2027 marketplace changes in Florida

Which insurance companies are leaving the Florida marketplace in 2027

Who is leaving, what's left in your county, and what to do before the deadline. Last checked October 5, 2026.

The short answer

One insurance company is confirmed as leaving the Florida marketplace for 2027, and one more is reported to be leaving.

Cigna (confirmed). Cigna is leaving the individual market in Florida on January 1, 2027, on and off the marketplace, as part of the nationwide exit it announced in April 2026. In 2026 it sold marketplace plans in 11 of Florida's 67 counties. source
Molina (reported). Molina is reported to be leaving the Florida marketplace: it filed 2026 rates but has no 2027 filing on the federal rate review site, and neither Molina nor the state has announced it yet. In 2026 it sold marketplace plans in 20 of Florida's 67 counties. source

Altogether, 23 of Florida's 67 counties lose at least one marketplace insurer.

How much choice is left

In the big metros you'll still have plenty of companies. Broward, Orange and Seminole lose two each and still have eight, and Hillsborough goes from seven to six. The squeeze is in smaller counties. Baker, Bradford and Hendry end up with three marketplace insurers, so if your doctors are only in one network there, you have little room to work with.

Some Floridians are on their second move in two years. Aetna stopped selling Florida marketplace plans for 2026. Anyone who landed on a Cigna or Molina plan after that needs a new plan again.

You may also have read that other Florida companies are leaving. Several of those reports were wrong or out of date, and I've laid out what's actually happening with each company on this page.

What I'd do in Florida this fall

If your plan is from Cigna, or from Molina, don't wait for the marketplace to place you. Pick before December 15, and check your doctors by name in the new network, especially specialists in Tampa, Orlando or Miami. Florida Blue sold marketplace PPOs in every county in 2026. If you're healthy and pay full price, price a nationwide PPO too.

What's left in your county

These are the 23 Florida 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.

On the marketplace, PPO plans were sold in 67 of Florida's 67 counties in 2026, and all 67 of those counties still have one after the exits. Those PPO plans come from Florida Blue.

See every county that loses an insurer

County	Insurer leaving	Insurers left	Who's left (2026 plans)	Marketplace PPO after
Baker	Molina	3	Ambetter (Centene); AvMed; Florida Blue	Yes
Bradford	Molina	3	Ambetter (Centene); AvMed; Florida Blue	Yes
Broward	Cigna; Molina	8	22 Health; Ambetter (Centene); AmeriHealth Caritas; Anthem (Elevance); AvMed; Florida Blue; Oscar; UnitedHealthcare	Yes
Clay	Molina	4	Ambetter (Centene); AvMed; Florida Blue; Oscar	Yes
Collier	Cigna; Molina	4	Ambetter (Centene); Anthem (Elevance); Florida Blue; UnitedHealthcare	Yes
DeSoto	Molina	4	Ambetter (Centene); Anthem (Elevance); Florida Blue; UnitedHealthcare	Yes
Duval	Molina	4	Ambetter (Centene); AvMed; Florida Blue; Oscar	Yes
Hardee	Molina	4	Ambetter (Centene); Anthem (Elevance); Florida Blue; UnitedHealthcare	Yes
Hendry	Molina	3	Anthem (Elevance); Florida Blue; UnitedHealthcare	Yes
Hillsborough	Molina	6	Ambetter (Centene); Anthem (Elevance); AvMed; Florida Blue; Oscar; UnitedHealthcare	Yes
Indian River	Cigna	4	Ambetter (Centene); Anthem (Elevance); Florida Blue; Health First Commercial Plans, Inc.	Yes
Lake	Cigna; Molina	7	Ambetter (Centene); AmeriHealth Caritas; Anthem (Elevance); AvMed; Florida Blue; Oscar; UnitedHealthcare	Yes
Marion	Molina	6	Ambetter (Centene); Anthem (Elevance); AvMed; Florida Blue; Oscar; UnitedHealthcare	Yes
Martin	Cigna	4	Ambetter (Centene); Anthem (Elevance); Florida Blue; Oscar	Yes
Miami-Dade	Cigna; Molina	7	Ambetter (Centene); AmeriHealth Caritas; Anthem (Elevance); AvMed; Florida Blue; Oscar; UnitedHealthcare	Yes
Orange	Cigna; Molina	8	Ambetter (Centene); AmeriHealth Caritas; Anthem (Elevance); AvMed; Florida Blue; Health First Commercial Plans, Inc.; Oscar; UnitedHealthcare	Yes
Osceola	Cigna; Molina	7	Ambetter (Centene); AmeriHealth Caritas; Anthem (Elevance); AvMed; Florida Blue; Oscar; UnitedHealthcare	Yes
Palm Beach	Cigna; Molina	7	Ambetter (Centene); AmeriHealth Caritas; Anthem (Elevance); AvMed; Florida Blue; Oscar; UnitedHealthcare	Yes
Pasco	Molina	6	Ambetter (Centene); Anthem (Elevance); AvMed; Florida Blue; Oscar; UnitedHealthcare	Yes
Pinellas	Molina	5	Ambetter (Centene); Anthem (Elevance); AvMed; Florida Blue; Oscar	Yes
Polk	Molina	5	Ambetter (Centene); Anthem (Elevance); Florida Blue; Oscar; UnitedHealthcare	Yes
Seminole	Cigna; Molina	8	Ambetter (Centene); AmeriHealth Caritas; Anthem (Elevance); AvMed; Florida Blue; Florida Health Care Plans; Oscar; UnitedHealthcare	Yes
St. Lucie	Cigna	4	Ambetter (Centene); Anthem (Elevance); Florida Blue; Oscar	Yes

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.

What happens to your plan

When an insurance company leaves, your plan doesn't stop overnight. It runs through December 31, 2026, and the company has to tell you in writing first. Federal rules require at least 90 calendar days notice when a company drops a plan, and at least 180 calendar days when it leaves a state's individual market entirely. If your company is leaving and you haven't seen that letter, call the company and ask for it.

What happens next is the part people get wrong. If no plan from your company is left on the marketplace, the federal rule (45 CFR 155.335) says the marketplace may move you to a plan from a different company. It doesn't say it will. The move has to fit state law, it follows the state regulator's direction, and without that direction the marketplace picks a "similar" plan. Nothing in that rule checks your doctors or your prescriptions.

If you bought your plan straight from the company, off the marketplace, the marketplace's re-enrollment rule doesn't reach you at all. You need to pick a new plan yourself.

Open enrollment on HealthCare.gov starts November 1. By then you should get 2 letters: one from your current company and one from the marketplace. The marketplace letter tells you which plan, if any, you'll be moved into if you do nothing by December 15. HealthCare.gov is plain that in some cases you won't be automatically re-enrolled.

Pick by December 15 and your new plan starts January 1. Pick between December 16 and January 15 and it starts February 1, which leaves January uncovered if your old plan ended December 31.

Miss open enrollment and you may still have a way in. Losing a plan because it's discontinued is on HealthCare.gov's list of qualifying events, and the federal rule gives you 60 days before and 60 days after the day your old coverage ends to pick a new plan. Don't build your plan around that window. Confirm you qualify before you count on it.

What to do now

Here's how I'd think about it, depending on where you are. Each path ends the same way: a call with me before the deadline.

Scenario 1 of 2

Your income qualifies you for help with the premium

If your household income qualifies you for the premium tax credit, the marketplace is usually where your most affordable coverage is, because that's the only place the credit can be used. So don't let the marketplace pick for you. Re-shop before December 15, look at every company still selling in your county, and check your doctors and prescriptions against the network of the plan you choose, not the one you had.

Next step: Send me your doctors, your prescriptions and your income estimate, and I'll help you pick the right Florida marketplace plan before the deadline.

Talk it through with Sam → Call 813-999-0101

Scenario 2 of 2

You pay full price and you're healthy

If you earn too much for the credit, you're paying the full marketplace price, and now you're paying it for whatever is left in your county. You have another option. Private plans with medical underwriting run on nationwide PPO networks and are priced on your health, which is how the price for a healthy person can come in under the marketplace's full rate. They ask health questions up front, and the company can decline you or leave out a past condition, so we go through the details together before you choose.

Next step: Call me and I'll price a nationwide PPO for your household next to the Florida marketplace plans in your county.

Talk it through with Sam → Call 813-999-0101

You can still get a nationwide PPO in Florida

Whatever the marketplace looks like in your county, you can still get a nationwide PPO in Florida through me. On the marketplace, PPO plans were sold in 67 of Florida's 67 counties in 2026, and all 67 of those counties still have one after the exits. Those PPO plans come from Florida Blue.

Private PPO plans with medical underwriting use networks that work across the country, and for a healthy person who pays full price on the marketplace, they're often worth pricing. I'm licensed in 36 states, and Florida is one of them.

Questions about insurers leaving Florida

Straight answers, no sales pitch.

Which insurance companies are leaving the Florida marketplace in 2027?

Cigna (confirmed) and Molina (reported). Altogether, 23 of Florida's 67 counties lose at least one marketplace insurer.

If my insurance company leaves, will I be moved to a new plan automatically?

Maybe, but don't count on it. The federal rule says the marketplace may move you to a similar plan from a different company, as state law and your state regulator allow. HealthCare.gov says that in some cases you won't be automatically re-enrolled, and if you bought off the marketplace, nobody moves you. Pick your own plan.

What's the deadline to pick a new Florida plan for 2027?

On HealthCare.gov, pick by December 15 for coverage that starts January 1. Open enrollment runs to January 15, but a plan picked after December 15 starts February 1.

Can I still get a PPO in Florida?

Yes. You can still get a nationwide PPO in Florida through me. On the marketplace, PPO plans were sold in 67 of Florida's 67 counties in 2026, and all 67 of those counties still have one after the exits. Those PPO plans come from Florida Blue.

Sources

Cigna sold individual marketplace plans in 11 of 67 Florida counties in 2026 (CMS 2026 plan data, counted by company) source
Cigna is leaving the individual market in Florida on January 1, 2027, on and off the marketplace, as part of the nationwide exit it announced in April 2026. source
Molina sold individual marketplace plans in 20 of 67 Florida counties in 2026 (CMS 2026 plan data, counted by company) source
Molina is reported to be leaving the Florida marketplace: it filed 2026 rates but has no 2027 filing on the federal rate review site, and neither Molina nor the state has announced it yet. source
After the confirmed and reported exits, 23 of 67 Florida counties lose at least one marketplace insurer and 0 are left with one, counting the 2026 plans of the companies that stay (CMS 2026 plan data) source
Florida marketplace PPO plans in 2026: 67 of 67 counties; after the confirmed exits: 67 (CMS 2026 plan data) source
Ambetter is not leaving Florida: plans from one of its companies, Sunshine State Health Plan, end after 2026, but Ambetter plans are still filed for the marketplace in every county Sunshine served, and Sunshine members get a letter. source
Ambetter Health of Florida is not gone either: one news list called it not returning, but it filed 2027 rates for plans sold off the marketplace. source
22 Health is not leaving Florida: the Florida Phoenix corrected an earlier report, and state regulators approved its 2027 rates. source
Florida Blue is not returning to the marketplace, because it never left: it sold marketplace plans in all 67 Florida counties in 2026. source
Aetna left the individual marketplace in Florida for 2026, when CVS Health exited the individual exchange business where Aetna ran its own ACA plans. source
HealthCare.gov says that by November 1 you should get 2 letters, one from your current insurance company and one from the Marketplace, and that in some cases you won't be automatically re-enrolled source
45 CFR 155.335(j)(3): when no plans from the same insurer are available, the Exchange "may enroll the enrollee in a QHP issued by a different issuer, to the extent permitted by applicable State law", as the state regulator directs or, if it does not, "in a similar QHP from a different issuer, as determined by the Exchange" source
HealthCare.gov open enrollment starts November 1; enroll by December 15 for coverage that starts January 1, or December 16 to January 15 for coverage that starts February 1 source
45 CFR 155.420: losing coverage is a triggering event, the loss date is the last day of the old plan's coverage, and the person has 60 days before and 60 days after it to pick a new plan source
HealthCare.gov lists "Your individual plan or your Marketplace plan is discontinued (no longer exists)" as a qualifying event for a special enrollment period source
45 CFR 147.106: an insurer that drops a product must give written notice at least 90 calendar days before coverage ends; one that leaves a state's individual market entirely must give at least 180 calendar days notice and cannot return to that market for 5 years source
After the confirmed and reported exits, Broward, Orange and Seminole counties go from 10 marketplace insurers to 8, and Hillsborough goes from 7 to 6 (CMS 2026 plan data, counted by company) source
After the confirmed and reported exits, Baker, Bradford and Hendry counties are left with 3 marketplace insurers, the fewest of any affected Florida county (CMS 2026 plan data, counted by company) source

Last checked October 5, 2026. I update this page when the 2027 plan list publishes in late October.

Got a letter? Bring it to the call.

Tell me your county, who's on your plan and what your letter says. I'll show you what's left on the Florida marketplace, price a nationwide PPO next to it, and help you pick before the deadline. I'm licensed in 36 states and work by phone.

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