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The gazebo and trees on the town square in Collierville, Tennessee

Collierville · Shelby County, Tennessee

Collierville health insurance broker. When kids head off on their own.

Free help for Collierville parents with older kids. Child leaving for an out-of-state college, turning 26, or moving back home? We compare HealthCare.gov plans for every stage.

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Photo: "Collierville town square gazebo 2020" by Chase Via, via Wikimedia Commons, licensed under CC BY-SA 4.0. Cropped, resized, and converted to WebP. Modified from the original. This edited version is also licensed under CC BY-SA 4.0.

Questions we hear

Kids growing up,
plans changing?

Collierville's median age is about 41, by Census estimates. Parents of older kids ask us these.

“Will our plan work at an out-of-state college?”

Maybe not for routine care. Many plans have local networks. We check what's covered near the school.

“Our son turns 26 next year. What does he do?”

Losing a parent's plan usually gives him 60 days to choose his own marketplace plan. He applies as his own household if he's not your tax dependent.

“Our daughter moved back home. Can she join our plan?”

If she's under 26, often yes, at open enrollment or with a qualifying event. We compare that with her own plan.

Collierville by the numbers

A Shelby County
town.

Collierville is in Shelby County. Census Bureau estimates follow.

About 51,500

residents of Collierville in 2020-2024 Census figures.

$138,598

is Collierville's median household income.

About 80 in 100

of Collierville homes are owner-occupied.

About 41

is the median age of Collierville residents.

About 21 in 100

of Collierville workers mainly work from home.

About 7 in 100

of Collierville residents under 65 lacked coverage.

About 9 in 100

of Collierville adults 19-64 had only self-bought coverage.

Source for Collierville: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (tables B01003, B19013, B25003, B01002, B08301, B27010).

Paul Daniels
Paul DanielsLicensed health advisor · NPN 20986580

How we help

Family help
in Collierville.

We aren't tied to one insurer, so we compare Tennessee plans for the whole family. We add up the year and check each person's doctors.

When a student lives away for nine months, we look at how the plan handles care in that state. Some families keep one plan, while others set up a separate one. We price both.

Teen drivers, sports, and summer jobs can change a family's year. We note where each child spends their time and check the care they're likely to use there.

Grandparents nearby sometimes help with pickups and sick days, but they can't join your plan unless you claim them. We keep the plan to the people in your tax household.

Families with a teen athlete often see urgent care and imaging visits. We look at what each plan charges for those before the deductible.

When the youngest child ages off, parents may want a different plan. We help you re-shop for just two.

  • Help for families with college-age kids
  • Licensed in 30+ U.S. states · Paul Daniels, NPN 20986580
  • You do not pay us for our help. We are paid by the insurance companies when you enroll. Your price for a plan is the same whether you use us or sign up on your own. Commissions can differ by company.

How it works

Three steps
for your family.

Who's where

Ages, home ZIP code, and school locations.

Check networks

Care near home and near campus.

Pick a setup

One family plan or separate ones.

Book a 15-minute call
Free · No obligation · About a 15-minute call

Recommended on Facebook

What people say
about working with us.

“I’ve know Paul for years and definitely trust him in the health advisor dept! Working with small business owners he has been a great partner with explain options and provide solutions!”

Sandra D.
Facebook recommendation

“Paul was very helpful in my search for business group insurance. He was able to explain my options and answer all the questions I had before signing up. Highly recommend working with him!”

Adil J.
Facebook recommendation

What you get

Every kid
covered.

A child who ages off your plan without a new one can go uninsured until open enrollment. After our call, you'll have:

  • The date each child's coverage changes
  • Yearly cost for each family setup
  • Doctors checked at home and near school
  • A calendar note for December 15, 2026, the last day to pick for New Year's Day coverage

Straight answers

Collierville health insurance questions.

When is open enrollment in Tennessee for 2027?

Tennessee families use HealthCare.gov. As of October 19, 2026, under current law, you may sign up for 2027 from November 1, 2026, through January 15, 2027. A federal appeal about open enrollment dates is pending (City of Columbus v. Kennedy, 4th Cir. No. 26-1938), with oral argument set for October 30, 2026. Confirm the dates before you enroll. Pick a plan by December 15 for coverage that begins January 1.

Has Tennessee expanded Medicaid?

No. As of October 19, 2026, Tennessee has not adopted the ACA Medicaid expansion, according to KFF. Children and some parents may still qualify for state programs.

Can my student keep our plan while at school?

Yes, children can stay on a parent's plan until 26. The question is whether the network reaches the school.

Does my 26-year-old's income affect our price?

Only if they're in your tax household. If they file on their own, they apply on their own.

Can our college student get their own plan near school?

If they're not your tax dependent, they can apply in the state where they live.

When should our child apply after turning 26?

Before the coverage end date if possible. The 60-day window starts when your plan stops covering them.

Can our children be on a separate plan from us?

Yes. Children can be on a different marketplace plan or a child-only plan.

What if our child moves home after college?

Under 26, they can often rejoin at open enrollment or after losing other coverage.

More help

COBRA alternatives All areas we serve Nationwide private PPO plans

Open enrollment starts November 1

Comparing plans in Collierville?

Plan for the family on a free 15-minute call, or start a quote online. No commitment.

Book a 15-minute call Get a quote online

By Paul Daniels, licensed health insurance agent (NPN 20986580). Local facts checked October 19, 2026.

Disclaimer

Daniels Health Advisors LLC is an independent insurance brokerage—not HealthCare.gov, CMS, a state agency, a state insurance department, or an insurance company. Availability, premiums, networks, deductibles, and subsidies vary by zip, household, and plan year. Nothing here is medical, legal, or tax advice, or a guarantee of savings, approval, any-doctor access, or a “best” plan. Official: HealthCare.gov. To check an agent's license, contact your state's insurance department. Collierville / Shelby County, Tennessee.

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