Hayley ThomasFinding the right coverage can feel overwhelming, especially when you are trying to balance monthly premiums with real medical needs. Sorting through deductibles, copays, and plan details can quickly become stressful and confusing.
For freelancers, gig workers, and small business owners, having dependable health coverage is essential for long-term peace of mind.
To help simplify the process, we’ve rounded up the best health insurance options in Nashville. These local agencies and advisors focus on matching you with plans that fit your budget while still giving you access to quality care when you need it most.
How much does health insurance cost in Nashville?
Health insurance in Nashville costs around $470 to $560 per month for an individual plan, though tax credits often lower these out-of-pocket costs significantly.
| Coverage Scenario | Estimated Cost |
| Individual Average | $470 to $560 per month |
| 21-Year-Old Individual | $351 to $433 per month |
| 50-Year-Old Individual | $626 to $774 per month |
| Employer Family Plan | $26,993 per year |
1. Custom Health Advisors
Website: customhealthadvisors.com
Address: 1101 Kermit Dr Ste 400
Contact: 615-988-8700 | [email protected]
Hours: Monday to Thursday 8:00AM–8:00PM | Friday 8:00AM–6:00PM | Saturday 10:00AM–4:00PM | Sunday 12:00PM–4:00PM
Custom Health Advisors is one of the most flexible options we found. They’re licensed in around thirty states, which can be helpful if you travel frequently or move between regions for work.
Luke, the main advisor, is known for taking a more conversational approach. He focuses on explaining options without pushing you into a quick decision.
A friend of mine recently went through him to set up coverage and mentioned that the support didn’t stop after enrollment, which made the process feel more manageable over time.
Some of their private plans also help cover upfront costs for things like primary care visits and prescriptions, depending on the policy.
That said, the enrollment process can take a while for larger groups since they require individual consultations for each employee.
You also have to be mindful of potential data security risks mentioned in their privacy policies regarding cyber breaches.
Wonderful experience!! Luke is such a blessing to my family he was able to find affordable health insurance for my husband who at the time had no insurance whatsoever!He took a lot of time with us and was able to answer all the questions we had.I highly recommend if you are in need for health insurance to give him a call he will do whatever he can to find you a plan that’s affordable and best fits your health needs!
- Amber Dickerson | Google Reviews
If you are needing help navigating the complex health system, give Luke a call and he will be willing to serve and listen to all your questions and issues with the health system. Even if you are having problem finding a health insurance, Luke is who you need to call. Highly recommend
- Art Powers | Google Reviews
2. The Grace Agency – Medicare Advantage and Supplemental Plans
Website: thegraceagency.com
Address: 312 Pinnacle Pl
Contact: 800-923-7074
Hours: Monday to Friday 7:00AM–10:00PM | Saturday to Sunday 9:00AM–5:00PM
The Grace Agency focuses on helping clients navigate Medicare Advantage plans and also checks whether they may qualify for additional state benefits.
Even better, their consultation and enrollment support is provided at no direct cost to the client.
One of our researchers actually went in for a consultation here. The representative even helped submit his Medicaid application directly to the state, which made the process feel much more guided and hands-on.
The agency positions itself as an ongoing resource for clients rather than just a one-time enrollment service, which can be reassuring for people who want continued support.
That said, they do require appointments, so walk-ins aren’t an option if you need immediate help. They also don’t represent every insurance plan available in the area, so the options they present are focused on their network.
Karl is awesome. As I am a novice with health insurance (people in my firm handle that function), Karl was patient and very informative. I highly recommend Karl and The Grace Agency.
- Charles Frandsen | Google Reviews
I have dealt with and consulted the Grace Agency for advice on health insurance and Medicare policies for years. They have taken the time to understand the personal needs of my wife and myself and have always provided great service and advice. If you want someone who truly cares about getting you the right insurance coverage please give them a call. I highly recommend the Grace Agency!!!
- Steven Malone | Google Reviews
3. HealthMarkets – Will Myers
Website: willmyershealthinsurance.com
Address: 2021 Richard Jones Rd Ste 200
Contact: 615-307-9717
Hours: Monday to Thursday 9:00AM–5:00PM | Friday 9:00AM–4:00PM
Working with an agent who knows the community well can make the process feel more personal, and Will Myers leans into that advantage as a Nashville native.
He keeps communication straightforward, aiming to give clients clear explanations while helping them navigate access to a large network of carriers.
From what we’ve seen, his approach feels more like a relaxed conversation than a formal consultation. The focus is on education first, so clients can better understand their healthcare options before making decisions.
That can make the process feel less overwhelming, especially for people dealing with multiple plan choices
One limitation is that clients don’t really browse plans on their own. They rely on the agent to filter and present options. His outreach also tends to be more neighborhood-focused, which may feel a bit narrow depending on where you live.
A good friend of ours told us about her great experience using Will Meyers as her health insurance agent and he’s been the best. He’s been extremely patient with us helping educate us on the various options, plans and benefits. He’s one of the most informed agent I’ve come across.
- Wayne Pryor | Google Reviews
Will Myers has done a great job taking care of my insurance needs. He is friendly and professional. He communicates well and makes sure you are taken care of. I highly recommend Will Myers at Health Marketplace.
- Anna | Google Reviews
4. Health Quotes USA
Website: healthquotesusa.com
Address: 2451 Atrium Way
Contact: (615) 884-3400 | (866) 791-4550
Hours: Monday to Thursday 8:30AM–4:30PM | Friday 8:30AM–4:00PM
Finding affordable protection can feel simpler when you’re working with an independent agency that pulls from multiple carriers.
Health Quotes USA offers guidance at no direct cost, which helps remove upfront barriers for individuals and families exploring different coverage options.
From what we can tell, their team also leans on personal experience with the policies they offer, which can make conversations feel more grounded and practical.
They focus on breaking down plans side by side so it’s easier to compare pricing and coverage without getting lost in the details. Their long track record with clients also suggests they’ve spent time refining how they handle policy selection and support.
Unfortunately, users trying to upload extensive medical records may face digital file size restrictions on their web portal.
The office also also doesn’t operate on weekends, so any in-person or direct support has to wait until Monday.
Joan Terry snd her assistant, Patrick, have made the insurance process so incredibly seamless for our family! My husband and I have been navigating into new waters, and Joan has been there every step of the way providing excellent service and fast service. Cannot sing their praises high enough. Would recommend them to anyone and everyone looking for insurance help/needs. Their Customer Service is top notch. I’ve never experienced anything like it. Thank you, Health Quotes, USA, Joan and Patrick!
- Shelly Letendre | Google Reviews
OUTSTANDING customer service and support!!
Joan Terry was so professional as she guided me through the process of selecting insurance that was the best fit for us. Not only was she patient, but she was also incredibly knowledgeable. I highly recommend Health Quotes USA.
- Jean Young | Google Reviews
5. HQ Insurance
Website: hqinsurance.com
Address: 2451 Atrium Way
Contact: (615) 884-3535
Hours: Monday to Friday 8:00AM–5:00PM
Securing more comprehensive coverage at a lower price point is often easier here since they compare options across multiple carriers on your behalf.
HQ Insurance offers a range of life and health products designed to fit different family needs, rather than steering everyone toward the same standard plan.
They also seem to prioritize a more personal approach, with face-to-face meetings and annual policy reviews to adjust coverage as life circumstances change.
According to their clients, the agents stay fairly accessible during the process. They often communicate directly with clients and help them through claims rather than passing them off immediately.
One thing to be aware of is that some commercial policies may require upfront deposits before coverage begins.
They’re also closed on weekends, which can delay support if something comes up outside the workweek.
And if your needs involve international documentation, you might also need translation services on your own, as the agency focuses strictly on domestic policies.
Wow! Joan Terry helped me with health insurance quotes and she saved my family as much as $2815 this year; one of the policies she recommended was a policy that gives insurance agencies no commission. FIVE OUT OF FIVE STARS!
- Nancy Hoddinott | Google Reviews
I am not one to leave reviews but I have had such a great experience with HQ Insurance that I felt compelled to leave my very first review. I have been dealing with Insurance agencies for years (whether it be life insurance, auto insurance or health insurance). I think that we can all agree that it is rare to find ANY insurance agency or company that is easy to work with, much less efficient, knowledgeable, personable and always a quick response to questions and or concerns.
- Chase Martin | Google Reviews
