The Molina provider network is the group of doctors, hospitals and pharmacies that contract with Molina for its Marketplace plans. Most Molina Marketplace plans are HMOs, so they cover care only inside the network, except emergencies. Also, Molina is leaving the Florida Marketplace for 2027, so Florida members need a new plan.
- The 2026 Molina Marketplace plans we reviewed are HMOs that don't cover out-of-network care, except emergencies or care Molina approves in advance.
- Those same plans let you see a network specialist without a referral.
- Molina is leaving the Florida individual Marketplace for 2027, so Molina is not a Florida option for next year.
- Molina says it will shrink its Marketplace business from 14 states to about six for 2027.
- Open Enrollment for 2027 coverage runs November 1 to January 15 in HealthCare.gov states, including Florida.
How the Molina provider network works
A provider network is a list of doctors and facilities that sign a contract with an insurer. In return, they accept lower, pre-set prices. So when you stay inside the Molina provider network, you pay those contracted rates, and your plan pays its share.
Molina is best known for Medicaid, and it also sells Marketplace plans in some states. This guide covers Marketplace plans only. Molina's Medicaid and Medicare plans use separate networks and rules, so check those with Molina directly.
What Molina Marketplace plans cover
We reviewed 2026 Molina plan documents from Washington and South Carolina. Both plans are HMOs, which means you use the plan's network for routine care. Here's what those documents show.
- In-network preventive care at no charge, with no deductible
- Network specialist visits without a referral
- Emergency room care and emergency transportation, even out of network
- Routine visits to out-of-network doctors, unless Molina approves them in advance
- Assuming every doctor who takes Molina Medicaid also takes your Marketplace plan
What approval in advance means
Some services need prior authorization, which means Molina must approve them before you get care. For example, the South Carolina plan says out-of-network care has no coverage unless Molina approves it first. So if your doctor orders a scan or a procedure, ask the office whether they sent the request. Then wait for the approval letter before your visit.
In short, the network is the plan. For a deeper look at HMO rules, see our breakdown of HMO vs PPO trade-offs. Then check your own plan's Summary of Benefits before you book a visit.
Where the Molina provider network is available next year
Molina is cutting back its Marketplace business. According to Healthcare Dive, its ACA members were spread across 14 states in 2026. After the 2027 changes, Molina expects them to be concentrated in about six states. However, Molina has not published a full state list in the sources we reviewed.
Here's what state sources confirm so far. Even so, check your ZIP code on HealthCare.gov or your state exchange when 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 |
Live in one of these states? Start with our California health insurance guide or our Washington State coverage guide.
If you have a Molina plan in Florida
Molina will stop selling individual Marketplace plans in Florida for 2027. So Molina is not a Florida option for next year. Your current plan still works through December 31, 2026, as long as you keep paying your premium.
If you do nothing, the Marketplace may re-enroll you in a comparable plan from a different company. However, that plan may not include your doctors or your drugs. So pick your 2027 plan on purpose by December 15 for coverage on January 1.
Your Florida switch checklist
- Read every notice.
Molina and the Marketplace will send letters. Keep them, because they list your options and dates.
- List your doctors and drugs.
Write down every doctor, hospital and prescription you use, plus each dosage.
- Check each one in a new directory.
Search every new carrier's directory, then call the offices to confirm.
- Enroll by December 15.
That date gets you coverage on January 1 with no gap.
- Keep paying Molina through December.
A missed premium can end your current coverage early.
For carriers still selling in your county, see our Florida health insurance guide. Also compare UnitedHealthcare's doctor network rules if it sells near you.
A licensed Vivna agent can check your doctors against every plan in your county and help you switch before December 15, at no cost to you.
How to search the Molina provider network directory
Molina's plan documents point you to MolinaMarketplace.com for a list of network providers. As a rule, the directory filters by state and plan type. So pick Marketplace, not Medicaid or Medicare, before you search.
- Choose your state and Marketplace plan.
A wrong plan type gives you a wrong list of doctors.
- Search by name, then by specialty.
Look up each doctor first. Next, search the specialty to find backups nearby.
- Check the exact address.
A doctor can be in network at one office and out at another.
- Call the office.
Ask if they take your Molina Marketplace plan and new patients.
- Save your proof.
Take a dated screenshot, because it helps if a bill comes back wrong.
Also, our Find a Doctor search hub links to every carrier's directory in one place. For more tips, read our steps to confirm your doctor before your visit.
Many offices accept Molina Medicaid but not Molina Marketplace plans. So when you call, say "Molina Marketplace" and give the plan name on your card. Then write down the date, the person you spoke with and their answer.
Out-of-network care and your rights
On an HMO, a planned visit outside the network usually isn't covered at all. In addition, that provider can bill you their full price. For real numbers, see what out-of-network care really costs.
The good news is that the federal No Surprises Act blocks many surprise bills. These protections apply to most private plans, including Molina Marketplace plans.
- Emergency care at any hospital
- Most outside doctors at an in-network hospital
- Care you booked from a wrong directory listing
- A planned visit to an out-of-network doctor
- Signing a form that waives your protections
- Care your plan doesn't cover at all
Plans must also verify directory listings at least every 90 days. If your doctor leaves mid-treatment, you may qualify for up to 90 days of continued care. Read what to do when your doctor leaves for next steps.
How to keep your doctors in the Molina provider network
Start with your doctors, not the premium. Then compare total yearly cost among only the plans that include them. Here's how we match people to their next step.
Choose a new carrier during Open Enrollment, after you check your doctors.
Watch for a renewal or exit letter, then confirm your doctors for 2027.
Search your doctors first, then compare prices among plans that include them.
This exit is about Marketplace plans, so check Medicaid changes with your state.
Search the network for your exact plan, not just the carrier name.The check our licensed agents repeat most
Next, see the Molina plans you can still buy, or visit Vivna's Molina Healthcare carrier page. Our guide to how the Open Enrollment window works covers every deadline. Then call 888-730-6001, and we'll run your doctors through each plan.
Molina provider network: FAQs
Is Molina leaving the Florida Marketplace?
Yes. Molina is leaving the Florida individual Marketplace for 2027. Your current plan works through the end of 2026 if you keep paying premiums. Then you need a new plan from another carrier. If you don't choose one, the Marketplace may re-enroll you in a comparable plan that may not include your doctors.
Does the Molina network cover out-of-network care?
Usually not. The 2026 Molina Marketplace plans we reviewed don't cover out-of-network care, except emergencies or care Molina approves in advance. So a planned visit to an outside doctor can leave you with the full bill. Also, check your own plan's Summary of Benefits, because details vary by state.
How do I check if a doctor is in the Molina provider network?
First, search the Molina provider directory for your state and pick your Marketplace plan. Next, call the doctor's office and ask if they accept your exact plan at that address. Finally, save a dated screenshot of the listing. If the directory was wrong, federal law limits what you owe.
Do Molina doctors require a referral to see a specialist?
Not on the 2026 Molina Marketplace plans we reviewed. Both plan documents say you can see a network specialist without a referral. However, some services may still need approval in advance. So read your plan's Summary of Benefits, or ask a licensed agent to check it for you.
What happens if Molina leaves my state?
Your plan keeps working through December 31 if you pay your premiums. Before then, Molina and the Marketplace send letters with your options. Then you pick a new plan during Open Enrollment. If you don't, the Marketplace may move you to a comparable plan from another company. So compare plans yourself to keep your doctors.
Is the Molina Medicaid network the same as the Marketplace network?
Not always. Molina runs separate networks for Medicaid, Medicare and Marketplace plans. A doctor can accept one and not another. That's why you should name your exact plan when you call an office. Also, this year's Marketplace exits don't by themselves change Molina Medicaid coverage.
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 South Carolina Summary of Benefits and Coverage
- CMS: No Surprises Act overview of key consumer protections
- HealthCare.gov: Automatic re-enrollment keeps you covered
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.