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Health insurance in Knoxville, TN: Which marketplace plans do UT Medical Center and Covenant take?

The short answer

UT Medical Center lists BlueCross Networks L and S, Cigna Connect and UnitedHealthcare's exchange plan. Covenant Health lists Ambetter, BlueCross Network S and Cigna Connect. Apart from Cigna Connect, which ends after 2026, BlueCross Network S is the one marketplace network on both lists. Confirm each 2027 plan before you enroll.

Updated

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Which marketplace plans do UT Medical Center and Covenant Health list?

Marketplace plans on each health system's posted list
Marketplace planUT Medical CenterCovenant Health
BlueCross BlueShield of Tennessee Network SListedListed
BlueCross BlueShield of Tennessee Network LListedNot listed
UnitedHealthcare Tennessee Individual Exchange planListedNot listed
AmbetterNot listedListed
Cigna Connect (ends after 2026)ListedListed

Not listed does not prove a plan is out of network, but check before you enroll. Covenant says its chart was current as of January 2025, and UT Medical Center gives no date, so treat both lists as a starting point.

Look at the network name, not only the insurer. BlueCross sells marketplace plans on more than one network, and UT Medical Center lists them separately. Then look up each hospital and each doctor in the insurer's 2027 directory.

Is Covenant Health still in network with UnitedHealthcare?

Yes, for Covenant Medical Group. In May 2026, after a contract dispute, UnitedHealthcare confirmed an agreement in principle with Covenant, WVLT reported. Covenant says the two agreed to renew their contracts for UnitedHealthcare Medicare Advantage and employer plans, so patients can keep seeing its providers without interruption.

Covenant does not mention marketplace plans in its notice, and its chart leaves out UnitedHealthcare's exchange plan. If you are considering a UnitedHealthcare marketplace plan, check Covenant before you enroll.

Which Medicare plans does Covenant Health list?

Covenant's chart lists traditional Medicare and Medicare plans from insurers including BlueCross (BlueAdvantage and Blue Essential), Cigna HealthSpring, Devoted Health, Humana, UnitedHealthcare and WellCare. The chart is from January 2025, so confirm with the plan before you switch during Medicare's annual enrollment period, October 15 to December 7, 2026.

About 17.8% of Knox County residents are 65 or older, compared with 14.4% in the city of Knoxville, according to Census estimates.

Bronze or silver: what did Knox County pick?

Marketplace plan selections for 2026 (CMS)
MeasureKnox CountyTennessee
People who picked a plan38,099569,310
Received a premium tax credit88.1%90.3%
Average monthly premium before credits$767$838
Average monthly premium after credits$155$141
Picked a bronze plan54.2%56.1%
Got extra savings on a silver plan37.3%34.6%

Prices before credits in Knox County were below the state average, but the average after credits was higher. More than half of enrollees picked bronze. A bronze plan's lower premium can cost more over a year that includes surgery or a hospital stay, so compare the deductible and the out of pocket maximum, not just the monthly price.

Our plan cost calculator shows what you would pay for a medical bill under a plan's deductible and coinsurance. Census estimates put Knoxville at 202,021 residents, with 13.3% of people under 65 uninsured, compared with 9.8% across Knox County.

How can an agent help Knoxville residents?

An agent can price plans from several insurers side by side and check UT Medical Center, Covenant and your own doctors in each 2027 network. Open enrollment runs November 1, 2026 to January 15, 2027. Choose by December 15, 2026 for coverage that starts January 1.

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.

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Tennessee guide

Health insurance in Tennessee

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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Common questions

Does UT Medical Center take marketplace plans?

UT Medical Center lists BlueCross BlueShield of Tennessee Network L and Network S, Cigna Connect and UnitedHealthcare's Tennessee Individual Exchange Benefit Plan. Cigna's individual plans end after 2026, so confirm any 2027 plan with the insurer.

Does Covenant Health take marketplace plans?

Covenant's chart, current as of January 2025, lists Ambetter, BlueCross Network S and Cigna Connect under health care exchanges. Check the 2027 plan before you enroll.

Is Covenant Health still in network with UnitedHealthcare?

For Covenant Medical Group, yes. Covenant says it agreed with UnitedHealthcare to renew their contracts for Medicare Advantage and employer plans, so care continues without interruption.

Which BlueCross network is on both UT Medical Center's and Covenant's lists?

Network S. It is the BlueCross marketplace network both lists include. Confirm it in the 2027 plan's directory before you enroll.

Sources

Rules change. Confirm dates and eligibility with your marketplace, your state Medicaid agency or Medicare before you enroll.

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