Molina 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

Molina Healthcare is shrinking its ACA Marketplace business for 2027. Molina will no longer offer Marketplace plans in Florida, Ohio, South Carolina, Mississippi, Kentucky, Illinois and Utah, according to healthinsurance.org. Molina has said it will focus on a much smaller group of states.

If you have a Molina 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 Molina Is Leaving the Marketplace

Molina cut its Marketplace membership from about 655,000 at the end of 2025 to about 267,000 by the third quarter of 2026 after raising rates about 30%. For 2027, it is leaving these states:

State	Exchange	Where to enroll
Florida	HealthCare.gov	Florida open enrollment
Ohio	HealthCare.gov	Ohio open enrollment
South Carolina	HealthCare.gov	South Carolina open enrollment
Mississippi	HealthCare.gov	Mississippi open enrollment
Kentucky	kynect	kynect.ky.gov
Illinois	Get Covered Illinois	getcovered.illinois.gov
Utah	HealthCare.gov	HealthCare.gov

When Your Molina Plan Ends

Your current Molina 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 Molina 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

Each state has other Marketplace insurers for 2027. For example, Florida, Ohio and South Carolina each have several carriers, including Ambetter, UnitedHealthcare and Oscar in many counties. In Mississippi, UnitedHealthcare, Oscar and Ambetter remain. Options vary by county.

If you are healthy and miss open enrollment, a short-term plan may bridge a gap in states where they are sold, but it is not ACA coverage.

Key 2027 Deadlines

Date	What it means
November 1, 2026	Open enrollment opens on HealthCare.gov and most state exchanges
December 15, 2026	Enroll by this date for coverage starting January 1, 2027
December 31, 2026	Your Molina 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 Molina 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.

Molina Leaving the Marketplace: FAQ

Is Molina leaving the Marketplace in 2027?

In several states, yes. Molina will not offer Marketplace plans in Florida, Ohio, South Carolina, Mississippi, Kentucky, Illinois and Utah for 2027.

When does my Molina Marketplace plan end?

December 31, 2026, as long as you keep paying your premium.

Will I be moved to a new plan automatically?

The Marketplace may assign you to a similar plan from another insurer, but it is better to choose your own plan by December 15.

Does this affect Molina Medicaid?

No. This change applies to Molina Marketplace plans, not Medicaid.

Next Steps for Molina 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. Healthcare Dive: Molina plans further ACA cuts
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.