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The downtown Memphis, Tennessee, skyline across the water

Memphis · Shelby County, Tennessee

Memphis health insurance broker. For delivery drivers and contract workers.

Free help for Memphis drivers and freight workers who buy their own coverage. Driving routes as a contractor, working through a staffing agency, or picking up shifts with no health plan? We compare HealthCare.gov plans for your Memphis ZIP code. We are licensed in Tennessee.

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Photo: "Memphis Skyline 2015" by Trevor Birchett, via Wikimedia Commons, licensed under CC BY-SA 4.0. Cropped, resized, and converted to WebP. Modified from the original. This edited version is also licensed under CC BY-SA 4.0.

Questions we hear

On the road,
no health plan?

About 17 of every 100 Memphis residents under 65 had no health coverage, by Census Bureau figures. Drivers here ask us these.

“I get a 1099 for my driving. What income do I put down?”

Use what you expect to earn in 2027 after costs like gas and upkeep. A tax professional can help you sort out those costs.

“What if I get hurt on a route out of town?”

Under current law, Marketplace plans cover emergency care anywhere in the U.S. Regular visits are best near home, in your plan's network.

“The staffing agency offers a plan. Do I have to take it?”

No. You can buy your own plan. A tax credit depends on whether the agency's plan counts as affordable under federal rules. We check the offer.

Memphis by the numbers

A river city
in Shelby County.

Memphis sits on the Mississippi River in Shelby County. The Census Bureau provides these numbers.

About 619,000

people call Memphis home, Census 2020-2024.

$51,736

was the median Memphis household income.

About 45 in 100

of Memphis homes are owned by those living there.

About 34

is the median age in Memphis.

About 9 in 100

of Memphis workers mainly work remotely.

About 17 in 100

of Memphians under 65 had no insurance.

About 6 in 100

of Memphis adults 19-64 counted on a plan they bought alone.

Source for Memphis: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (tables B01003, B19013, B25003, B01002, B08301, B27010). Your plans, prices, and tax credit depend on your ZIP code, household, and income.

Paul Daniels
Paul DanielsLicensed health advisor · NPN 20986580

How we help

Driver help
in Memphis.

Tennessee plans from several insurers go side by side for you. Each shows a monthly price after any tax credit and a full-year cost in a heavy-care year.

Pay from driving can swing week to week. We help you land on one income number for the year.

If you drive for more than one company, we add the pay from all of them. The total is what counts.

Not every Memphis clinic takes every plan. We look up the doctors and hospitals near where you live.

  • Help for drivers and contract workers
  • Licensed in 20 U.S. states · Agent NPN 20986580
  • You do not pay us for our help. We are paid by the insurance companies when you enroll. Your price for a plan is the same whether you use us or sign up on your own. Commissions can differ by company.

How it works

Three steps
for drivers.

You and your ZIP

Ages and your Shelby County ZIP code.

Your 2027 pay

Routes, shifts, and other work, after costs.

Compare plans

Prices and doctors, one plan at a time.

Book a 15-minute call
Free · No obligation · About a 15-minute call

What you get

Coverage that rides
along with you.

A plan you buy yourself doesn't end when a contract does. After our call, you'll have:

  • One 2027 income number from your routes and shifts
  • A check of any staffing agency plan offer
  • The full-year cost of each Tennessee plan
  • Your target: pick by December 15, 2026, so coverage starts January 1, 2027

Straight answers

Memphis health insurance questions.

When is open enrollment in Tennessee for 2027?

Tennessee uses HealthCare.gov. As of October 27, 2026, HealthCare.gov gives the 2027 open enrollment window as November 1, 2026, to January 15, 2027. A court case about these dates, City of Columbus v. Kennedy, is still in the courts. Check HealthCare.gov for the latest dates. For a January 1 start, the last day to pick is December 15.

Has Tennessee expanded Medicaid?

No. As of October 27, 2026, KFF shows Tennessee has not adopted the ACA Medicaid expansion. Tennessee's Medicaid program is TennCare, and kids may qualify for TennCare or CoverKids.

Can I deduct my premiums as a contractor?

Some self-employed people may be able to. Ask a tax professional about your case.

What if I take a driving job with benefits?

You can end your own plan when the job plan starts. Tell HealthCare.gov so any tax credit stops on time.

Do I need my 1099 forms?

They help. Your 1099 forms and last tax return give us a better 2027 estimate.

Is Memphis in one county?

Yes. Memphis is in Shelby County.

What info helps on the call?

Your ZIP code, what you think you will make in 2027, and the doctors and drugs you count on.

Is there a plan just for drivers?

No. Drivers pick from the same Tennessee plans as everyone else. What changes is how we count your pay.

More help

Gig worker health insurance Truck driver health insurance How owner-operators get health insurance All areas we serve

Open enrollment starts November 1

Comparing plans in Memphis?

Sort it out on a free 15-minute call, or start a quote online. You're in charge.

Book a 15-minute callGet a quote online

By the Daniels Health Advisors team (agent NPN 20986580). Local facts checked October 27, 2026.

Disclaimer

Daniels Health Advisors LLC is an independent insurance brokerage—not HealthCare.gov, CMS, a state agency, a state insurance department, or an insurance company. Availability, premiums, networks, deductibles, and subsidies vary by zip, household, and plan year. Nothing here is medical, legal, or tax advice, or a guarantee of savings, approval, any-doctor access, or a “best” plan. For tax questions, talk with a tax professional. Official: HealthCare.gov. To check an agent's license, contact your state's insurance department. Memphis / Shelby County, Tennessee.