Health insurance & Medicare · Memphis, TN (Shelby County)
Supplemental Health Insurance in Memphis, Tennessee
17.9% of Memphis adults aged 19 to 64 have no health insurance, well above the U.S. rate of 11.1%. Accident, critical illness, hospital indemnity, cancer, dental and vision coverage that can pay benefits alongside your main health plan. Olive, a licensed agent with Manna Financial Services, helps Memphis, TN households compare supplemental health insurance by phone or video, and the first conversation is free.
What matters for supplemental health insurance in Memphis
29.8% of Memphis households include children. Accident plans are a common choice for active families, while hospital and critical illness plans are more common for people with Medicare (14.3% of Memphis residents are 65 or older).
Memphis by the numbers
- 17.9% of Memphis adults aged 19 to 64 have no health insurance, well above the U.S. rate of 11.1%.
- 14.3% of Memphis residents are 65 or older, about 89,600 people, below the U.S. average of 17.7%.
- 7.6% of Memphis workers are self-employed, below the U.S. figure of 9.8%. Self-employed people have no employer plan for health, life or disability coverage.
- The median household income in Memphis is $51,211, well below the U.S. average of $78,538, the 2nd-lowest median household income of the 22 South U.S. communities on this site.
Memphis and nearby communities
| Place | Households with children | 65 or older | Uninsured adults 19–64 |
|---|---|---|---|
| Memphis | 29.8% | 14.3% | 17.9% |
| Houston | 31.2% | 12.1% | 28.9% |
| San Antonio | 32.8% | 13.4% | 23.6% |
| Dallas | 28.6% | 11.8% | 29.4% |
| U.S. | 29.8% | 17.7% | 11.1% |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates.
How we help with supplemental health insurance
- Accident and critical illness plans that pay cash benefits
- Hospital indemnity coverage for inpatient stays
- Dental and vision plans for individuals and families
- Pairs with ACA, employer or Medicare coverage
Rules that apply in Tennessee
- Supplemental plans pay fixed benefits and are not major medical coverage. They do not count as ACA minimum essential coverage.
- Many accident, critical illness and hospital plans pay benefits to you directly, to use as you choose.
- Waiting periods and pre-existing condition limits vary by policy, so we compare them before you apply.
Questions from Memphis
Is supplemental insurance the same as health insurance?
No. Supplemental plans pay limited, fixed benefits for specific events and do not replace major medical coverage. They work best alongside a health plan.
Do I need to visit an office in Memphis?
No. Olive works with Memphis and Shelby County households by phone or video, so you can compare options from home. Most applications and signatures can be completed online.
Talk with Olive about supplemental health insurance.
Free, no obligation, by phone or video. Or call or text (937) 388-5346.