CoverTN is open to uninsured Tennesseans, at least 19 years old, who work for a qualifying small business, who are self-employed or individuals without health insurance. The spouse of a CoverTN participant may also be eligible for coverage under CoverTN.
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Business is located and operates in Tennessee as its principle place of business |
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Business has 50 or fewer full-time equivalent employees |
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50% of employees earn $43,000 or less per year |
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Business offers plan to all employees |
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Business must pay at least one-third share of premiums |
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Business has not offered employer-sponsored insurance in the last six months or, if offered, has not paid 50% or more of the employee's premium |
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Works at least 20 hours per week, on average |
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A U.S. Citizen or qualified legal alien |
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19 years old or older |
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Have not had health insurance in the last six months (individual or group coverage) |
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Non-Tennessee residents working at participating employers may enroll in CoverTN but will not receive state subsidy |
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Must agree to pay one-third of the premium |
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Must live in Tennessee (six months) |
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A U.S. Citizen or qualified legal alien |
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19 years old or older |
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Earns $43,000 or less per year |
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Works at least 20 hours per week, on average |
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Have not had health insurance in the last six months (individual or group coverage) |
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Must agree to pay two-thirds of the premium |
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Works for a company that does not offer employer-sponsored health insurance or CoverTN |
Self-employed individuals are eligible to apply for CoverTN. Self-employed means that you are in business for yourself or are an independent contractor and your business does not have any employees. Self-employed applicants, to be eligible for CoverTN, must be able to show income from the business equal to at least 20 hours per week at minimum wage, or about $6,800 per year.
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Must live in Tennessee (six months) |
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A U.S. Citizen or qualified legal alien |
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19 years old or older |
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Works at least 20 hours per week, on average |
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Earns $43,000 or less per year in adjusted gross income |
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Have not had health insurance in the last six months (individual or group coverage) |
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Must agree to pay two-thirds of the premium |
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Worked at least one 20-hour week in the last six months or had hours reduced to below 20 hours per week |
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Unemployed in the last six months |
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Earned $43,000 or less per year |
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Must live in Tennessee (six months) |
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A U.S. Citizen or qualified legal alien |
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19 years old or older |
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Must agree to pay two-thirds share of the monthly premium |
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Does not currently have health insurance |
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At least 50% of employees earn $43,000 or less per year |
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50% minimum participation of eligible employees |
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County must pay two-thirds share of premiums |
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County cannot have offered employer-sponsored health insurance in the past 12 months |
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A U.S. Citizen or qualified legal alien |
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19 years old or older |
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Works at least 20 hours or more per week, on average |
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Have not had health insurance in the last six months (individual or group coverage)* |
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Must agree to pay one-third share of the premium |
Spouses of CoverTN participants may be eligible for coverage if they meet the following eligibility requirements. The employer is not obligated to contribute to the spouse's premium. The employee must pay whatever portion of the spouse's premium the employer does not cover. An employee must enroll in CoverTN in order for the spouse to be eligible to enroll for coverage.
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Must live in Tennessee (six months) or a bordering state |
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A U.S. Citizen or qualified legal alien |
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19 years old or older |
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Have not had health insurance in the last six months (individual or group coverage) |
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Must agree to pay two-thirds of the premium |
Coverage for Children
Children of CoverTN participants are not eligible for coverage under this program. All CoverTN policies are individual policies and are not considered family coverage. Employees with children 18 years or younger may be eligible for coverage under CoverKids, another Cover Tennessee program. Please visit the
CoverKids section of this website for more information.
* Exception to the go-bare requirement may apply
