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Call Us NowRequest a Free QuotePacificSource Health Plans is leaving the individual Marketplace in Idaho, Montana and Oregon for 2027, affecting a combined 60,000 people. In Montana, PacificSource is ending all of its insurance operations. Providence Health Plan is also leaving the Oregon Marketplace.
If you have a PacificSource 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.
- PacificSource is leaving the individual Marketplace in Idaho, Montana and Oregon for 2027.
- About 60,000 people across the three states have PacificSource Marketplace plans.
- Your plan stays active through December 31, 2026 if you keep paying.
- Idaho has the earliest deadline in the country: open enrollment there ends December 15.
Where PacificSource Is Leaving the Marketplace
Each of PacificSource's states uses a different enrollment system and deadline, so check yours:
| State | Where to enroll | Key deadline |
|---|---|---|
| Idaho | Your Health Idaho | Open enrollment ends December 15 |
| Montana | HealthCare.gov | Enroll by December 15 for January 1 coverage. Montana open enrollment |
| Oregon | Oregon's state exchange (new for 2027) | Check the Oregon exchange for 2027 dates |
When Your PacificSource Plan Ends
Your current PacificSource 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 PacificSource 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.
We compare every Marketplace insurer in your ZIP code, check your subsidy and handle the switch at no cost to you. Call 888-730-6031 or request a free quote.
Your Replacement Options
Montana: Blue Cross and Blue Shield of Montana and Mountain Health CO-OP remain for 2027. Idaho: Several insurers remain on Your Health Idaho. Because Idaho's window closes December 15, do not wait. Oregon: Providence Health Plan is also leaving, so many Oregonians will need new coverage. Compare networks carefully, especially if you use Legacy Health or Providence hospitals.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 PacificSource 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 PacificSource 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.
For dates, insurers and rate changes in each state, see our guides to Oregon open enrollment, Idaho open enrollment and Montana open enrollment. Oregon now enrolls on Explore Health, and Idaho's window closes December 15.
PacificSource Leaving the Marketplace: FAQ
Is PacificSource leaving the Marketplace?
Yes. PacificSource is leaving the individual Marketplace in Idaho, Montana and Oregon for 2027.
When does my PacificSource plan end?
December 31, 2026, as long as you keep paying your premium.
What is the deadline in Idaho?
Idaho's open enrollment ends December 15, earlier than most states.
Is PacificSource leaving Montana entirely?
Yes. PacificSource is ending all of its Montana operations, not just Marketplace plans.
Next Steps for PacificSource 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
- Becker's Payer: PacificSource to exit ACA market, pull out of Montana
- Healthcare Dive: PacificSource exits ACA
- healthinsurance.org: Health insurers are exiting the Marketplace again
- HealthCare.gov
Related Guides
- What to do if your insurer leaves
- Cigna leaving the Marketplace
- Open enrollment deadlines
- How to compare Marketplace plans
About the author: Michael Sprague
Michael co-founded Vivna Insurance, a licensed independent agency in Deerfield Beach, Florida. He has worked in health insurance sales for more than a decade. Today, he helps Florida families and self-employed clients compare marketplace, short-term and supplemental plans. Licensed health insurance agent, Vivna Insurance (Agency NPN 19168641). Call 888-730-6031.
Reviewed by Heather Sprague, licensed health insurance agent.
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.
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