as you may not know that tn. has a new York city ins. salesman as Governor,,who came to tn. for the purpose of doing away with tn. care,,so they could sell worthless ins. to poor people for high prices..like he got rich doing in new york..so don't even look at cover tn. ins..thru the state it is priced high and not much good..may be when that new York city ins.salesman leaves office and new people come in,and look at the truth.it might change..but don't hold your breath,tn. opted out of the Federal program,so they could keep riping off the people..and no body running for Governor,is addressing the problem..