Small Business Health Insurance in Tennessee

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Small Business Health Insurance in Tennessee

Welcome to’s resources for Tennessee Health insurance for small businesses. We know owning a business is challenging, and navigating health insurance marketplace can be overwhelming. We can work with you and your team to make sure you and your employees get the best possible coverage at the most affordable rate.

Help is just a phone call away: (615)-541-4257

How to buy Health Insurance for your Business in Tennessee

Speak with a HealthTN agent to secure insurance policy or compare your current coverage with other options. Even though there are a lot of online resources, small business health insurance is not something we recommend just signing up for online. It takes time and an expert knowledge of your specific needs. We can walk you through every step.

We have over 50 licensed and qualified agents, one of which is sure to be an expert in your area or worked with businesses with similar needs. Start by calling (615)-541-4257 and asking for an agent in your area. An agent can meet with you on-site or over the phone and at a time of your choosing, to help you navigate all of the small business health insurance options in Tennessee.

Tax Credit for Small Businesses

The tax credit for small businesses has relieved millions of business owners of the burden of paying health plan premiums for their employee’s. To qualify for the credit, small businesses must:

  • Have less than 25 full-time equivalent employees
  • Pay at least 50% of their employees’ health insurance premiums
  • Pay an average annual salary or wage less than $50,000.00 to each full-time employee
  • Here is a good reference for Small Business Health Care Tax Credit Scenarios

Owners are not included in the number of full-time employees. Their personal incomes and health insurance premiums are not considered as employee income and premiums. The tax credit cannot exceed the amount of tax liabilities.

Start the process of determining your tax credit by calling – (615)-541-4257

Some Frequently Asked Small Business Insurance Questions

Does it cost more for my small business insurance if I use an agent or a broker?

Not at all.  The premiums you pay will be the same with or without the help of an agent or broker.  Agents and brokers are paid by the insurance companies whose policies they sell.  On the contrary, an agent or a broker is likely to save you money on your premiums by accurately assessing your needs and available options. HealthTN’s agents are licensed with all of the major carriers so we can cross-compare the best plans in Tennessee.

How do I calculate the number of equivalent full-time employees in my business?

You can calculate your businesses FTE’s at the federal Marketplace. The FTE’s are not state specific, so what is calculated on the Federal level should apply to any business in Tennessee.  You can access the SHOP FTE calculator here.

What qualifies as a part-time employee in Tennessee and does my business need to give them health insurance?

A part-time employee is anyone who works less than 30 hours a week or less than 120 days per year.  So any seasonal employee that works 40 hours a week for less than 3 months would still be considered a part-time employee. Any business with less than 50 full-time employees does not have to offer health insurance at all. It would be safest to contact an insurance agent to verify your situation.

If I own a Sole Proprietorship, or am a Partner in a business, should I be counted as a full-time employee?

No, a sole proprietor or business partner should not be counted as a full-time employee. The same applies if you own more than 2% of a corporation.

I own a business in Tennessee, does Obamacare require me to offer my employees health insurance?

No, but large employers (more than 50 employees) who choose not to provide health insurance to their employees could face penalties.

Do independent contractors (Form 1099) qualify as full-time employees?

No, independent contractors that have worked for your business do not qualify as employees.

What does “Employer Shared Responsibility” mean under the Affordable Care Act?

Small Businesses with less than 50 employee’s represents over 95% of all Small Businesses and are completely exempt from the employer responsibility provisions.

I have a lot of seasonal Employees, how do I handle those? Do they count towards my full time employee count?

Employees with a regular annual employment that is generally 6 months or less per year are not considered full time employees.

*Note- suggests using a limit of 120 or less working days per year.

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Get Started by TN County


At we have been serving Tennesseans in West, Middle and East Tennessee for years. We’ve currently serve over 15,000 Tennesseans with all aspects of their health insurance needs. Can’t get out to see an agent? No problem We have trustworthy Local Tennessee Agents, in house, from all surrounding areas of Tennessee. Our agents can connect with you in minutes or meet with you in as little as 24 hours. Thank you for the chance to serve you and your families Health and Medicare needs!

This website is operated by Continental Health Alliance, LLC DBA and is not the Health Insurance Marketplace website. In offering this website, is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at
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