Last updated: November 1, 2026
I’m updating this page as insurers confirm their plans. KFF’s tracker was last updated on October 28, 2026, and its insurer information is as of October 28, 2026. Insurers can change their plans, so check your own notice.
If your health insurer is leaving the ACA Marketplace for 2027, you’ll need a new plan that starts January 1, and the self-employed have one more thing to get right: the income estimate that decides your premium tax credit. This page lists the insurers that have announced exits, state by state, with the source for each.
The main source is KFF’s tracker of insurer participation changes. KFF counted eleven insurers exiting at least one state and seven entering new ones as of October 28, 2026, after the enhanced premium tax credits expired at the end of 2025 (KFF). KFF says its insurer information is based on sources identified as of October 28, 2026, and may change. I checked every row below against KFF or the insurer’s or regulator’s own announcement. Where I couldn’t confirm something, I left it out or said so.
Insurers leaving, by company
| Insurer | States it's leaving | Full exit or Marketplace only | Source |
|---|---|---|---|
| Cigna | AZ, CO, FL, GA, IL, IN, MS, NC, TN, TX, VA | Full exit: both on and off the Marketplace | KFF |
| CareSource | IN, OH, WV | Leaves the Marketplace; off-exchange not stated | KFF |
| Centene | DE, NH | Leaves the Marketplace; off-exchange not stated | KFF |
| Medica | IA, KS, OK | Leaves the Marketplace; off-exchange not stated | KFF |
| PacificSource | ID, MT, OR | Leaves the Marketplace; off-exchange not stated | KFF |
| Providence | OR | Leaves the Marketplace; off-exchange not stated | KFF |
| Baylor Scott & White Health Plan | TX | Has notified regulators it will discontinue its individual Marketplace plans after December 31, 2026 | BSW Health Plan; KFF (as Scott & White) |
| Mending Health (formerly Taro Health) | ME, OK | Stops offering health insurance plans in Maine; exit from OK listed by KFF | Maine Bureau of Insurance; KFF |
| UnitedHealth | GA | Leaves the Marketplace; off-exchange not stated | KFF |
| Cox HealthPlans | MO | Marketplace only: keeps selling off-exchange in seven counties | CoxHealth; KFF |
| Molina | MS | Leaves the Marketplace per KFF's tracker; Molina hasn't published a state list (it told investors it will go from 14 states to six) | KFF; Healthcare Dive |
Cigna
- States it's leaving
- AZ, CO, FL, GA, IL, IN, MS, NC, TN, TX, VA
- Full exit or Marketplace only
- Full exit: both on and off the Marketplace
- Source
- KFF
CareSource
- States it's leaving
- IN, OH, WV
- Full exit or Marketplace only
- Leaves the Marketplace; off-exchange not stated
- Source
- KFF
Centene
- States it's leaving
- DE, NH
- Full exit or Marketplace only
- Leaves the Marketplace; off-exchange not stated
- Source
- KFF
Medica
- States it's leaving
- IA, KS, OK
- Full exit or Marketplace only
- Leaves the Marketplace; off-exchange not stated
- Source
- KFF
PacificSource
- States it's leaving
- ID, MT, OR
- Full exit or Marketplace only
- Leaves the Marketplace; off-exchange not stated
- Source
- KFF
Providence
- States it's leaving
- OR
- Full exit or Marketplace only
- Leaves the Marketplace; off-exchange not stated
- Source
- KFF
Baylor Scott & White Health Plan
- States it's leaving
- TX
- Full exit or Marketplace only
- Has notified regulators it will discontinue its individual Marketplace plans after December 31, 2026
- Source
- BSW Health Plan; KFF (as Scott & White)
Mending Health (formerly Taro Health)
- States it's leaving
- ME, OK
- Full exit or Marketplace only
- Stops offering health insurance plans in Maine; exit from OK listed by KFF
- Source
- Maine Bureau of Insurance; KFF
UnitedHealth
- States it's leaving
- GA
- Full exit or Marketplace only
- Leaves the Marketplace; off-exchange not stated
- Source
- KFF
Cox HealthPlans
- States it's leaving
- MO
- Full exit or Marketplace only
- Marketplace only: keeps selling off-exchange in seven counties
- Source
- CoxHealth; KFF
Molina
- States it's leaving
- MS
- Full exit or Marketplace only
- Leaves the Marketplace per KFF's tracker; Molina hasn't published a state list (it told investors it will go from 14 states to six)
- Source
- KFF; Healthcare Dive
KFF tracker updated October 28, 2026; KFF groups insurers by parent company and says the information may change. Cox's off-exchange detail comes from CoxHealth's August 7, 2026 announcement. Mending's name change is stated by the Maine Bureau of Insurance. 'Off-exchange not stated' means the source describes the Marketplace exit only.
A few rows need a closer look:
- Cigna is the largest. Our Cigna guide has the state-by-state detail on which Marketplace each of its 11 states uses and what happens if you do nothing.
- Cox HealthPlans is leaving the Marketplace but not the area. CoxHealth announced a partnership with Oscar Health, and the new Oscar plans will be sold through HealthCare.gov in eight southwest Missouri counties for 2027, built around the CoxHealth network (CoxHealth).
- Mending Health is the new name of Taro Health, per the Maine Bureau of Insurance, which says the company will stop offering health insurance plans effective January 1, 2027.
- Baylor Scott & White: KFF lists it as “Scott & White”. The health plan’s own page confirms it notified regulators of its intent to discontinue its individual Marketplace plans after December 31, 2026, and says Baylor Scott & White will continue to accept Marketplace plans.
The same list, by state
| State | Insurers leaving | Insurers entering |
|---|---|---|
| Arizona | Cigna | None listed |
| California | None listed | CalOptima Health |
| Colorado | Cigna | Colorado Access |
| Delaware | Centene | None listed |
| Florida | Cigna | None listed |
| Georgia | Cigna, UnitedHealth | Antidote Health |
| Idaho | PacificSource | None listed |
| Illinois | Cigna | None listed |
| Indiana | CareSource, Cigna | Independence Blue Cross |
| Iowa | Medica | None listed |
| Kansas | Medica | None listed |
| Maine | Mending Health (formerly Taro) | None listed |
| Minnesota | None listed | Aspirus Health Plan |
| Mississippi | Cigna, Molina | None listed |
| Missouri | Cox HealthPlans (Marketplace only) | Oscar plans built on the CoxHealth network |
| Montana | PacificSource | None listed |
| New Hampshire | Centene | None listed |
| North Carolina | Cigna | None listed |
| Ohio | CareSource | None listed |
| Oklahoma | Medica, Mending Health | None listed |
| Oregon | PacificSource, Providence | None listed |
| South Carolina | None listed | Oscar Health |
| Tennessee | Cigna | None listed |
| Texas | Cigna, Baylor Scott & White | Antidote Health |
| Virginia | Cigna | None listed |
| West Virginia | CareSource | Peak Health |
Arizona
- Insurers leaving
- Cigna
- Insurers entering
- None listed
California
- Insurers leaving
- None listed
- Insurers entering
- CalOptima Health
Colorado
- Insurers leaving
- Cigna
- Insurers entering
- Colorado Access
Delaware
- Insurers leaving
- Centene
- Insurers entering
- None listed
Florida
- Insurers leaving
- Cigna
- Insurers entering
- None listed
Georgia
- Insurers leaving
- Cigna, UnitedHealth
- Insurers entering
- Antidote Health
Idaho
- Insurers leaving
- PacificSource
- Insurers entering
- None listed
Illinois
- Insurers leaving
- Cigna
- Insurers entering
- None listed
Indiana
- Insurers leaving
- CareSource, Cigna
- Insurers entering
- Independence Blue Cross
Iowa
- Insurers leaving
- Medica
- Insurers entering
- None listed
Kansas
- Insurers leaving
- Medica
- Insurers entering
- None listed
Maine
- Insurers leaving
- Mending Health (formerly Taro)
- Insurers entering
- None listed
Minnesota
- Insurers leaving
- None listed
- Insurers entering
- Aspirus Health Plan
Mississippi
- Insurers leaving
- Cigna, Molina
- Insurers entering
- None listed
Missouri
- Insurers leaving
- Cox HealthPlans (Marketplace only)
- Insurers entering
- Oscar plans built on the CoxHealth network
Montana
- Insurers leaving
- PacificSource
- Insurers entering
- None listed
New Hampshire
- Insurers leaving
- Centene
- Insurers entering
- None listed
North Carolina
- Insurers leaving
- Cigna
- Insurers entering
- None listed
Ohio
- Insurers leaving
- CareSource
- Insurers entering
- None listed
Oklahoma
- Insurers leaving
- Medica, Mending Health
- Insurers entering
- None listed
Oregon
- Insurers leaving
- PacificSource, Providence
- Insurers entering
- None listed
South Carolina
- Insurers leaving
- None listed
- Insurers entering
- Oscar Health
Tennessee
- Insurers leaving
- Cigna
- Insurers entering
- None listed
Texas
- Insurers leaving
- Cigna, Baylor Scott & White
- Insurers entering
- Antidote Health
Virginia
- Insurers leaving
- Cigna
- Insurers entering
- None listed
West Virginia
- Insurers leaving
- CareSource
- Insurers entering
- Peak Health
Source: KFF, Tracking Insurer Participation Changes in the ACA Marketplaces in 2027, updated October 28, 2026 (names shown as KFF presents them). The Oscar detail for Missouri is from CoxHealth. 'None listed' means none in KFF's tracker, which may be incomplete. Not listed here: states with no announced exits.
KFF’s data comes with a warning that insurers can still change their plans, and that is why I’m keeping the date at the top of this page.
Changes that aren’t a clean exit
Two announcements don’t fit the table cleanly, so I haven’t forced them in:
- ConnectiCare (Connecticut). The state’s rate-filing chart says ConnectiCare, Inc. will not offer plans in 2027 while ConnectiCare Benefits, Inc. continues both on and off the exchange. The Connecticut Insurance Department describes these as internal consolidations, and says both ConnectiCare and UnitedHealthcare remain active in the state. The same chart lists a third carrier, “Connecticut Insurance Company, Inc.”, with 3,719 covered lives that moves from on-exchange to off-exchange only. The chart doesn’t say how that carrier relates to ConnectiCare, so I’m not calling it a ConnectiCare exit (Connecticut Insurance Department). If your plan is off-exchange only, you can’t get the premium tax credit on it.
- Molina. The table shows the one state KFF lists, Mississippi. Molina’s CEO told investors its ACA members would be concentrated in six states, from 14 today, according to Healthcare Dive (July 23, 2026), which suggests more exits than KFF lists. I haven’t found an official state-by-state list, so if you have a Molina plan, watch for your notice.
What happens if your insurer leaves
Your insurer will send you a letter before open enrollment. What comes next depends on where you live.
On HealthCare.gov, if your insurer isn’t offering similar plans next year, you’re re-enrolled in a comparable plan from a different insurer (HealthCare.gov). Federal rules let a Marketplace do this when an issuer has no Marketplace option left, to the extent state law allows (45 CFR 155.335). CMS calls the mapping from a 2026 plan to a 2027 plan a crosswalk, and uses it to re-enroll people who haven’t chosen a different plan (CMS, Plan Crosswalk).
In state-run Marketplaces, the rules differ. Our Cigna guide shows two examples. Connect for Health Colorado says Cigna customers must pick a new plan themselves. Georgia Access says that if your 2026 insurance company isn’t offering plans in your area for 2027, you need to select a new plan, and KFF lists Cigna as leaving Georgia.
Plans bought directly from the insurer, outside the Marketplace, don’t get the Marketplace’s automatic move. You’ll need to pick a plan yourself.
Even where the automatic move exists, treat it as a safety net. It keeps you from a gap in coverage, but it isn’t chosen around your doctors, your drugs or your budget. HealthCare.gov’s advice is to compare the premium against the deductible and out-of-pocket costs, and to check your doctors and drugs in each plan (HealthCare.gov). Choosing yourself also gives you the moment to fix the income on file, which matters more for the self-employed than for anyone else.
2027 open enrollment dates
On HealthCare.gov, the dates for 2027 coverage are (HealthCare.gov):
- November 1, 2026: open enrollment starts.
- December 15, 2026: last day to enroll or change plans for coverage that starts January 1.
- January 15, 2027: open enrollment ends. A plan chosen from December 16 on starts later, on February 1.
States with their own Marketplace can set different dates. Virginia, for example, lists January 29 as its last day (Virginia’s Insurance Marketplace), and healthinsurance.org keeps a state-by-state list of deadlines. Check your own Marketplace’s page.
The self-employed angle: your 2027 income estimate
Changing plans means you re-confirm your application, and for a freelancer that’s the part with money attached. HealthCare.gov says Marketplace savings for the self-employed are based on your estimated net income for the coverage year, after the expenses you deduct on Schedule C (HealthCare.gov). The advance credit is settled on your tax return, and from 2026 an excess is repaid in full (IRS).
Two things to do while you’re in the application:
- Estimate 2027, not 2026. Use your records and your pipeline, not last year’s return. If your income swings, build the estimate from conservative and likely cases, and update it during the year.
- Know where the line is. For 2027 coverage the credit stops at 400% of the poverty line, and our 2027 subsidy cliff guide shows how Solo 401(k), SEP IRA and HSA contributions can lower the income the credit is based on. The retirement contribution calculator helps you size the contribution.
New to Marketplace coverage as a freelancer? Start with the ACA Marketplace guide for freelancers, and see how the premiums you pay can be deducted in the self-employed health insurance deduction guide.
If your insurer is Cigna
Cigna’s exit is the largest, and it has its own guide with the full state table, the checklist with dates and what to do if you bought off-exchange: Cigna Is Leaving the ACA Marketplace in 2027: What Self-Employed Policyholders Should Do Now.
