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Most rates for health insurance premiums have been pre-approved by the Tennessee Department of Insurance before being offered to consumers.

To this end, the rates for health insurance policies offered by different insurance providers are more or less the same. Nevertheless, consumers and potential policyholders are still encouraged to shop around and determine for themselves just what exact insurance policy best suit their medical and health needs. Insurance providers are not required to guarantee acceptance for every insurance application made. This means that the provider is permitted under the law to refuse coverage for what they deem reasonable cause, excepting on discriminatory factors, such as sex, age, and race. Because most insurance providers require medical examinations as part of the approval process, they can also refuse an insurance application based on pre-existing medical conditions. Some may also approve a policy though would exclude a specific pre-existing condition from coverage. Under state law, insurance providers may also charge higher premiums because of the health condition of the consumer or increase the premium rates if policyholder is of declining health and well into his or her old age. However, the provider cannot cancel a health insurance policy should the policyholder becomes ill or becomes diagnosed with a disease.

Typically, health insurance policies sold within the state share three general features. One is the provision for guaranteed renewal and most coverage also offer automatic coverage for newborns and adopted children. Lastly, an insurance policy may also include an exclusion period for pre-existing conditions in which the provider may not provide coverage for that specific condition for a period of less than 2 years. There may be times when consumers may not be able to purchase the usual health insurance policies offered in the market due to financial constraints. To this end, a temporary health insurance policy may be purchased that could be enforced for only specific period of time.

There are also several insurance provisions imposed by the state of Tennessee that consumers should do well to be aware of. For those who are self-employed, the state allows them to purchase health insurance policy and have the premiums paid claimed as itemized tax deduction. There are also several health insurance policies offered to small business organizations as well for large businesses, typically termed group plans.

Insurance consumers and policyholders should also be aware of the presence of TennCare, a program designed to replace the Medicaid program in the state. The program also provides extended coverage for those not covered under Medicaid.