If you have gotten a letter saying your health plan will not be offered next year, you are not alone. A wave of carriers have announced they are pulling out of ACA marketplaces for the 2027 plan year, and Florida is one of the states affected. Here is what is actually happening, who it touches, and the exact steps to take so you are not scrambling in December.
Multiple national and regional carriers have notified state regulators they will stop selling ACA marketplace plans in some or all of their current states starting with the 2027 plan year. If your carrier is one of them, your current plan does not disappear today. It stays active through December 31, 2026. The change affects the plan you will be offered when open enrollment opens on November 1, 2026, for coverage starting January 1, 2027.
The list has grown through 2026 as carriers filed their 2027 plans with state regulators. Announced exits so far include:
This list is current as of mid-2026 and may grow before open enrollment. If you are in Florida and currently covered through Cigna's marketplace plan, this applies directly to you.
Not sure if your plan is affected? Carrier exits are filed state by state and do not always make headlines. The fastest way to know for certain is to have a broker check your specific plan and county.
Carriers point to a mix of factors: falling marketplace enrollment, rising medical costs pushing up premiums, and the scheduled expiration of enhanced premium tax credits at the end of 2025, which is expected to make coverage less affordable for many 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 rather than raise prices further.
You do not need to panic, but you should not wait until January either. A simple plan:
Not if you act during the enrollment window. A carrier exiting your market generally qualifies you for a Special Enrollment Period, and your existing coverage runs through the end of the current plan year regardless. The real risk is not a coverage gap, it is ending up on a lower quality replacement plan by default because you did not actively compare options.
Get a free comparison. Jade Benefits reviews every carrier available in your area, confirms your doctors are covered, and checks your subsidy eligibility, at no cost to you.
Your current plan stays in effect through the end of the current plan year. You will need to pick a new plan during open enrollment for the next plan year, and a carrier exit generally qualifies you for a Special Enrollment Period so your coverage does not lapse.
Announced exits include Cigna in several states including Florida, Aetna (CVS Health) exiting the ACA exchange entirely, Baylor Scott & White in Texas, CareSource in Indiana, PacificSource in Oregon, Idaho and Montana, and Mending exiting Maine and Oklahoma. More insurers may announce exits before open enrollment.
Not necessarily, but confirm your doctors and hospitals participate in the network of whichever new carrier you choose, since networks vary by insurer even within the same metal tier.
No. Working with a licensed broker like Jade Benefits to compare replacement plans costs you nothing, since brokers are paid by the carrier, not by you.
Let us compare every carrier available in your area and confirm your doctors are covered before you have to choose.
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