Is Your Health Insurer Leaving the ACA Marketplace? What to Do for 2027

If you've gotten a notice that your current health plan won't be offered next year, you're not alone. Several carriers have told state regulators they're stepping back from ACA marketplace sales for the 2027 plan year, and Florida is one of the states affected. Here's what's actually going on, and what to do about it.

What's changing for 2027

A handful of national and regional insurers have filed to stop selling ACA marketplace plans in some or all of their states, starting with 2027 coverage. If your carrier is one of them, nothing changes right away — your current plan stays in effect through the end of this year. The impact shows up when open enrollment opens on November 1, 2026, for coverage that starts January 1, 2027.

Which carriers have announced exits

The list has grown throughout 2026 as carriers submitted their 2027 filings. As of mid-2026, announced exits include:

• Cigna is pulling out of the ACA exchange in a number of states, including Florida, affecting a large share of its marketplace members.
• Aetna (CVS Health) is exiting the ACA marketplace entirely, a move that touches roughly a million members nationwide.
• Baylor Scott & White Health Plan is dropping exchange coverage in Texas.
• CareSource is stepping back from the Indiana marketplace, with related changes reported elsewhere.
• PacificSource is discontinuing ACA plans in a few Pacific Northwest states.
• A smaller insurer formerly known as Taro Health is exiting the marketplace business altogether.

This list isn't final — more carriers may announce changes before open enrollment begins. If you're in Florida on a Cigna marketplace plan, this applies directly to you.

Why insurers are pulling back

It comes down to a few things at once: marketplace enrollment softening in some states, rising medical costs pushing premiums higher, and enhanced premium tax credits scheduled to expire at the end of 2025 — which is expected to make coverage less affordable for a lot of households and shrink the pool of people buying marketplace plans. When the math stops working for a carrier in a given state, they file to exit instead of continuing to raise prices.

What to do right now

• Confirm whether your specific carrier and plan are actually affected in your county — exits are sometimes partial.
• Watch for your renewal notice this fall, which will tell you whether you're being automatically moved to a replacement plan.
• Shop during open enrollment (typically November 1 through January 15) instead of accepting whatever plan you're auto-assigned.
• Double-check that your doctors and prescriptions are covered by any new carrier — networks vary even within the same plan tier.
• Re-check your subsidy, since your premium tax credit can change when you switch carriers or plans.

Will you have a gap in coverage?

Not if you act during the enrollment window. A carrier leaving your market typically qualifies you for a Special Enrollment Period, and your existing coverage runs through the end of the current plan year regardless. The real risk isn't a coverage gap — it's ending up on a lower-quality replacement plan by default because you didn't actively compare your options.

Frequently asked questions

What happens if my health insurance company leaves the marketplace?

Your current plan stays in effect through the end of the current plan year. You'll need to choose a new plan during open enrollment for the following year, and a carrier exit usually qualifies you for a Special Enrollment Period so your coverage doesn't lapse.

Will I lose my doctors if my insurer leaves the marketplace?

Not necessarily — but you'll want to confirm your doctors and hospitals are in-network with whichever new carrier you choose, since networks differ even within similar plan types.

Does switching carriers cost anything if I use a broker?

No. Working with a licensed broker like me to compare replacement plans costs you nothing — brokers are paid by the carrier, not by you.