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

Your plan generally continues through its stated end date if premiums are paid. HealthCare.gov may enroll you in another plan, but not everyone is automatically enrolled. Check your notice and compare plans before December 15 for January 1 coverage.

Which insurers are leaving the marketplace in 2027?

As of October 7, 2026, KFF counts 11 exiting insurers. Cigna is leaving all 11 of its states, UnitedHealthcare is leaving Georgia, Baylor Scott & White is leaving Texas, and CareSource, PacificSource, Medica and Molina are leaving or shrinking in several states.

Can I keep my doctor if my insurer leaves?

Not automatically. A new plan has its own network. Check each plan's provider directory, or ask your doctor's office which plans it accepts, before you choose.

What is the deadline to choose a new plan?

December 15, 2026 for coverage that starts January 1, 2027, in most states. Open enrollment runs until January 15, 2027 in most states, but a plan chosen after December 15 starts later, usually February 1.

Why can my 2027 insurer options differ from the state total?

The state totals above do not mean every insurer sells plans in your county. Plans and networks can vary within a state. Enter your ZIP code on your state's official marketplace to see the plans sold where you live.

Do I lose my premium tax credit if my insurer leaves?

No. The credit is based on your income and household, not on your insurer, and it applies to any marketplace plan you choose. Update your application with your expected 2027 income so the credit is right.

What happens if my health insurance company leaves in 2027?

Which insurers are leaving the marketplace for 2027?

As of October 7, 2026, KFF counts 11 insurers that have announced they will leave the ACA marketplaces for 2027, in some states or in all of them, and six that will enter new states.

The largest exit is Cigna, which is leaving every state where it sold marketplace plans: Arizona, Colorado, Florida, Georgia, Illinois, Indiana, Mississippi, North Carolina, Tennessee, Texas and Virginia. These are the exits that affect states where we are licensed:

Cigna: all 11 states listed above.
UnitedHealthcare: Georgia.
Baylor Scott & White Health Plan: Texas.
CareSource: Indiana and Ohio, and West Virginia outside our states.
PacificSource: Idaho and Montana, and Oregon outside our states.
Medica: Iowa, Kansas and Oklahoma. In Missouri, Medica appears to be combining two of its companies into one.
Molina: shrinking from 14 states to 6. In Ohio it will sell one plan outside the marketplace and none on it.
Mending: Oklahoma.
Cox Health Plans: Missouri marketplace plans end, with plans outside the marketplace in some counties.
Sunshine State Health Plan (owned by Centene): Florida Marketplace plans end. Check your individual renewal notice for any replacement.

Lists like this keep changing until open enrollment starts, so check the date on this page and confirm your own insurer's plans in the letter it sends you.

What happens to my coverage when my insurer leaves?

Nothing changes before January 1, 2027. Your plan runs through December 31, 2026 as long as you keep paying your premium. An insurer that ends a plan must send you a letter with enough time to enroll in a new one, and it must offer you another plan it sells unless it is leaving your state completely.

You also have the right to buy any individual plan you are eligible for, from any insurer, through the marketplace or outside it.

HealthCare.gov may automatically enroll you in a different plan, but some people will not be automatically enrolled. Your letter explains what applies to you. State run marketplaces have their own rules, so read your notice and confirm any replacement.

For a separate plan-specific change in Florida, see what happens to Ambetter Florida Value in 2027. Ambetter is not leaving Florida.

If your insurer broke these rules, contact your state Department of Insurance.

What should I check before I accept the plan I am moved to?

If you are automatically enrolled, the replacement plan may not fit you. A different plan can have a different network, drug list and price. Check these five things:

Doctors and hospitals: confirm each one is in the new plan's network. Networks differ from insurer to insurer.
Medicines: look up each prescription in the plan's drug list and note which cost tier it falls in.
Total yearly cost: add 12 months of premiums to the out of pocket maximum to see the most you could pay in a year. The deductible counts toward that maximum, so do not add it again. For 2027 the legal limit on out of pocket costs is $12,000 for one person and $24,000 for a family.
Plan type: an HMO, PPO or EPO decides which doctors you can see and whether you need referrals.
Your savings: update your income and household on your application. The premium tax credit follows you to whichever plan you pick.

What are the deadlines?

Choose a plan by December 15, 2026 for coverage that starts January 1, 2027. Open enrollment ends January 15, 2027 in most states, and a plan chosen later usually starts February 1. State run marketplaces can set different dates. These dates apply to most states, including those that use HealthCare.gov:

Date	What happens
November 1, 2026	Open enrollment begins in most states.
December 15, 2026	Last day to choose a plan if you want coverage to start January 1, 2027.
December 31, 2026	Your current plan ends.
January 1, 2027	Coverage can start for a confirmed plan if its requirements, including payment, are met.
January 15, 2027	Open enrollment ends in most states. A plan chosen after December 15 starts later, usually February 1.

Some states differ. Idaho, for example, runs open enrollment from October 15 to December 15. Our state pages list the dates for every state where we are licensed.

What if I miss December 15?

Some people are automatically enrolled in another HealthCare.gov plan, but others are not. Check your notice and confirm coverage and payment. You can generally change plans until January 15, 2027; a plan chosen after December 15 usually starts February 1.

If you live in a state with its own marketplace, check its rules, because automatic enrollment and deadlines are not identical everywhere.

How many insurers will each of our states lose?

Ten of the 22 states where we are licensed already have a final insurer list for both years. Added up state by state, they go from 74 insurer listings in 2026 to 63 in 2027, a drop of 11. A company that sells in two states counts once in each.

Insurers selling marketplace plans, 2026 and 2027Each bar is the number of insurers selling plans somewhere in the state. New insurers joining for 2027 are included.

2026
2027

Arizona2026: 72027: 6
Georgia2026: 92027: 8
Idaho2026: 82027: 7
Indiana2026: 52027: 4
Iowa2026: 62027: 5
Missouri2026: 82027: 6
Montana2026: 32027: 2
North Carolina2026: 62027: 5
Tennessee2026: 62027: 5
Texas2026: 162027: 15

Source: Healthinsurance.org state marketplace pages and KFF, checked October 26, 2026

A state's count does not tell you how many insurers sell in your county. In 2026, for example, several north central Texas counties had only Blue Cross Blue Shield of Texas.

Florida, Kansas, Ohio and Oklahoma are not in the chart because the sources do not give a final count for both years. They appear in the table below.

What is changing in each of our 22 states?

Fifteen of the 22 states where we are licensed have at least one insurer leaving, joining or not yet final, as of October 26, 2026. "None reported" means the sources we checked list none.

State	Leaving after 2026	New for 2027	Insurers for 2027
Arizona	Cigna	None reported	6
Florida	Cigna and Sunshine State Health Plan; check any replacement in your own notice	None reported	Not final (16 in 2026)
Georgia	Cigna, UnitedHealthcare	Antidote Health Plan	8
Idaho	PacificSource	None reported	7
Indiana	CareSource, Cigna	AmeriHealth Caritas	4
Iowa	Medica	None reported	5
Kansas	Medica	None reported	Not final (6 in 2026)
Minnesota	UCare plans end (Medica plans replace them)	Aspirus Health Plan	6
Missouri	Cox (marketplace plans), and Medica is combining two companies	None reported	6
Montana	PacificSource	None reported	2
North Carolina	Cigna	None reported	5
Ohio	CareSource, and Molina (marketplace plans)	AmeriHealth Caritas	At least 9
Oklahoma	Medica, Mending	None reported	Not final (7 in 2026)
Tennessee	Cigna	None reported	5
Texas	Cigna, Baylor Scott & White	Antidote Health Plan	15

No insurer changes were reported for Alaska (2 insurers in 2027), Louisiana (6), Michigan (7), Nebraska (5), Nevada (9), South Carolina (6) and Utah (6).

Insurers can still change their plans for some counties. Treat the "Insurers for 2027" column as the state total, then check your own county on the marketplace.

Insurers and hospitals mentioned

Explore the organizations or brands discussed in this article. A mention does not mean every plan or location is covered.

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