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 Kentucky marketplace for 2027.
Altogether, 6 of Kentucky's 120 counties lose at least one marketplace insurer. In one of them, only one marketplace insurer is left.
Hi, I'm Sam Jaber, a licensed insurance broker, and Kentucky is one of the 36 states I'm licensed in. Molina, which sells as Passport by Molina here, is leaving kynect for 2027. Its marketplace footprint was the Bluegrass around Lexington: Fayette, Scott, Woodford, Jessamine, Clark and Bourbon counties, which takes in Georgetown, Versailles, Nicholasville, Winchester and Paris. If you bought a Molina plan through kynect, it ends December 31, 2026, and you need a new one.
This one is easy to miss. Molina filed 2027 Kentucky rates, so a quick look makes it seem like nothing changed. But its own filing offers a single plan sold off the marketplace only. A plan bought off kynect can't carry the premium tax credit, so for most people who use the credit, it isn't a real option.
Most of those six counties go from three marketplace companies to two. Bourbon County, around Paris, goes from two to one. There, the marketplace has exactly one company it can move you to if you don't choose, so check that your doctors, and the Lexington hospital you'd actually use, are in that network before the kynect deadline.
Kentucky has been through this before. CareSource is reported to have left the Kentucky marketplace for 2026; it has no 2026 rate filing. If you moved plans because of that, check where you are now before you renew.
Kentucky's marketplace sold no PPO plans in 2026, so Molina's exit doesn't take a PPO away. You can still get a PPO through me: a private nationwide PPO, which is worth pricing if you're healthy and earn too much for the credit. If your income qualifies for help, stay on kynect and pick the plan that keeps your doctors.
Different state? Pick yours here.
These are the 6 Kentucky 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.
Down to one insurer: Bourbon County is left with only Anthem (Elevance) on the marketplace.
The Kentucky 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 |
|---|---|---|---|---|
| Bourbon | Molina | 1 (only one) | Anthem (Elevance) | No |
| Clark | Molina | 2 | Ambetter (Centene); Anthem (Elevance) | No |
| Fayette | Molina | 2 | Ambetter (Centene); Anthem (Elevance) | No |
| Jessamine | Molina | 2 | Ambetter (Centene); Anthem (Elevance) | No |
| Scott | Molina | 2 | Ambetter (Centene); Anthem (Elevance) | No |
| Woodford | Molina | 2 | Ambetter (Centene); Anthem (Elevance) | 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.
A few other names come up in the news about this. Here's where each one actually stands.
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.
Kentucky runs its own marketplace, kynect, instead of HealthCare.gov. It sends its own notices, and its deadlines can be different from HealthCare.gov's (December 15 for a January 1 start, January 15 to close). Check the dates on kynect itself before you count on them, and treat its letter the same way: it tells you which plan, if any, you'd be moved into if you do nothing.
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.
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.
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 Kentucky marketplace plans in your county.
Whatever the marketplace looks like in your county, you can still get a nationwide PPO in Kentucky through me. The Kentucky 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.
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 Kentucky is one of them.
Straight answers, no sales pitch.
Molina (confirmed). Altogether, 6 of Kentucky's 120 counties lose at least one marketplace insurer.
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.
Kentucky runs its own marketplace, kynect, and its dates can differ from HealthCare.gov's December 15 and January 15. Check the deadline on kynect and pick early so your new plan starts January 1.
Yes. You can still get a nationwide PPO in Kentucky through me. The Kentucky 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.
Tell me your county, who's on your plan and what your letter says. I'll show you what's left on the Kentucky 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.
Every state on the list, and guides for Kentucky