Insurers Leaving the Marketplace in 2027

15 of the 23 states I’m licensed in are losing at least one marketplace insurer for 2027. The biggest exit is Cigna, which announced on April 30, 2026 that it is leaving the individual market in all 11 states where it sells, about 369,000 people nationally. 10 of those states are on this list; the eleventh is Arizona.

In Arkansas it’s two companies owned by Centene, Celtic Insurance Company and QualChoice Life and Health, that did not file 2027 rates, which normally means they won’t sell 2027 plans. Elsewhere, CareSource is leaving Indiana and Ohio, Molina is leaving Mississippi and Wisconsin, and Medica and Mending Health are leaving Oklahoma, with Medica also leaving Kansas.

If your insurer is on the list

1. Your 2026 plan ends December 31. Your insurer has to send you a notice that the plan is being discontinued, usually in the fall.
2. If you bought through the marketplace and do nothing, the marketplace may place you in a plan from a different insurer. That plan has its own network and drug list, and the doctors and hospital you use today may not be in it.
3. If you didn’t buy through the marketplace, nobody moves you anywhere. The coverage just ends.
4. Pick your 2027 plan by December 15 so it starts January 1 with no gap. Losing a plan this way generally counts as a qualifying event too, so you aren’t locked out after Open Enrollment, but a January gap is easy to avoid.

States with no exit reported

Alabama, Maryland, Michigan, Nebraska, Nevada, South Carolina, South Dakota and Utah have no insurer exits reported in the 2027 rate filings. Michigan is gaining one: Molina Healthcare has filed to enter Michigan’s individual market for 2027. Prices and networks still change in every state, so check your plan even if your insurer is staying.

Why insurers are pulling back

Enrollment fell in 2026 after the enhanced premium tax credits expired, and a smaller market leaves less room for insurers that were already small in a state. Blue Cross Blue Shield of Michigan’s filing, for example, projects its individual enrollment falling about 30% between 2025 and 2027. The same filings are behind the 2027 rate increases by state.

Sources: Cigna’s April 30, 2026 announcement as reported by STAT and Forbes (national and Colorado counts); ACASignups.net 2027 rate filing summaries for each state (the other exits, member counts, Michigan entry). Member counts are the latest published figures and are approximate. Checked September 14, 2026.