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

The larger Florida markets still have several insurers to choose from. Broward, Orange and Seminole each drop by two companies but retain eight, while Hillsborough declines from seven to six. Smaller counties face a tighter situation. Baker, Bradford and Hendry would have just three marketplace insurers remaining. When your physicians participate in only one of those networks, your practical choices become much more limited.

For certain Florida residents, this means changing coverage again after doing it last year. Aetna withdrew from Florida's marketplace for 2026, and anyone who switched to Cigna or Molina afterward now faces another plan change.

You might have seen claims that additional Florida insurers are exiting. Some of that information is inaccurate or outdated. I've broken down the situation company by company on this page so you can see what's actually going on.

What I'd do in Florida this fall

If Cigna or Molina provides your coverage, take control of your next enrollment rather than waiting for an automatic marketplace assignment. Make your selection before December 15, and confirm that your physicians, particularly specialists around Tampa, Orlando and Miami, appear in the new network. Florida Blue offered marketplace PPOs throughout every Florida county in 2026. Healthy people paying the entire premium should also compare nationwide PPO pricing.

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

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.

HealthCare.gov opens enrollment November 1. You should receive 2 notices by that point, one from your insurer and another from the marketplace. The marketplace notice identifies any replacement plan you'll be placed in if you haven't acted by December 15. HealthCare.gov also warns that automatic re-enrollment doesn't happen in every situation.

Choose your replacement no later than December 15 to begin coverage January 1. Enrolling from December 16 through January 15 gives you a February 1 effective date. If your previous policy ends December 31, that means going without coverage for January.

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.

What to do now

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.

Scenario 1 of 2

Your income qualifies you for help with the premium

When your household qualifies for a premium tax credit, marketplace coverage is generally the more affordable route because you can't apply that credit anywhere else. Still, don't accept an automatic plan selection without checking it. Compare every remaining insurer in your county before December 15, and verify your prescriptions and doctors against the new plan's network. Your old plan's network doesn't determine what the new one covers.

Next step: Share your estimated income, medication list and doctors with me. I'll help you choose a Florida marketplace policy that fits before enrollment closes.

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

Scenario 2 of 2

You pay full price and you're healthy

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 Florida county.

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

You can still get a nationwide PPO in Florida

Regardless of which insurers remain on your county's marketplace, I can help you obtain a nationwide PPO in Florida. 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.

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 Florida.

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?

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.

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

To start coverage January 1 through HealthCare.gov, enroll by December 15. You have until January 15 before open enrollment ends, but selecting a plan after December 15 means it won't take effect until February 1.

Can I still get a PPO in Florida?

Yes. I can help you find a nationwide PPO available in Florida. 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.

Call me with your county, the people who need coverage and the details of your notice. I'll compare the remaining Florida 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.

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