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.
Neighbors Who Found Coverage They Could Trust
“I write songs in East Nashville. No salary, no W-2, just 1099s and royalty statements. Volunteer State Health figured out my real income for ACA subsidies in about twenty minutes — turns out I qualified for help I didn't even know existed.”
Marcus T.Songwriter · East Nashville, TN
“Two of my kids ended up on CoverKids and my husband and I got a BCBS Tennessee plan that covers our Methodist pediatrician. They mapped the whole household for us. As a single mom of three working two jobs, I cannot tell you what that meant.”
Tasha W.Healthcare Aide · Memphis, TN
“Ten employees at my restaurant near Market Square. Group health used to feel impossible — every quote was a stack of paper I couldn't read. Volunteer State Health put together a Tennessee group plan that my whole staff actually understood. Three of my cooks renewed their leases here because the benefits were finally real.”
Anthony R.Owner, Smoky Mountain Kitchen · Knoxville, TN