Tennessee Medicare Advantage plans are approved county by county, so there is no single statewide plan list. Across the 54 counties covered here, choice ranges from 57 to 74 plans for 2026, and every one of those counties has plans available at a $0 monthly premium — between 53 and 69 of them, depending on where you live.
That county-line rule is the part people are never told. Your ZIP code decides your options more than anything else about you does, and it decides them for the 1,074,877 people on Medicare across these counties. Below, every county guide we have published for Tennessee, grouped into regions — each one built from the CMS plan data for that specific county.
The highest 2026 overall CMS Star Rating found among these Tennessee counties is 5 out of 5. Star ratings measure the plan, not the fit — a 5-star plan whose network excludes your doctor is still the wrong plan for you.
Start with your region
Pick the part of Tennessee you live in. Each region page lists its county guides, and every county guide carries that county’s own plan data.
East & Southeast Tennessee
20 county guides. See the East & Southeast Tennessee overview.
West Tennessee
13 county guides. See the West Tennessee overview.
Middle Tennessee
21 county guides. See the Middle Tennessee overview.
How to use these guides
Start with your county, then verify your doctors, prescriptions, pharmacies, premium, and maximum out-of-pocket exposure. A larger plan count does not make every plan a better fit, and $0 premium does not mean $0 total cost.
Questions about Medicare in Tennessee
How many Medicare Advantage plans are available in Tennessee?
Plan counts are set county by county, not statewide. Across the 54 Tennessee counties covered here, availability ranges from 57 plans in Campbell County to 74 in Davidson County for 2026, according to the CMS plan data.
Are there $0 premium Medicare Advantage plans in Tennessee?
Yes. Every county covered here has plans with a $0 monthly premium — between 53 and 69 of them depending on the county. A $0 premium plan is not a plan with no costs: you still pay the Medicare Part B premium, plus the plan’s copays and deductibles.
Why do Medicare plans differ between Tennessee counties?
Medicare Advantage plans are approved by CMS county by county, and carriers choose which counties to enter based on the provider networks they can build there. Two neighbouring counties can have very different options, which is why a statewide answer is never the answer you actually need.
Do I have to change plans if I move within Tennessee?
Usually yes, if you move to a county outside your plan’s service area. Moving triggers a Special Enrollment Period so you can choose a plan approved where you now live. Staying within the same county generally changes nothing.
Where can I get local help comparing Medicare plans in Tennessee?
Guardian Health & Wealth is an independent Medicare broker serving Tennessee, comparing Medicare Advantage, Medicare Supplement and drug coverage against your own doctors and prescriptions. Consultations are by phone or video at (270) 721-5069 and cost you nothing.