If your insurance company is leaving the Marketplace, your current plan still covers you through December 31, 2026. After that, it ends, so you need a new plan for 2027. The simplest move is to pick one yourself during Open Enrollment, by December 15 for coverage that starts January 1. If you do nothing, the Marketplace may place you in a replacement plan, but that plan may not include your doctors or your medicines. At least nine insurers are exiting for 2027, including Cigna in 11 states.
- Keep paying your premium. Your current plan stays active through December 31, 2026.
- Choose a new plan by December 15, 2026, so there's no gap on January 1.
- Auto-assigned plans are often the lowest-cost option at your metal level, not the best fit.
- Losing a discontinued plan can also open a 60-day Special Enrollment Period.
Which Insurers Are Leaving the Marketplace for 2027
More insurers are leaving than joining this year. Here are the exits announced as of fall 2026.
| Insurer | Leaving these Marketplace states |
|---|---|
| Cigna | AZ, CO, FL, GA, IL, IN, MS, NC, TN, TX, VA |
| Molina Healthcare | Cutting from 14 states to six, including leaving Florida |
| Baylor Scott & White Health Plan | Texas |
| CareSource | Indiana, Ohio, West Virginia |
| Medica | Iowa, Kansas, Oklahoma |
| PacificSource | Idaho, Montana, Oregon |
| Mending | Maine, Oklahoma |
| Providence Health Plan | Oregon |
| Cox HealthPlans | Missouri |
Cigna's exit alone affects about 369,000 people. The change applies to Cigna's individual medical plans. Cigna coverage through an employer is not affected. In Florida, Sunshine State Health Plan members are moving to Ambetter, which stays in the market.
Five Steps to Take Now
- Read your exit letter. It confirms your end date and any plan the Marketplace may move you to.
- Keep paying. Missing a payment could end your coverage before December 31.
- List your doctors and prescriptions. You'll need them to compare networks and drug lists.
- Update your income. Your 2027 tax credit is based on what you expect to earn next year.
- Choose a plan by December 15. Then your new coverage starts January 1 with no gap.
If you're in the middle of treatment, call your doctor's office first. Ask which 2027 Marketplace plans they will accept. Then shop only those plans, so your care isn't interrupted. Need help? Call 888-730-6001.
What Happens If You Do Nothing
Some Marketplaces will place you in a similar plan from another insurer if you don't choose. However, the replacement is usually the lowest-cost plan at your metal level. As a result, it may have a different network, drug list and deductible.
Not every state does this, either. For example, Illinois and Colorado require members to pick a plan themselves. So waiting is risky. Compare your options and choose on purpose instead.
A licensed Vivna agent can match your doctors and medicines to plans from Ambetter, Oscar, UnitedHealthcare and more, at no cost to you.
Your Special Enrollment Period
Missed the December 15 date? You still have options. Open Enrollment on HealthCare.gov runs through January 15, 2027, for coverage starting February 1.
In addition, a discontinued plan counts as a loss of coverage. That can open a Special Enrollment Period, which generally lasts 60 days before or after the loss. Some states give extra time. Connect for Health Colorado, for instance, gave Cigna members until March 1, 2027. Learn more in our guide to buying health insurance after Open Enrollment.
How to Compare Replacement Plans
| Check this | Why it matters |
|---|---|
| Doctor and hospital network | Your new plan may not include your doctors |
| Drug list (formulary) | Your medicines may move to a higher cost tier |
| Deductible and out-of-pocket max | The 2027 maximum rises to $12,000 for one person |
| Monthly premium after tax credit | Subsidies are smaller now that enhanced credits ended |
| Plan type: HMO, PPO or EPO | It decides whether you need referrals or can go out of network |
Before you enroll, check if your doctor is in network. You can also use our Find a Doctor tool to search each carrier's directory. Then review how switching plans works.
If You Bought Directly From the Insurer
Bought your plan straight from the insurer instead of through the Marketplace? Then no one will move you automatically. You'll need to buy a new plan yourself to avoid a gap.
Also, compare both on and off the Marketplace. Only Marketplace plans come with premium tax credits. Healthy people who don't qualify for credits may also look at short-term health insurance in approved states, which costs less but covers less.
Insurance Company Leaving the Marketplace: FAQs
Is my Cigna plan still good for the rest of 2026?
Yes. Cigna Marketplace plans stay active through December 31, 2026, as long as you pay your premium.
Will my deductible carry over to the new plan?
No. Deductibles reset on January 1 anyway, so your new plan starts at $0. See when deductibles start over.
Can I stay with the same doctor?
Possibly. Choose a 2027 plan that includes your doctor in its network.
Do I lose my tax credit if my insurer leaves?
No. Your credit is based on income and household size. It moves with you to any Marketplace plan.
What if I miss every deadline?
Call us. We'll check for a Special Enrollment Period and other coverage options.
We'll compare replacement plans and handle the paperwork. Call Monday through Friday, 9am to 6pm.
Sources
- Becker's Payer Issues: Insurers exiting ACA markets
- Insurance Business: ACA carrier exits grow to nine
- ACASignups: Florida 2027 individual market changes
- HealthCare.gov: Special Enrollment Periods
- HealthInsurance.org: 2027 ACA open enrollment changes
Insurer exit details reflect public announcements as of October 2026 and may change. Deadlines shown are for HealthCare.gov; state-run Marketplaces set their own. Short-term health insurance is not ACA-compliant coverage and is available only in approved states. Vivna Insurance is a licensed, independent agency (NPN 19168641). We are not affiliated with HealthCare.gov or any government agency.