15 Years Helping People Choose Coverage Confidently
We're an independent agency — not tied to any one carrier — so our advisors recommend what actually fits your life, your family, and your business.
We started Volunteer State Health because health insurance should never be this hard.
In 2010, our founder watched his sister — a self-employed graphic designer in her early 30s — spend three weeks trying to understand her health insurance options after losing her job. Three weeks. Dozens of confusing websites, conflicting information, and zero guidance from people who actually understood the system.
She eventually gave up and went uninsured for eight months. Four months later, she was in the emergency room with appendicitis. The bill was $34,000.
That's the story that built Volunteer State Health. We created this agency because navigating health insurance is genuinely difficult — and it shouldn't require a law degree to understand your options.
What makes us different
To make quality health coverage accessible, understandable, and affordable for every American — individual, family, or business — through honest, expert guidance and a service that costs you nothing.
Our values
Licenses & credentials
Volunteer State Health is licensed to sell health, dental, vision, life, and supplemental insurance in all 50 states. Our agents are appointed with all major carriers including:
We Work for You,
Not the Insurance Company
As an independent agency, we represent you — not any single carrier. That means unbiased advice, transparent recommendations, and plans chosen to serve your best interest.
100% Independent & Unbiased
We're not owned by any insurance company. We shop across 50+ carriers to find your best match — no hidden agendas, no preferred plans.
Our Service is Free to You
Carriers pay us when you enroll, so our advice and plan comparisons cost you absolutely nothing. You pay the same — or less — than buying direct.
A Dedicated Agent for Life
Your personal Volunteer State Health advisor stays with you year over year — reviewing your plan, handling claims issues, and being there when life changes.
Fast, Simple Enrollment
Most clients are enrolled within 48 hours. Our streamlined digital process means no stacks of paperwork and no waiting weeks for coverage to begin.
Illustrative Stories From Tennessee Households
The scenarios below are illustrative examples built from common Tennessee situations, shared with first names only. They are not verified customer endorsements or a promise of results.
“I write songs in East Nashville. No salary, no W-2, just 1099s and royalty statements. An advisor helped me understand how ACA subsidies could work with income that changes tour to tour - I hadn't realized I might qualify for help at all.”
MarcusIllustrative example - Songwriter, East Nashville, TN
“Two of my kids ended up on CoverKids while my husband and I looked at a BCBS Tennessee plan that covers our Memphis pediatrician. Having someone map out the whole household made a confusing process feel manageable, as a parent working two jobs.”
TashaIllustrative example - Hospitality Worker, Memphis, TN
“Ten employees at my restaurant near Market Square in Knoxville. Group health used to feel impossible - every quote was a stack of paper that was hard to read. Working with a Tennessee-licensed advisor to compare group plan options helped my staff actually understand what they were signing up for.”
AnthonyIllustrative example - Restaurant Owner, Knoxville, TN