In Tennessee, how you can acquire individual health insurance would depend on the status of your health. There are cases that should allow you to get an individual insurance policy. Insurers in Tennessee are allowed to turn you down due to your health conditions and other factors. You will be asked about your health status now and its history. The insurers can then decide whether or not to sell you coverage. They can not deny individuals who are eligible for HIPAA. These individuals even have a choice between two option policies, namely the “high” and “low”. The benefits are similar to everyone else’s. Should the company not have these two options, they should offer the individual all kinds of policies available to their other clients.