Tennessee · 28 ZIPs covered

Memphis health insurance plan directory

Use this metro snapshot to evaluate health plan insurance premiums, issuers, and benefits in Memphis so you can zero in on the best health insurance plan. Memphis metro area · population 694,407 across 28 ZIP codes.

Estimated population 694,407 across 28 ZIP codes.

Plans tracked

191

Median premium

$15

ZIP coverage

28

Directory data source

We refresh these plan insights whenever CMS rate filings change for 2026, so the premium ranges shown here mirror current marketplace health insurance pricing.

Advertisement

Compare 2026 ACA plans for ZIP 38103

Head over to the HealthPorta plan finder to see live premiums, issuer coverage, formulary summaries, CSR variations, and every available filter (price, metal level, plan type, issuer, dental/vision, on/off exchange, HSA, catastrophic, deductible/MOOP sliders, and keyword search).

Every ZIP in this city links straight to the detailed plan search so you can refine results with the full toolkit.

Compare plans for ZIP 38103

Plan finder tips

  • Select metal level, plan type, CSR variation, issuer, and market (on/off exchange) directly on the search page.
  • Toggle adult/child dental & vision, HSA-only, and catastrophic filters, then fine-tune price, deductible, and MOOP sliders.
  • Use the keyword box for plan IDs or marketing names—the search will redirect to a canonical slug you can bookmark or share.

Hand-picked plan shortcuts

Jump into curated ACA plan searches for Memphis

These quick links load popular plan combinations for Memphis so you can skip the form and start comparing Bronze budgets, Silver dental plans, or telehealth-friendly options immediately.

Bronze · under $250

Affordable Bronze ACA plans in Memphis

Filter Bronze-tier health plan insurance premiums in Memphis below $250 for coverage year 2026.
Silver + Dental

Silver plans with adult dental in Memphis

See Silver ACA health insurance plans that include adult dental benefits for households in Memphis.
HSA · HMO

HSA-friendly HMO options in Memphis

Limit results to HSA-eligible HMO plans so you can pair tax-advantaged savings with 2026 premiums.
PPO · $400+

PPO plans with higher coverage limits

Scan PPO marketplace plans in Memphis with premiums starting near $400 to maximize provider choice.
Telehealth supported

Telehealth-ready plans for Memphis

Focus on marketplace plans that list telehealth or virtual visits so you can access care remotely in Memphis.

Marketplace plans in Memphis

Showing 169–180 of 191 ACA plans for ZIP 38103. Select a card to open the full health plan page or jump into the search experience.

Open full plan search

Low

Guardian Basics for Families and Individuals

Guardian · Plan ID 90402TN0080006 · PPO

PPO CSR Standard Low On Exchange Plan Issuer profile
Telehealth — HSA — Dental Adult/Child Vision —
Jump to: Overview Doctors Drug coverage Benefits

$14 – $24

Sample monthly premium

Health plan details See more plans

Low

Guardian Essentials for Families and Individuals

Guardian · Plan ID 90402TN0090006 · PPO

PPO CSR Standard Low On Exchange Plan Issuer profile
Telehealth — HSA — Dental Adult/Child Vision —
Jump to: Overview Doctors Drug coverage Benefits

$17 – $24

Sample monthly premium

Health plan details See more plans

Low

Guardian Preventive Plus for Families and Individuals

Guardian · Plan ID 90402TN0100005 · PPO

PPO CSR Standard Low On Exchange Plan Issuer profile
Telehealth — HSA — Dental Adult/Child Vision —
Jump to: Overview Doctors Drug coverage Benefits

$12 – $24

Sample monthly premium

Health plan details See more plans

High

EMI Health Premier PPO (High)

EMI Health · Plan ID 97536TN0010001 · PPO

PPO CSR Standard High On Exchange Plan Issuer profile
Telehealth — HSA — Dental Adult/Child Vision —
Jump to: Overview Doctors Drug coverage Benefits

$26 – $46

Sample monthly premium

Health plan details See more plans

Low

EMI Health Premier PPO (Low)

EMI Health · Plan ID 97536TN0010002 · PPO

PPO CSR Standard Low On Exchange Plan Issuer profile
Telehealth — HSA — Dental Adult/Child Vision —
Jump to: Overview Doctors Drug coverage Benefits

$11 – $16

Sample monthly premium

Health plan details See more plans

Low

EMI Health Advantage Co-Pay

EMI Health · Plan ID 97536TN0010003 · PPO

PPO CSR Standard Low On Exchange Plan Issuer profile
Telehealth — HSA — Dental Adult/Child Vision —
Jump to: Overview Doctors Drug coverage Benefits

$10 – $14

Sample monthly premium

Health plan details See more plans

Low

EMI Health Advantage PPO

EMI Health · Plan ID 97536TN0010004 · PPO

PPO CSR Standard Low On Exchange Plan Issuer profile
Telehealth — HSA — Dental Adult/Child Vision —
Jump to: Overview Doctors Drug coverage Benefits

$8 – $10

Sample monthly premium

Health plan details See more plans

Low

Cigna Dental Pediatric

Cigna Healthcare · Plan ID 99248TN0030001 · PPO

PPO CSR Standard Low On Exchange Plan Issuer profile
Telehealth — HSA — Dental Child Vision —
Jump to: Overview Doctors Drug coverage Benefits

– $33

Sample monthly premium

Health plan details See more plans

Low

Cigna Dental Family + Pediatric

Cigna Healthcare · Plan ID 99248TN0030002 · PPO

PPO CSR Standard Low On Exchange Plan Issuer profile
Telehealth — HSA — Dental Adult/Child Vision —
Jump to: Overview Doctors Drug coverage Benefits

$20 – $33

Sample monthly premium

Health plan details See more plans

Silver

Connect Silver 4500 Indiv Med Deductible

Cigna Healthcare · Plan ID 99248TN0060005 · EPO

EPO CSR 94% AV Level Silver Plan Issuer profile
Telehealth — HSA — Dental — Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$429 – $2001

Sample monthly premium

Health plan details See more plans

Bronze

Connect Bronze 7500 Indiv Med Deductible

Cigna Healthcare · Plan ID 99248TN0060033 · EPO

EPO CSR Limited Cost Sharing Plan Variation Issuer profile
Telehealth — HSA ✓ Dental — Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$327 – $1528

Sample monthly premium

Health plan details See more plans

Silver

Connect Silver 3000 Indiv Med Deductible

Cigna Healthcare · Plan ID 99248TN0060044 · EPO

EPO CSR 94% AV Level Silver Plan Issuer profile
Telehealth — HSA — Dental — Vision Child
Jump to: Overview Doctors Drug coverage Benefits

$431 – $2011

Sample monthly premium

Health plan details See more plans