Insurers Leaving the Marketplace in 2027: Cigna and Others by State

Is Cigna Leaving the ACA Marketplace in 2027?

Cigna announced on April 30, 2026 that it will leave the individual market at the end of the year. KFF, the health policy research group, says Cigna will leave all 11 states where it sells individual plans, both on and off the exchange: Arizona, Colorado, Florida, Georgia, Illinois, Indiana, Mississippi, North Carolina, Tennessee, Texas and Virginia. KFF says Cigna reported more than 350,000 people enrolled through the Marketplace in early 2026. STAT News puts its individual and family membership at about 369,000.

Your 2026 Cigna coverage isn't ending early. Get Covered Illinois and Connect for Health Colorado both say current Cigna coverage stays in place through December 31, 2026. Illinois adds that you should keep paying your premium as usual. What changes is January 1: for 2027 you need a plan from a different insurer.

A few terms first. The Marketplace, or exchange, is where you buy Affordable Care Act (ACA) plans and get tax credits that lower your premium. In most states that's HealthCare.gov, run by CMS (the Centers for Medicare & Medicaid Services); some states run their own exchange. An off-exchange plan is an ACA plan bought straight from an insurer, without tax credits.

Where Cigna members will shop for 2027

• HealthCare.gov: Arizona, Florida, Indiana, Mississippi, North Carolina, Tennessee and Texas
• Georgia: Georgia Access
• Illinois: Get Covered Illinois
• Colorado: Connect for Health Colorado
• Virginia: Virginia's Insurance Marketplace

FreedInsure is a private insurance agency, not the Marketplace. Marketplace plan prices are the same with or without an agent. FreedInsure is paid by the insurance companies whose plans we sell; you don't pay us a fee. This page is general information about CMS and state exchange rules, not legal advice.

Last updated: November 7, 2026

What Happens If You Do Nothing When Your Insurer Leaves?

In HealthCare.gov states, the Marketplace may re-enroll you in a plan from a different insurance company. HealthCare.gov says: “If your company isn't offering plans for next year, we'll re-enroll you in a plan with a different insurance company.” That happens if you don't choose a plan or end your coverage by December 15.

The federal rule behind this (45 CFR 155.335) lets your state's insurance regulator decide which plan you're moved to. If the regulator doesn't, the Marketplace picks a similar plan from another insurer. You may hear this called a “crosswalk.”

Why it's better to pick your own plan

State-run exchanges handle it their own way

• Oregon: Providence and PacificSource won't offer individual plans in 2027, and Moda won't offer plans in Crook, Deschutes, Klamath, Lake, Marion, Polk, Umatilla or Union counties. Explore Health says it matched affected enrollees with a plan from another insurer, which may be used for automatic re-enrollment if you don't choose a plan.
• California: Covered California says Molina's roughly 1,600 members in Regions 15 and 18 can pick a new plan or move to the insurer with the lowest-cost plan at the same metal level.
• Illinois: Get Covered Illinois says Cigna and Molina members must choose a new plan for 2027.
• Colorado: Connect for Health Colorado says Cigna members need to pick a new plan for 2027, and have a Special Enrollment Period until March 1, 2027.
• Georgia: Georgia Access says it automatically re-enrolls members in their current plan, but if your 2026 insurer isn't offering plans in your area for 2027, you'll need to select a new plan.
• Maine: The Maine Bureau of Insurance says CoverME.gov members in Mending or Anthem PPO plans at the start of Open Enrollment will be automatically re-enrolled in another 2027 plan. It still encourages them to compare plans on CoverME.gov.
• Minnesota: Medica says it will move UCare Individual and Family members into the Medica plan most similar to their current coverage for 2027. They stay in that plan unless they choose another during Open Enrollment.
• Kentucky, Virginia and Idaho: we didn't find a posted rule. Read your renewal notice, and pick a plan yourself.

Missed the date?

HealthCare.gov lists a discontinued plan as a loss of coverage that may qualify you for a Special Enrollment Period, a window to enroll outside Open Enrollment. It's generally within 60 days of losing coverage, and you'll need documents. Don't count on it. Picking a plan during Open Enrollment avoids a gap.

If Your State Runs Its Own Exchange

State-run exchanges set their own dates and rules. Here's where FreedInsure can help with Marketplace plans for 2027, and where you'll go straight to your state:

• Georgia, New Jersey and New York: our agent can help you enroll through Georgia Access, Get Covered New Jersey or NY State of Health. Georgia: enroll by December 15 for January 1; Open Enrollment ends January 15, per Georgia Access. New Jersey: enroll by December 31 for January 1; Open Enrollment ends January 31. New York: Open Enrollment ends January 31; the January 1 cutoff isn't posted yet.
• California, Oregon, Illinois and Kentucky: FreedInsure isn't registered with these exchanges for 2027. Use Covered California, Explore Health, Get Covered Illinois or kynect. California and Oregon use December 31 for a January 1 start. In Illinois and Kentucky, it's December 15, and Open Enrollment ends January 15, 2027.
• Colorado, Idaho and Minnesota: our agent isn't licensed in these states. Use Connect for Health Colorado, Your Health Idaho or MNsure.
• Maine and Virginia: we don't sell Marketplace plans there. Use CoverME.gov or Virginia's Insurance Marketplace. In Virginia, we also sell private plans outside the Marketplace. They aren't ACA plans, tax credits can't pay for them, and approval depends on each plan's rules.

We also don't sell Marketplace plans in DC, Maryland, Nevada or Pennsylvania.