Marketplace subsidies in Tennessee
Who is inside the 2026 marketplace subsidy range? A household of four is measured against $33,000. Tennessee has not adopted the full ACA Medicaid expansion.
The largest 2-bedroom Fair Market Rent gap among ranked metros in Tennessee is $497: Nashville at $1,798 and Memphis at $1,301.
Tennessee has no tax on wages. Combined state and local sales tax is 9.6%. The ACS effective property tax rate is 0.45%.
A household of four with $48,000 of income is about 145 percent of the $33,000 poverty guideline and is likely eligible for Marketplace premium tax credits. Likely inside the 2026 subsidy range.
Limits behind the page
| Household | 100% | 138% | 185% |
|---|---|---|---|
| 1 | $15,960 | $22,025 | $29,526 |
| 2 | $21,640 | $29,863 | $40,034 |
| 3 | $27,320 | $37,702 | $50,542 |
| 4 | $33,000 | $45,540 | $61,050 |
An illustrative household
Two adults, ages 34 and 32, filing jointly, plus children ages 8 and 3. Gross income $48,000 a year, about 145 percent of the poverty guideline in Tennessee. They rent. Nobody is marked disabled or pregnant.
Marketplace premium tax credits
Likely eligibleLikely inside the 2026 subsidy range
- Enhanced premium tax credits expired on January 1, 2026. This screen uses the 100 to 400 percent of poverty range for premium tax credits and does not estimate a premium dollar amount.
- Income is about 145 percent of poverty, inside the 100 to 400 percent premium-tax-credit range.
Food stamps (SNAP) tools in Tennessee
Other programs in Tennessee
- Food stamps (SNAP)
- Medicaid and CHIP
- WIC
- School meals
- LIHEAP
- Earned Income Tax Credit
- Child Tax Credit
- Lifeline
- SSI
- State programs
Large metros in Tennessee
- Nashville-Davidson--Murfreesboro--Franklin, TN · 2-bedroom FMR $1,798
- Memphis, TN-MS-AR · 2-bedroom FMR $1,301
- Knoxville, TN · 2-bedroom FMR $1,475
- Chattanooga, TN-GA · 2-bedroom FMR $1,340