through January 15 and pay their first premium.
Get coverage between January 16 and October 31 if you qualify for a 
Special Enrollment Period due to a life event or based on your income. You can apply for free or low-cost coverage through Medicaid or the Children’s Health Insurance Program (CHIP)
 at any time.

Important dates for Covered California

  • September 30 - Deadline for Health Insurance Starting Oct. 1: Sign up through special enrollment by Sept. 30 for a health plan that starts the following month. 
  • October 1 - Renewal: Current enrollees can renew their plan starting Oct. 1.
  • November 1 - Open Enrollment: Open enrollment for health insurance in 2025 begins on Nov. 1 and lasts until Jan. 31.

Health Insurance Types

Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
  • HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn't in the HMO’s network, you may have to pay the full cost of the services provided.
  • HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.
Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)
  • These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
  • If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.
High Deductible Health Plan (HDHP)
  • High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans. 
  • If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.
Catastrophic Health Insurance Plan
  • A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of "safety net" coverage in case you have an accident or serious illness. 
  • Catastrophic plans usually do not provide coverage for services like prescription drugs or shots. 
  • Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.

    Contact us to learn more about the right health insurance for you.
(865) 830-9459
612 W Lamar Alexander Pkwy
Maryville, TN 37801​
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