CoverTN is open to uninsured Tennesseans, at least 19-years-old, who work for qualifying small businesses, are self-employed or work but do not have health insurance. In addition, those who have recently become unemployed or had work hours reduced may also be eligible. The spouse of a CoverTN member may also be eligible for coverage under CoverTN.
| • |
Located in Tennessee |
| • |
50 or fewer full-time equivalent employees |
| • |
50% of employees earn $55,000 or less per year |
| • |
Business offers plan to all employees |
| • |
Business must pay at least one-third share of premium |
| • |
Business has not offered employer-sponsored insurance in the previous six months or, if offered, employer has not paid 50% or more of the employee's premiums* |
| • |
A U.S. citizen or qualified legal alien |
| • |
19-years-old or older |
| • |
Works an average of at least 20 hours per week |
| • |
Has not had health insurance in the previous six months (individual or group coverage)* |
| • |
Must agree to pay one-third of the premium |
| • |
Tennessee resident for six months |
| • |
A U.S. citizen or qualified legal alien |
| • |
19-years-old or older |
| • |
Works an average of 20 hours per week |
| • |
Earns $55,000 or less per year |
| • |
Has not had health insurance in the previous six months (individual or group coverage)* |
| • |
Must agree to pay two-thirds of the premium |
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.
| • |
Tennessee resident for six months |
| • |
A U.S. citizen or qualified legal alien |
| • |
19-years-old or older |
| • |
Works an average of 20 hours per week |
| • |
Earns $55,000 or less per year in adjusted gross income |
| • |
Has not had health insurance in the previous six months (individual or group coverage)* |
| • |
Must agree to pay two-thirds of the premium |
| • |
Worked at least one 20-hour week in the previous six months or had work hours reduced to less than 20 hours per week |
| • |
Unemployed in the previous six months |
| • |
Earned $55,000 or less per year |
| • |
Tennessee resident for six months |
| • |
A U.S. citizen or qualified legal alien |
| • |
19-years-old or older |
| • |
Must agree to pay two-thirds share of the premium |
| • |
Does not currently have health insurance |
| • |
At least 50% of employees earn $55,000 or less per year |
| • |
50% minimum participation of eligible employees |
| • |
County must pay two-thirds share of premiums |
| • |
County cannot have offered employer-sponsored health insurance in the previous 12 months |
| • |
A U.S. citizen or qualified legal alien |
| • |
19-years-old or older |
| • |
Works at least 20 hours or more per week, on average |
| • |
Have not had health insurance in the last six months (individual or group coverage)* |
| • |
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. An employer is not obligated to contribute to the spouse's premium and employees 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.
| • |
Tennessee resident for six months (exceptions apply) |
| • |
A U.S. citizen or qualified legal alien |
| • |
19-years-old or older |
| • |
Has not had health insurance in the previous six months |
| • |
Must agree to pay two-thirds share of the premium |
Coverage for Children
Children of CoverTN participants are not eligible for coverage under this program but may be eligible for coverage through
CoverKids.
* Exception to the go-bare requirement may apply
