Tennessee freelancers and small-business owners often search for a health sharing plan near me when Marketplace premiums climb. Chuck Huckaby is based in Lawrenceburg and works with people across Middle Tennessee — Nashville-area suburbs, smaller towns, and farther by video call or phone call when that is easier than driving.
What “near me” looks like with Chuck
You can call 931-264-4933, request a callback on the form, or download the free checklist first. Meetings are a short video call or phone call from his home office — conversation first, no pressure. Local folks in Lawrenceburg and nearby towns are welcome; so are Tennesseans elsewhere who prefer remote. “Near me” here means a real person in Tennessee who will talk through your situation, not a faceless national form letter.
How the plan Chuck offers fits a Tennessee household
Monthly contribution varies by age, household, and the per-incident amount you choose ($500–$5,000). Everyday benefits in the plan Chuck offers include unlimited virtual primary and urgent care 24/7, dermatology, mental-health support, 1,000+ prescriptions at $0, and 80 common labs free. Larger eligible bills above your IUA may be shared by the community. This medical cost sharing plan is not insurance.
Pre-existing conditions: 36-month lookback with phased sharing (year 1 none; year 2 up to $25,000; year 3 up to $50,000; year 4+ full for eligible needs). Tobacco or vape: extra $75 per month. Maternity: twice your IUA, max $5,000. Chuck will walk you through how those rules apply on a video call or phone call.
States where this is not offered
This medical cost sharing plan is not offered in CA, NM, PA, VT, WA, or FL. Tennessee is eligible to discuss; Chuck will confirm fit against the current guidelines.
ACA context for Tennesseans
Tennessee residents can also explore ACA Marketplace plans, which are regulated health insurance and a different product. This site does not run ACA enrollment. Chuck’s checklist simply places ACA and sharing side by side so you can see the contrast before you invest a long afternoon comparing quotes.
Ready for local help? Download the checklist, then book a video call or phone call — or call Chuck directly. If you want deeper reading first, start with how sharing works or the “is it insurance?” guide.
Middle Tennessee life has its own texture — rural drives from Lawrenceburg, clinic options in larger towns, and plenty of people who work for themselves. Chuck’s goal is not to sound like a national call center. It is to be reachable, clear about the not-insurance rule, and willing to say when an ACA plan looks like the better fit for someone’s medical history.
If you searched “health sharing plan near me” because you want a human in Tennessee, start with the checklist and a short video call or phone call. Bring questions about IUA, everyday virtual care, and any recent treatments. Chuck will map the plan he offers to your situation using the current guidelines — and he will repeat that this medical cost sharing plan is not insurance so the decision stays honest.
Neighbors sometimes ask whether TennCare or Medicare topics belong here. This site is aimed at self-employed people under 65 comparing ACA-style coverage with medical cost sharing. Other programs have their own rules; Chuck will tell you when a question is outside what this checklist covers.