My Marketplace Plan Is Ending for 2027: What Happens Now?

Insurers decide every year which plans and counties they will offer. As of October 7, 2026, KFF's tracker lists 11 carriers that have announced they are leaving ACA Marketplaces in some or all of the states where they sell plans, and six that are entering new state Marketplaces.

One widely reported example is Cigna, which KFF says will leave the individual market in all 11 states where it participates, both on and off the Marketplace. KFF notes these changes follow the end of the enhanced premium tax credits after 2025. A plan can also end while the insurer stays, because insurers retire and replace individual plans from year to year.

If your plan is on the list, nothing about you changed. Your health, your eligibility and your right to buy a Marketplace plan are all the same. The plan on your card is simply not being offered anymore.

HealthCare.gov says you will get a letter telling you whether you are being kept in the same plan or moved to a different one. If your insurer is not offering any similar plan, the Marketplace may re-enroll you in a comparable plan from a different insurance company, and your insurer's letter explains your options.

Read the notice for four things: the name of the new plan and its insurer, the new monthly premium, whether your doctors and hospitals are still in the network, and whether your prescriptions are still on the plan's drug list. HealthCare.gov also warns that plan costs can change even when you are automatically re-enrolled, so the price on the letter is worth a second look.

Automatic re-enrollment is a safety net. HealthCare.gov says it re-enrolls you in a plan for next year so you avoid a gap in coverage. It keeps you insured. It does not look at your doctors, your prescriptions or how much care you expect to use.

You are not locked into the plan you were matched with. HealthCare.gov says you can enroll in the one you are matched with or in any plan available to you. If you want to avoid the automatic match or start a different plan on January 1, choose by December 15, 2026. If you would rather not have the matched coverage at all, HealthCare.gov says to log in before it starts to stop it.

A matched plan is built to keep you covered, not to fit you. A better fit may be a different plan from the same insurer, a different insurer, or a different metal level. A short comparison takes the guesswork out of the premium, the deductible, your doctors and your medications.

Open your Marketplace account and update the application with the income and household size you expect for 2027, because HealthCare.gov bases your savings on that estimate, not on last year's. Then look at each plan on four lines: monthly premium, what you pay before the plan helps and what you pay when you use care, whether your doctors are in the network, and whether your medications are covered. HealthCare.gov also notes that the Bronze, Silver, Gold and Platinum categories describe how costs are shared and have nothing to do with the quality of care. Our metal tier guide walks through the trade-offs.

Open Enrollment for 2027 coverage runs from November 1, 2026 through January 15, 2027 on HealthCare.gov. December 15, 2026 is the last day to enroll in or change plans for coverage that starts January 1.

If you enroll or change plans from December 16 through January 15, 2027 and pay your first premium, HealthCare.gov says coverage starts February 1, 2027. If your matched coverage has already started, you can still change plans until January 15, 2027. State-run marketplaces may set different deadlines, so check yours if you live in one. Our guide to ACA Open Enrollment has the season at a glance.

HealthCare.gov lists a Marketplace plan being discontinued as a qualifying event for a Special Enrollment Period. The usual window to act is 60 days, and your notice will say what applies to you.

Special Enrollment Periods have their own documents and timing rules. Our guide to ACA Special Enrollment Periods covers the common triggers, and health insurance between jobs covers one of the most common situations.

Alexander James is a licensed independent insurance agent. He can look at the plans offered in your county, check your doctors and prescriptions against them, help you estimate your 2027 income, and walk you through the application. There is no obligation to enroll. If you would rather do it yourself, HealthCare.gov and the Marketplace call center are always there.