1,520,000
Total Medicare beneficiaries
58%
On Medicare Advantage
42%
On Original Medicare
$202.90
Standard Part B premium (2026)
Medicare Enrollment by County in Tennessee
The 15 most-populous counties by Medicare beneficiaries. Click any column heading to sort. Medicare Advantage percentage is the share of each county’s beneficiaries enrolled in an MA or other health plan.
| Shelby County | 171,521 | 51.4% |
| Davidson County | 108,467 | 62.3% |
| Knox County | 101,393 | 57.2% |
| Hamilton County | 84,304 | 58.1% |
| Rutherford County | 52,472 | 56.4% |
| Sullivan County | 46,829 | 71.4% |
| Williamson County | 45,571 | 47.0% |
| Sumner County | 41,634 | 58.8% |
| Blount County | 35,747 | 59.0% |
| Washington County | 35,055 | 64.4% |
| Montgomery County | 33,284 | 44.3% |
| Wilson County | 31,832 | 55.7% |
| Sevier County | 25,916 | 60.7% |
| Bradley County | 25,598 | 60.0% |
| Maury County | 25,527 | 50.8% |
Key Findings: Medicare in Tennessee
- 1Tennessee has about 1.52 million Medicare beneficiaries.
- 258% of Tennessee beneficiaries are enrolled in Medicare Advantage, above the national average of about 54%.
- 3Shelby County (Memphis) has the most beneficiaries at about 172,000, though its 51.4% Medicare Advantage rate is below the statewide average.
- 4Medicare Advantage penetration ranges from 71.4% in Sullivan County down to 44.3% in Montgomery County and 47.0% in affluent Williamson County.
- 5Williamson County has the lowest dual-eligible share among large counties at 2.7%, reflecting its high-income profile.
How Tennessee Compares to National Averages
Medicare Advantage penetration
Tennessee is at 58%, 4 points above the national average of about 54%.
Plans available
Nationally, the average beneficiary can choose from about 32 Medicare Advantage prescription-drug plans for 2026. The exact number available depends on your county.
Medicare Supplement (Medigap)
Nationally, about 41.9% of Original Medicare beneficiaries carry a Medigap policy (AHIP, 2023). State-by-state Medigap rates are not published in an open dataset, so this figure is national. In Tennessee, 42% of beneficiaries are in Original Medicare and therefore eligible to buy Medigap.
Find the Best Medicare Plan in Your Tennessee County
The right plan depends on where you live. Get a free, personalized review of the Medicare options available in your Tennessee county from a licensed advisor.
Get My Free Medicare ReviewMethodology & Sources
Enrollment and county data: Centers for Medicare & Medicaid Services, Medicare Monthly Enrollment, 2024 (data.cms.gov). Figures are 2024 annual counts. Medicare Advantage percentage = (beneficiaries in Medicare Advantage & Other Health Plans ÷ total beneficiaries) × 100. The county table shows the 15 most-populous counties of 95 total.
Part B premium: CMS, 2026 Medicare Parts A & B Premiums and Deductibles. The standard premium is set federally and is the same in every state; higher-income beneficiaries pay an income-related adjustment (IRMAA).
Plan counts and Medigap: KFF, Medicare Advantage 2026 Spotlight (CMS Landscape files); AHIP, The State of Medicare Supplement Coverage, 2023. These are reported as national figures only.
Limitations: Medicare Supplement (Medigap) enrollment and per-county plan counts are not available in an open dataset at the state or county level, so they are not shown per county. Percentages are rounded. Last updated 2026-06-11.
This page is for educational purposes. HealthPlan Connect is not affiliated with or endorsed by CMS or any government agency. Contact a licensed advisor for current plan options in your area.