Why is Vanderbilt Clarksville different from Vanderbilt in Nashville?
The Aetna Medicare Advantage change is specific to 2027. For the other plans below, Vanderbilt's published lists do not clearly identify a 2027 plan year. Confirm your exact plan with both Vanderbilt and the insurer.
For example, Vanderbilt lists Network E under Healthcare Clarksville, while the Clarksville Physician Group list says E and L are excluded. A hospital and its doctors can have different contracts.
| Plan | Vanderbilt Clarksville | Vanderbilt in Nashville |
|---|---|---|
| Aetna Medicare Advantage in 2027 | Hospital still covered | Out of network starting January 1, 2027 |
| BlueCross BlueShield of Tennessee Network E | Listed for Healthcare Clarksville; physician group says excluded | VUMC's list says excluded |
| BlueCross BlueShield of Tennessee Network L | Physician group says excluded; confirm your facility | VUMC's list says excluded |
| UnitedHealthcare Compass, the individual exchange plan | Not excluded on the list; confirm your facility | Listed as out of network |
| BlueCross BlueAdvantage (Medicare Advantage) | Listed for Clarksville Physician Group; confirm your facility | Listed as out of network |
Vanderbilt Health completed its purchase of Tennova Healthcare-Clarksville from Community Health Systems in February 2026. The 270 bed hospital is now Vanderbilt Clarksville Hospital, and the freestanding Sango ER is now Vanderbilt Emergency Sango. Vanderbilt posts separate insurance lists for its Clarksville locations, and they differ from the Nashville lists.
I have Aetna Medicare Advantage. What changes for me?
Vanderbilt says Aetna Medicare Advantage plans will continue to cover the Vanderbilt Clarksville Hospital facility in 2027, and the change does not apply to Clarksville Physician Services. Every other Vanderbilt location, including its Nashville hospitals and clinics, leaves the Aetna Medicare Advantage network on January 1, 2027.
If you see Vanderbilt specialists in Nashville, compare plans during Medicare's annual enrollment period, October 15 to December 7, 2026. A plan that covers your local hospital may not cover the specialist you drive to.
Just moved to Clarksville or leaving the military?
Clarksville grew 13.2% from April 2020 to July 2025, to 188,829 residents, and about 22,758 veterans live in the city, according to Census estimates. If you are new in town or leaving a job or the military, you may be able to buy a marketplace plan outside open enrollment.
A move to a new ZIP code or county usually qualifies if you had qualifying health coverage for at least one day in the 60 days before you moved. Losing other coverage, such as a job plan or TRICARE when you leave the military, also qualifies. You generally have 60 days after the event to choose a plan, and for a coverage loss you can apply up to 60 days before it ends.
Our special enrollment calculator shows your window from the date of your move or coverage loss. If you live in Clarksville and work in Kentucky, you still buy on HealthCare.gov as a Tennessee resident, because the marketplace goes by where you live.
Is the new Ascension Saint Thomas hospital in Clarksville open?
Not as of October 2026. Ascension Saint Thomas broke ground on June 17, 2026 on a $148.5 million hospital and health campus near Highway 76 and Interstate 24, planned to open with 44 inpatient beds. We could not confirm an opening date, so it should not drive your 2027 plan choice.
How many people in Montgomery County use the marketplace?
| Measure | Montgomery County | Tennessee |
|---|---|---|
| People who picked a plan | 13,611 | 569,310 |
| Received a premium tax credit | 92.0% | 90.3% |
| Average monthly premium before credits | $850 | $838 |
| Average monthly premium after credits | $124 | $141 |
| Premium of $10 a month or less after credits | 37.7% | 36.3% |
Prices before credits were a little above the state average, but credits brought the average down to $124 a month, below the state's $141. Census estimates show 10.7% of Clarksville residents under 65 without health insurance, and 9.6% of residents are 65 or older.
How can an agent help Clarksville residents?
An agent can check Vanderbilt Clarksville, any Nashville specialists you see and your prescriptions in each 2027 plan, and work out your enrollment window after a move or a coverage loss.
Health Insurance Solutions agents are licensed in 22 states and help by phone and online. Marketplace plans cost the same with or without an agent, so the comparison does not add to your premium.
Insurers and hospitals mentioned
Explore the organizations or brands discussed in this article. A mention does not mean every plan or location is covered.
- Detailed guide · TennesseeVanderbilt Health
- Hospital · TennesseeVanderbilt Clarksville Hospital
- Hospital · TennesseeAscension Saint Thomas Hospital
- Insurer · TennesseeBlueCross BlueShield of Tennessee
- Insurer · TennesseeUnitedHealthcare
- Medicare Advantage · TennesseeAetna Medicare
- Medicare Advantage · TennesseeBlueCross BlueShield of Tennessee
- Medicare Advantage · TennesseeUnitedHealthcare
- Small-group insurer · TennesseeBlueCross BlueShield of Tennessee
- Small-group insurer · TennesseeUnitedHealthcare Ins Co of River Valley
- Small-group insurer · TennesseeUnitedHealthcare Insurance Company
See our Individual & Family plans
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Marketplace, Medicaid and Medicare rules for the whole state.We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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