Baylor Scott & White Health Plan Leaving the Marketplace in 2027: What Members Need to Do

By Michael Sprague, Licensed Health Insurance Agent · Reviewed by Heather Sprague, Licensed Health Insurance Agent

Baylor Scott & White Health Plan is leaving the Texas individual market for 2027. About 100,000 Texans have Marketplace coverage with Baylor Scott & White and will need a new plan. Cigna is also leaving the Texas Marketplace, and Molina is scaling back.

If you have a Baylor Scott & White Health Plan Marketplace plan, your coverage continues through December 31, 2026 as long as you pay your premium. To avoid a gap, pick a new plan by December 15. A licensed Vivna agent can compare every plan in your ZIP code for free. Call 888-730-6031.

Where Baylor Scott & White Health Plan Is Leaving the Marketplace

Baylor Scott & White Health Plan sold Marketplace plans mainly in Central and North Texas. Its exit, along with Cigna's, means fewer choices in some Texas counties.

Insurer	2027 status in Texas
Baylor Scott & White Health Plan	Leaving the individual market
Cigna	Leaving the Marketplace
Antidote Health	Joining the Marketplace

When Your Baylor Scott & White Health Plan Plan Ends

Your current Baylor Scott & White Health Plan Marketplace plan stays in force through December 31, 2026 if you keep paying premiums. Claims for care you get in 2026 are still covered under your plan rules.

Starting January 1, 2027, the plan ends. Doctors and pharmacies will no longer accept your Baylor Scott & White Health Plan Marketplace ID card for 2027 services.

What You Need to Do Now

• Pick a new plan by December 15 so coverage starts January 1 with no gap.
• Do not rely on auto-renewal. The Marketplace may move you into a plan from another insurer, but it may not have your doctors or the lowest price.
• Update your 2027 income so your premium tax credit is right.
• Check doctors and prescriptions in each new plan's network and drug list.
• Restart any prior authorizations and ask your doctor about continuity of care if you are in treatment.
• Reset expectations on deductibles. Your new plan starts a new deductible on January 1.

Your Replacement Options

Texas still has many Marketplace insurers, including Blue Cross and Blue Shield of Texas, Ambetter, UnitedHealthcare and Oscar in many counties. Options vary by county.

If you use Baylor Scott & White hospitals and doctors, check which 2027 plans include them before you choose. See our Texas open enrollment guide and Texas short-term health insurance rules.

Key 2027 Deadlines

Date	What it means
November 1, 2026	Open enrollment opens on HealthCare.gov
December 15, 2026	Enroll by this date for coverage starting January 1, 2027
December 31, 2026	Your Baylor Scott & White Health Plan Marketplace plan ends
January 15, 2027	Open enrollment closes on HealthCare.gov. Plans picked now start February 1

Losing coverage because your insurer leaves may also qualify you for a special enrollment period, but do not wait. Picking a plan during open enrollment is the only way to avoid a gap.

Do Not Forget Dental, Vision and Extras

If your Baylor Scott & White Health Plan plan included or was paired with dental, vision or supplemental benefits, check whether those end too. You can add dental insurance, vision insurance or hospital indemnity coverage to a new plan.

If Your Insurer Is Leaving, You Are Not Alone

At least a dozen insurers announced Marketplace exits for 2027, according to healthinsurance.org, including Cigna in 11 states. Rising costs and the end of the enhanced federal subsidies are the main reasons. See our guides to Cigna leaving the Marketplace and what to do when your insurer leaves.

Baylor Scott & White Health Plan Leaving the Marketplace: FAQ

Is Baylor Scott & White Health Plan leaving the Marketplace?

Yes. It is leaving the Texas individual market for 2027.

How many people are affected?

About 100,000 Texans with Marketplace coverage.

Can I still see Baylor Scott & White doctors?

Possibly, if they are in network with your new plan. Check each plan's provider directory.

What is the deadline?

Enroll by December 15 for coverage starting January 1. Open enrollment ends January 15.

Next Steps for Baylor Scott & White Health Plan members

Choose a new plan by December 15 so your coverage continues on January 1. Compare premiums, deductibles, networks and drug coverage, and update your income. See open enrollment deadlines by state.

Want a licensed agent to help? Call 888-730-6031, Monday through Friday, 9 a.m. to 6 p.m. Eastern, or request a free quote.

Sources

1. Becker's Payer: Insurers exiting ACA markets
2. healthinsurance.org: Health insurers are exiting the Marketplace again
3. HealthCare.gov

Related Guides

• What to do if your insurer leaves
• Cigna leaving the Marketplace
• Open enrollment deadlines
• How to compare Marketplace plans

Vivna Insurance is a licensed independent agency, not a government website. Our help is free; we are paid by the insurance companies we work with. Coverage options, deadlines and costs vary by plan and state.