Molina plan options are Marketplace HMO plans sold at the bronze, silver and gold levels in select states. Each one covers essential health benefits and in-network preventive care at no charge. However, Molina is shrinking to about six states for 2027 and leaving Florida, so first confirm Molina sells in your ZIP code.
- Molina sells Marketplace plans by metal level, and the 2026 plans we reviewed are HMOs that cover out-of-network care only for emergencies.
- For 2027, Molina says its Marketplace members will be concentrated in about six states, down from 14.
- Because Molina is leaving the Florida individual Marketplace for 2027, it is not a Florida option for next year.
- For 2027 coverage, the out-of-pocket limit on ACA plans is $12,000 for one person and $24,000 for a family.
- Premium tax credits stop above 400% of the poverty line, which is $63,840 for one person for 2027 coverage.
Where Molina plan options are available
Molina is best known for Medicaid, but it also sells Marketplace plans in some states. According to Healthcare Dive, its ACA members were spread across 14 states in 2026. For 2027, Molina expects them to be concentrated in about six states. However, Molina hasn't published a full state list in the sources we reviewed.
Here's what state sources confirm so far. Still, check your ZIP code on HealthCare.gov or your state exchange once 2027 plans post.
| State | Molina Marketplace status for 2027 |
|---|---|
| California | Listed by Covered California, but leaving Regions 15 and 18 |
| Washington | Filed 2027 rates with the state insurance commissioner |
| Florida | Leaving the individual Marketplace |
| Ohio, Illinois and Mississippi | Leaving the Marketplace, per state and news reports |
Shopping in one of these states? See our California health insurance guide or our Washington State coverage guide.
Molina bronze, silver and gold plans
Like every Marketplace carrier, Molina sorts its plans by metal level. The metal tells you how you and the plan split costs, not how good the care is. So a bronze plan and a gold plan can use the same network, a topic our guide to HMO, PPO and EPO plan types covers. In other words, the metal changes your costs, while the network stays the same.
According to HealthCare.gov, those numbers show roughly how much of the average person's covered costs each level pays. In other words, gold costs more each month but less when you use care. For a full breakdown, read how bronze, silver and gold plans compare.
Which level fits?
Consider a bronze plan, because it keeps premiums low and counts as HSA-eligible.
Choose a silver plan, since it is the only level that can lower your deductible and copays.
Look at a gold plan, which often costs less over a full year of visits and refills.
Real Molina plan options, side by side
We pulled two 2026 Molina Summary of Benefits documents to show how the plans work. Both are HMOs, so you use Molina's network for routine care. Also, both let you see a network specialist without a referral.
- $6,000 deductible for one person
- $10,150 out-of-pocket maximum
- First two primary care visits cost $1 each, then $40
- $0 deductible
- $2,000 out-of-pocket maximum
- $0 primary care visits and $0 preferred generics
That silver example is the version for enrollees who qualify for the most extra savings. In fact, that's why it costs so little at the doctor. Meanwhile, the bronze plan skips the deductible for those first primary care visits.
Plus, both plans cover in-network preventive care at no charge. However, neither covers routine out-of-network care, except emergencies or care Molina approves first. For more on that rule, see how Molina's doctor network works.
Before you compare Molina plan options, list your doctors and every prescription with its dosage. Then check each one against the plan's network and drug list. A cheap plan that drops your specialist rarely saves money by spring.
What Molina plan options cost
First, your premium depends on your age, ZIP code, tobacco use, household size and metal level. In addition, a premium tax credit can lower it if you qualify. For 2027 coverage, though, credits stop above 400% of the poverty line. That's $63,840 for one person and $86,560 for two.
Next, look past the premium. Your total yearly cost includes the deductible, copays and coinsurance you'd likely pay. Our guide to how the out-of-pocket maximum caps your costs explains the ceiling. Also see how premium tax credits are calculated.
How silver extra savings work
If your income is low enough, you may qualify for cost-sharing reductions, which HealthCare.gov calls extra savings. However, you get them only if you pick a silver plan. As a result, the plan's share of costs rises from 70% to between 73% and 96%, depending on your income. For example, HealthCare.gov shows a $750 silver deductible dropping to $300 or $500. Also, your out-of-pocket maximum goes down. So if you qualify, compare Molina's silver plans first.
Starting with tax year 2026, there's no cap on paying back extra advance credits. So if your income rises above your estimate, you could owe the full difference at tax time. Update your Marketplace application as soon as your income changes.
A licensed Vivna agent can compare Molina with every plan in your ZIP code and check your doctors, at no cost to you.
If you live in Florida
Molina is leaving the Florida individual Marketplace for 2027. So Molina plan options are not available to Florida buyers for next year. If you have Molina in Florida now, your plan works through December 31, 2026, as long as you keep paying.
If you do nothing, the Marketplace may re-enroll you in a comparable plan from a different company. That plan may not include your doctors or drugs. So choose on purpose by December 15 for coverage on January 1.
Florida shoppers can compare the carriers still selling in their county in our Florida health insurance guide. You can also review UnitedHealthcare plan types and benefits and Oscar plan types and benefits where they sell. Then call 888-730-6001, and we'll check your doctors in each one.
How to compare Molina plan options
Start with your doctors and drugs, not the premium. Then follow these steps during Open Enrollment, which runs November 1 to January 15 in HealthCare.gov states.
- Confirm Molina sells in your ZIP code.
Molina's map is shrinking for 2027, so check before you plan around it.
- Estimate your income for next year.
Your tax credit and any extra savings depend on it.
- Check your doctors and prescriptions.
Search Molina's directory and drug list for each one.
- Compare total yearly cost.
Add 12 months of premiums to the care you expect to use.
- Enroll by December 15.
That gets coverage started on January 1 in HealthCare.gov states.
Pick the plan that covers your doctors, then pick the price.The rule our licensed agents repeat most
For carrier details, visit Vivna's Molina Healthcare carrier page or browse our answers to common Molina questions. Our Open Enrollment dates and checklist covers every deadline. Ready to see prices? Compare ACA and private plans for your ZIP code.
Molina plan options: FAQs
Are Molina Marketplace plans available in Florida?
Not for 2027. Molina is leaving the Florida individual Marketplace, so Florida buyers need another carrier for next year. Current Florida plans work through December 31, 2026, if you keep paying premiums. Then choose a new plan during Open Enrollment, by December 15 for coverage on January 1.
What types of Molina health plans are there?
Molina sells Marketplace plans at the bronze, silver and gold metal levels. The 2026 plans we reviewed are HMOs, which means you use the plan's network for routine care. They cover emergencies out of network. Also, you can see a network specialist without a referral on those plans.
Does Molina offer $0 premium plans?
Sometimes, if you qualify for a subsidy. When your income is low enough, the tax credit can cover the full premium on some bronze plans. Keep in mind that a $0 premium plan usually has a high deductible. So compare total yearly cost, not just the monthly price.
Are Molina Marketplace plans good for people with lower incomes?
They can be. Molina's silver plans offer extra-savings versions for people who qualify, with lower deductibles and copays. For example, one 2026 South Carolina version had a $0 deductible and a $2,000 out-of-pocket maximum. Still, check that your doctors are in the network before you enroll.
Do Molina Marketplace plans work with an HSA?
Some can. Since 2026, bronze and catastrophic plans available through an Exchange count as HSA-eligible. So if Molina sells a bronze plan in your area, you can usually pair it with a health savings account. That lets you set aside pre-tax money for care. Still, ask an agent to confirm the plan before you open an account.
Can I switch away from a Molina plan?
Yes. You can change plans during Open Enrollment each year, or after a qualifying life event such as a move or a job loss. If Molina leaves your state, you'll get a letter with your options. Then compare plans and pick one before the deadline, so the Marketplace doesn't choose for you.
Vivna's licensed agents compare plans from 50+ carriers. Call Monday through Friday, 9am to 6pm.
Sources
- Healthcare Dive: Molina plans additional ACA cuts in 2027
- NBC 6 South Florida: Insurers leaving Florida's marketplace for 2027
- Covered California: Rates and plans for 2027
- Molina Healthcare: 2026 Cascade Bronze Summary of Benefits (Washington)
- Molina Healthcare: 2026 Silver Core Summary of Benefits (South Carolina)
- IRS: Revenue Procedure 2026-26 (2027 applicable percentages)
Vivna Insurance is a licensed, independent health insurance agency (NPN 19168641). We are not affiliated with HealthCare.gov or any government agency. Plan availability, networks and benefits vary by state and change over time.