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Individual Insurance for CMA Members

Health Coverage Tailored for Tennessee’s Creative Community

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Affordable individual health insurance options for CMA members, powered by local expertise.

Finding the right health insurance shouldn’t be a solo act. Whether you’re between gigs, self-employed, or simply looking for a better option, the CMA Individual Insurance Program helps you navigate your options and enroll in the plan that fits your needs and your budget.

As a CMA member, you have access to a dedicated team of Tennessee-based advisors through our partner, Instrumental Healthcare. We understand the unique needs of artists, entrepreneurs, and freelancers across the state, and we’re here to simplify the process.

Why CMA Members Trust This Program

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Local support. National carriers. Exclusive savings.

With expert guidance and exclusive member benefits, you’re not just getting a plan, you’re gaining a partner in your health journey.

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Personalized plan guidance

Our team helps you evaluate Marketplace and off-Marketplace plans that meet your medical needs and financial goals.

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Exclusive CMA and Vanderbilt Health discount

Get 25% off your deductible and coinsurance charges — up to $2,000 per claim — when you receive care at Vanderbilt Health.

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Enrollment help year-round

From Open Enrollment to qualifying life events, we’re here when you need us.

77% of employees say rising medical costs are their top financial concern.

- MetLife Employee Benefit Trends Study 2025​

Whom This Is For

This program is designed for CMA members who don’t have access to employer-sponsored coverage and are exploring individual health insurance in Tennessee. That includes:

  • Self-employed artists and independent contractors
  • Members in between jobs or recently aged off a parent’s plan
  • Gig workers, freelancers, and early retirees
  • Families seeking flexible, budget-conscious plans

Note: This program includes ACA-compliant plans and is designed to support continuity of care and coverage.

What to Expect

Request a consultation

Complete our short intake form and a local advisor will reach out directly.

Review your options

Get clear, apples-to-apples comparisons on Marketplace and off-Marketplace plans.

Apply with confidence

We’ll walk you through enrollment and ensure you receive all eligible discounts, including the CMA/Vanderbilt Health benefit.

Let's Simplify Your Health Coverage

Get started today

Complete the form on our Contact Us page and mention you're interested in individual coverage. A dedicated advisor will reach out to help you take the next step.

Call us at 855-458-8486
Email: cmainfo@pancoastbenefits.com

Schedule a Consultation