Who is leaving, what's left in your county, and what to do before the deadline. Last checked October 5, 2026.
One insurance company is leaving the Colorado marketplace for 2027.
Altogether, 11 of Colorado's 64 counties lose at least one marketplace insurer.
Hi, I'm Sam Jaber. I'm a licensed health insurance broker in Colorado, and I help clients over the phone. The big development for 2027 involves Cigna. It's leaving the individual health insurance market entirely, both through Connect for Health Colorado and outside the marketplace. That means individual Cigna coverage in Colorado ends December 31.
Cigna's Colorado marketplace footprint was concentrated along the Front Range. During 2026, it offered plans in 11 of the state's 64 counties, stretching from Fort Collins and Greeley through Boulder, metropolitan Denver and Douglas County, then south toward Colorado Springs and Woodland Park.
In much of that area, Cigna's departure means one fewer choice among five or six insurers. Denver, Adams, Arapahoe, Jefferson, Larimer and Weld drop from 6 companies to 5. Boulder, Broomfield, Douglas and El Paso fall from 5 to 4. Teller County faces a tighter selection, going from 4 insurers to 3. Its remaining listed companies are Anthem, Kaiser Permanente and Select Health.
Imagine you're self-employed, running a bookkeeping business from Woodland Park. You picked Cigna because the doctors you visit are in Colorado Springs, down the pass. With only three companies to choose from next year, your first priority should be finding out which plans still include those Colorado Springs providers.
This won't affect most Colorado counties because Cigna wasn't selling marketplace coverage there to begin with. That includes Pueblo, Mesa County, Grand Junction, the ski areas of Summit, Eagle and Pitkin, the San Luis Valley and the eastern plains.
For many Colorado residents, premium increases are the more pressing issue. According to the Colorado Division of Insurance, final individual-market rates for 2027 are increasing an average of 10%. The increases range from 5.9% in rural eastern Colorado to 15.5% around Grand Junction. Colorado Premium Assistance and the state's reinsurance program will continue in 2027, while Colorado Access enters the individual market. Keep in mind that the county insurer totals above reflect this year's offerings, not additions such as Colorado Access or other changes for 2027. Even with premium assistance, you'll want to compare updated prices this fall because your costs depend on the plan you select.
Colorado's marketplace also has a network limitation worth knowing about: PPOs haven't been available there. Cigna sold EPO coverage, and not one of Colorado's 64 counties had a marketplace PPO from any insurer in 2026. If you need provider access beyond the Front Range, I can help you explore a private nationwide PPO. Because the application includes medical questions, we'll compare that option with your marketplace plans and review the differences before you choose.
Different state? Pick yours here.
These are the 11 Colorado counties where at least one marketplace insurer is leaving. For each one you can see who's leaving, how many marketplace insurers are left, and which ones.
The Colorado marketplace had no PPO plans in 2026, so none of the exits takes a PPO away; you just have fewer HMO, EPO and similar plans to pick from.
| County | Insurer leaving | Insurers left | Who's left (2026 plans) | Marketplace PPO after |
|---|---|---|---|---|
| Adams | Cigna | 5 | Anthem (Elevance); Elevate (Denver Health); Kaiser Permanente; Rocky Mountain Health Plans; Select Health | No |
| Arapahoe | Cigna | 5 | Anthem (Elevance); Elevate (Denver Health); Kaiser Permanente; Rocky Mountain Health Plans; Select Health | No |
| Boulder | Cigna | 4 | Anthem (Elevance); Kaiser Permanente; Rocky Mountain Health Plans; Select Health | No |
| Broomfield | Cigna | 4 | Anthem (Elevance); Kaiser Permanente; Rocky Mountain Health Plans; Select Health | No |
| Denver | Cigna | 5 | Anthem (Elevance); Elevate (Denver Health); Kaiser Permanente; Rocky Mountain Health Plans; Select Health | No |
| Douglas | Cigna | 4 | Anthem (Elevance); Kaiser Permanente; Rocky Mountain Health Plans; Select Health | No |
| El Paso | Cigna | 4 | Anthem (Elevance); Kaiser Permanente; Rocky Mountain Health Plans; Select Health | No |
| Jefferson | Cigna | 5 | Anthem (Elevance); Elevate (Denver Health); Kaiser Permanente; Rocky Mountain Health Plans; Select Health | No |
| Larimer | Cigna | 5 | Anthem (Elevance); Elevate (Denver Health); Kaiser Permanente; Rocky Mountain Health Plans; Select Health | No |
| Teller | Cigna | 3 | Anthem (Elevance); Kaiser Permanente; Select Health | No |
| Weld | Cigna | 5 | Anthem (Elevance); Elevate (Denver Health); Kaiser Permanente; Rocky Mountain Health Plans; Select Health | No |
County data: CMS 2026 marketplace plan data source. Insurers are counted by company, and the table uses each company's 2026 service area, so a company that enters or expands for 2027 isn't counted yet. I'll update it when the 2027 plan list publishes in late October.
Your coverage doesn't end immediately just because the insurer is leaving. The existing policy continues through December 31, 2026, and you're entitled to written notice beforehand. Federal requirements call for at least 90 calendar days of notice when an insurer discontinues a plan, or at least 180 calendar days when it withdraws completely from a state's individual market. Haven't received anything yet? Contact your insurer and request the notice.
Here's where people often misunderstand the process. Under federal regulation 45 CFR 155.335, the marketplace may place you with another insurer when your current company has no remaining marketplace plan. That's permission, not a guarantee. State law and the regulator's instructions govern the transfer. Without specific direction, the marketplace chooses a "similar" plan. The regulation doesn't require anyone to verify that your doctors or medications are covered.
Purchased your coverage directly from the insurer rather than through the marketplace? Its automatic re-enrollment provisions don't apply to your policy. You'll have to select replacement coverage on your own.
In Colorado, coverage is sold through the state-operated Connect for Health Colorado rather than HealthCare.gov. Enrollment for 2027 is open from November 1, 2026 through January 15, 2027. Your effective date depends on when you enroll, so look up the January 1 coverage deadline on Connect for Health Colorado and act ahead of it. The exchange's renewal notice explains whether you'll be transferred to another plan if you don't make a selection.
You might still qualify to enroll after the regular window closes. HealthCare.gov recognizes discontinued coverage as a qualifying event, and federal regulations allow 60 days before and 60 days after your old plan's termination to select replacement coverage. I wouldn't rely on that as your first choice. Make sure you're eligible before planning around those dates.
The way I'd approach this depends on your particular situation and where things stand for you. Whichever route makes sense, the next step is the same: let's talk on the phone before the deadline.
If your income puts you outside the tax credit range, you're responsible for the entire marketplace premium, with your choices limited to the insurers serving your county. That's when I'd also consider private coverage. Medically underwritten plans use nationwide PPO networks, and their pricing reflects your health. Healthy applicants may pay less than the marketplace's unsubsidized rate. There are tradeoffs: insurers ask medical questions and can reject an application or exclude a preexisting condition. We'll review those details together before you decide.
Next step: Give me a call, and I'll compare a nationwide PPO quote for your household with the marketplace coverage offered in your Colorado county.
Regardless of which insurers remain on your county's marketplace, I can help you obtain a nationwide PPO in Colorado. The Colorado marketplace had no PPO plans in 2026, so none of the exits takes a PPO away; you just have fewer HMO, EPO and similar plans to pick from.
For healthy people paying the entire marketplace premium, it's worth comparing private, medically underwritten PPO coverage. These plans offer networks extending nationwide. I carry health insurance licenses in 36 states, including Colorado.
Straight answers, no sales pitch.
Cigna (confirmed). Altogether, 11 of Colorado's 64 counties lose at least one marketplace insurer.
Possibly, but there's no guarantee. Federal rules permit the marketplace to assign a comparable plan from another insurer when state law and regulators allow it. HealthCare.gov specifically cautions that automatic re-enrollment isn't always available. And if your current coverage was purchased outside the marketplace, that process won't apply. My advice is to choose your replacement yourself.
The state marketplace in Colorado, called Connect for Health Colorado, accepts 2027 enrollment from November 1, 2026 through January 15, 2027. Your enrollment date determines when coverage begins. Check Connect for Health Colorado for the deadline to start January 1, and make your choice before the final week.
Yes. I can help you find a nationwide PPO available in Colorado. The Colorado marketplace had no PPO plans in 2026, so none of the exits takes a PPO away; you just have fewer HMO, EPO and similar plans to pick from.
Last checked October 5, 2026. I update this page when the 2027 plan list publishes in late October.
Call me with your county, the people who need coverage and the details of your notice. I'll compare the remaining Colorado marketplace plans with a nationwide PPO quote and help you decide before enrollment ends. I'm licensed in 36 states, and we can handle everything by phone.
Every state on the list, and guides for Colorado