2027 Open Enrollment guide
Insurers leaving the Marketplace in 2027
If your health insurance company is exiting the ACA Marketplace for 2027, you'll need a new plan. Here's who's leaving in our 17 states and what to do.
Insurers exiting the Marketplace for 2027 in our 17 states
| Insurer | Leaving the Marketplace in |
|---|---|
| Cigna | Arizona, Florida, Georgia, Indiana, Mississippi, Tennessee, Texas |
| CareSource | Indiana, Ohio, West Virginia |
| Medica | Iowa, Kansas |
| Molina | Mississippi, Ohio |
| Sunshine State Health Plan | Florida |
| UnitedHealthcare | Georgia |
| Cox Health Plans | Missouri |
| Baylor Scott & White Health Plan | Texas |
Based on state rate filings and healthinsurance.org state guides, September 2026. Some insurers still sell off-exchange plans, which don't qualify for tax credits.
New insurers for 2027
AmeriHealth Caritas is joining Indiana and Ohio, and Antidote Health Plan is joining Georgia. Check your state page for the full list.
How to switch without losing your doctors
- List your doctors, hospitals and prescriptions.
- Compare 2027 plans and filter by provider and drug.
- Check the deductible and out-of-pocket maximum, not just the premium.
- Enroll by December 15 and pay your first premium.
Frequently asked questions
Is Cigna leaving the ACA Marketplace in 2027?
Yes, in several states. Cigna is exiting the individual Marketplace at the end of 2026 in states including Arizona, Florida, Georgia, Indiana, Mississippi, Tennessee and Texas. Cigna members there need to choose a new 2027 plan.
What happens if my insurer leaves the Marketplace?
Your current plan ends December 31, 2026. During Open Enrollment you can pick any 2027 plan from the remaining insurers. Some exchanges may match you to a similar plan if you don't choose, but it may not include your doctors.
Do I lose my tax credit if my insurer leaves?
No. Your premium tax credit stays with you, not the insurer. You apply it to whichever new plan you choose.
When should I switch plans?
Choose your new plan by December 15, 2026 so it starts January 1, 2027 with no gap in coverage.