If you have health insurance through the Affordable Care Act (ACA) Marketplace, 2027 could bring some important changes.
Several health insurance companies have announced that they will stop offering ACA Marketplace plans in certain states for the 2027 plan year. In some cases, insurers are leaving the individual market entirely, while others are simply reducing their service area or withdrawing from specific states.
According to the latest information available from KFF, at least seven carriers had announced Marketplace exits for 2027 as of July 30, 2026, while several other insurers announced plans to enter new state Marketplace markets.
The announced changes include several national and regional insurance companies.
Cigna is making one of the largest changes for 2027. The company is exiting the ACA individual market entirely after 2026.
Cigna currently has Marketplace and individual-market business in 11 states:
Approximately 369,000 Marketplace members are affected nationwide.
For Florida consumers enrolled in a Cigna ACA plan, this means their current Cigna Marketplace coverage will not continue into 2027.
Baylor Scott & White Health Plan is ending its ACA Marketplace participation in Texas for 2027. The change affects approximately 100,000 Marketplace enrollees in Texas.
CareSource is withdrawing from the ACA individual market in:
CareSource will continue offering individual coverage in some other states, including Georgia, Nevada and Wisconsin.
PacificSource is withdrawing from the ACA Marketplace in several states, including Idaho, Montana and Oregon.
Providence is ending its ACA Marketplace plans in Oregon for 2027.
Medica will no longer offer individual Marketplace plans in:
The company will continue offering Marketplace coverage in several other states.
Mending, formerly known as Taro Health, is ending its health insurance operations after 2026. The company currently offers Marketplace coverage in Maine and Oklahoma.
Other changes have also been announced for 2027, including Marketplace withdrawals by ConnectiCare in Connecticut, Cox Health Plans in Missouri, and Ambetter/Celtic in Delaware and New Hampshire.
Florida consumers should pay particular attention to the 2027 changes.
Cigna is leaving the Florida ACA individual market for 2027.
In addition, Sunshine State Health Plan is withdrawing its Marketplace offering in Florida. However, this is different from Cigna’s exit. Sunshine State Health Plan and Ambetter are both part of Centene, and affected members are expected to be transitioned to another Ambetter Marketplace plan.
This is an important distinction: not every carrier change means that a consumer will lose access to Marketplace coverage. In many situations, there may be other insurance companies and plans available in the same area.
There isn’t one single reason.
The ACA Marketplace has experienced changes in enrollment following the expiration of the enhanced federal premium tax credits at the end of 2025. KFF reports that Marketplace Open Enrollment sign-ups fell by more than one million from 2025 to 2026, and insurers are reassessing their participation and profitability in certain markets.
Insurance companies also consider factors such as:
For some insurers, the decision is to leave the individual market completely. For others, the strategy is to reduce the number of states or counties where they offer coverage.
If your insurance company is leaving your area, don’t panic—but don’t ignore the notice either.
Your current coverage generally continues through the end of your 2026 plan year. You should then review your available 2027 options during the applicable Open Enrollment Period.
When comparing plans, don’t look at the premium alone.
Consider:
Make sure your preferred doctors and specialists participate in the new plan’s network.
Check whether your medications are covered and what tier they fall under.
A plan with a lower monthly premium may have significantly higher costs when you actually use healthcare.
Verify that your preferred hospital and healthcare facilities are included in the plan.
Your household income can affect whether you qualify for premium tax credits and how much assistance you receive.
Look beyond the monthly premium. Consider premiums, deductibles, copays, coinsurance and the out-of-pocket maximum together.
One of the biggest mistakes an ACA consumer can make is assuming that their current coverage will simply continue unchanged.
Even if your insurance company remains in your area, your plan could have different premiums, benefits, provider networks or drug coverage for 2027.
That’s why reviewing your coverage every year is so important.
The ACA Marketplace is not disappearing in 2027, but the insurance companies and plans available to consumers can change from year to year.
Some carriers are leaving certain states, some are reducing their Marketplace presence, and other insurers are entering new markets.
If you receive a notice that your insurance company is leaving your market, take the opportunity to review your options rather than automatically choosing the first replacement plan you see.
A plan that looks inexpensive may not necessarily be the best plan for your doctors, prescriptions, hospitals and healthcare needs.
At Next Level Benefits, we help individuals and families review their ACA Marketplace options and understand the differences between available plans.
Don’t wait until your coverage changes to start reviewing your options.
Information about 2027 carrier participation can change as insurers and regulators finalize their plans. Consumers should verify current plan availability, premiums, benefits and provider networks for their specific ZIP code before enrolling.
