Open Enrollment and the Marketplace Should Be Scary

Using our services does not increase your premiums!

Find the Perfect Tennessee Health Insurance Plan

I Hate Buying Insurance

For The Marketplace?

Affordable health insurance options are available in Tennessee

We simplify the process of finding the right health insurance coverage to fit your needs and budget. Our user-friendly online tools and filters make it easy to compare plans and select the best option for you.

No Hidden Fees, Just Helpful Guidance

You’ll always pay the same price for your plan whether you buy it directly from the insurance company or through us. There’s no obligation to purchase, and our expert guidance is completely free.

Step One

No Phone or Email Tag.
YOU choose when the Journey Begins.
Click on “Start your Journey”

Step Two

With over 20 years in the healthcare world, we listen, and then custom fit a program to fit your unique needs. Don’t fear Open Enrollment.

Step Three

You’ll choose the day & time for us to discuss your healthcare and prescription needs. Then, we follow up to help you choose the best fit for you and your family!

Get Your Journey Started

Too many optionsmakes health insurance confusing

We OFFER Hassle-Free Health Insurance Solutions!

Qualified Tennesseans may be eligible for financial assistance to help offset the cost of health insurance.

Ready To Find Your Perfect Plan?

Understanding Your Tennessee Health Insurance Coverage

Health insurance helps protect you from high medical costs. It covers a range of services, and you share the cost with your insurer through deductibles, copays, and coinsurance. There are several times in which you get to make these choices; open enrollment, aging out of a parents policy, or a qualifying life event.

Your healthcare needs are unique, so we offer a variety of plans to match your lifestyle and budget. Tennessee health insurance plans are categorized by metal levels: Bronze, Silver, Gold, and Platinum. These levels indicate the amount of coverage and your cost-sharing responsibilities.

Understanding Your Tennessee Health Insurance Coverage

Navigating health insurance can be confusing. Let us demystify it for you. Below, we break down common healthcare terms to help you make informed decisions about your coverage.

Common Healthcare Jargon Explained

Copay:

A fixed amount you pay for each medical service.

Coinsurance:

A percentage of the cost you pay after meeting your deductible.

Bronze plans:

Offer lower monthly premiums but higher out-of-pocket costs.

Gold plans:

Provide more coverage with higher monthly premiums and lower out-of-pocket costs.

Deductible:

The amount you pay out-of-pocket before insurance kicks in.

Out-of-pocket maximum:

The most you’ll pay for covered services in a year.

Silver plans:

Balance affordable premiums with moderate out-of-pocket costs.

Platinum plans:

Offer comprehensive coverage with the highest premiums but the lowest out-of-pocket costs.

FAQ’s

Must I schedule a call to talk to someone?

We realize that the internet sells people on “A Few Minutes or Less” and that it’s so easy that a Lizard can do it. Do you really want to hand one of your most important decisions in life over to a Neanderthal? It doesn’t need to be hard. It doesn’t need to take HOURS. Yet, we cannot understand you without hearing from you. Please schedule your initial call to discuss your needs, wants, hopes, and winning lottery numbers (you are reading this!) by clicking here >> Start the Journey

Is Financial Assistance Available?

Qualified Tennesseans may be eligible for financial assistance to help offset the cost of health insurance.

Does it cost more to use I hate buying insurance?

When we assist you in finding individual health insurance and.or affordable family health insurance through private insurance companies or the Tennessee health insurance marketplace, you do NOT pay extra.

Don’t Just Take Our Word For It! Read actual customer reviews!

      
   I Hate Buying Insurance.com
   3 Google reviews 
  Write a review 
  
 
 
   
 
 
        
   Rachel Albertson 
 July 19, 2023
 
 
  I have been using Joe and I Hate Buying Insurance for about 10 years. The value is not just in the pricing, it is in the expansive knowledge he has. He explained many options and coverages to me in layman’s terms. My policies are for accident insurance and critical illness. It is a relief being self employed knowing my income will be covered if I become ill.
  
 
       
   charman compton 
 March 6, 2021
 
 
  Joe has been so helpful in pointing me in the right direction for my insurance needs. He is knowledgeable and so helpful. I would recommend his services to anyone looking for new coverage or just wanting to review their options.
  
 
       
   Carolyn Goodman 
 August 24, 2020
 
 
  Joe has helped up tremendously find the best policies for health, life, and car insurance. Our family needs were very specific and he delivered 100%. We told him what we needed and it was done easily. Joe was always happy to schedule a call with us and took time to explain everything. He also saved us money! Plus he’s just a nice guy. Definitely recommend!

Browse a page

About
Contact
Privacy Policy
Terms of Use

I Hate Buying Insurance

“Cutting through the hype & mystery of the insurance industry.”
When an agency is wildly independent, it's easy to say,

Start Your Journey

Avoid Phone Tag - Click the button to schedule a call!

Schedule A Call

All Insurance Lines are a solution of the respective company(ies) purchased by the client. Joseph Graves, I Hate Buying Insurance, &/or its licensed insurance agents contracted to work with the agency, located at 629 Nickajack Trail, Monteagle, TN 37356, is an independent brokerage, representing dozens of carriers, but is not an insurer of insurance. All legal transactions / actions will be subject to the Laws of the State of Tennessee.

Joseph Graves, I Hate Buying Insurance, &/or its licensed insurance agents contracted to work with the agency, receive compensation based on the premiums for the insurance policies each sells. Further information is available upon request.

Not all products displayed on any company website or marketing piece may not be available in all jurisdictions &/or to all people. Limitations or restrictions may apply. No solutions available in New York. Our application process asks about your lifestyle and health; your answers will determine the best program that you might qualify for. Joseph Graves, I Hate Buying Insurance, &/or its licensed insurance agents contracted to work with the agency, cannot guarantee the issuance of coverage. The complete underwriting process must be complete before a final solution is offered.