2027 marketplace changes in Georgia

Which insurance companies are leaving the Georgia 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

Two insurance companies are leaving the Georgia marketplace for 2027.

Cigna (confirmed). Cigna is leaving the individual market in Georgia 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 66 of Georgia's 159 counties. source
UnitedHealthcare (confirmed). Georgia's Office of the Commissioner of Insurance says UnitedHealthcare will leave the Georgia Access marketplace for 2027, and UnitedHealthcare says it will keep selling individual and family plans outside the marketplace. In 2026 it sold marketplace plans in 53 of Georgia's 159 counties. source

Altogether, 80 of Georgia's 159 counties lose at least one marketplace insurer.

Where you'll feel it

Together, these departures mean at least one insurer disappears from 80 of Georgia's 159 counties. Atlanta's surrounding counties still have options: Fulton, DeKalb, Cobb and Gwinnett each decline from seven insurers to five. The situation is tighter around Gainesville and the mountains. Hall, Towns and Union had three marketplace companies in 2026 but fall to two after Cigna leaves. That's fewer provider networks for residents near Lake Lanier, Blairsville and Hiawassee.

Both departures affect Savannah. Chatham County's marketplace shrinks from five insurers to three, making it important to verify your physicians against all three networks before enrolling. Columbus in Muscogee County and Athens in Clarke County each see their insurer count fall from six to four.

This won't be everyone's first switch. Aetna withdrew from Georgia's marketplace for 2026. If you replaced your Aetna coverage with Cigna, you're now looking at another change, making it two in two years.

What I'd do in Georgia

Don't leave your 2027 Georgia Access enrollment to chance. Choose your coverage and verify your physicians and prescriptions individually. Alliant Health Plans offered marketplace PPO coverage in 71 of Georgia's 159 counties during 2026. If you're healthy and don't receive a subsidy, compare those options with a nationwide PPO quote.

What's left in your county

These are the 80 Georgia 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 71 of Georgia's 159 counties in 2026, and all 71 of those counties still have one after the exits. Those PPO plans come from Alliant Health Plans.

See every county that loses an insurer

County	Insurer leaving	Insurers left	Who's left (2026 plans)	Marketplace PPO after
Appling	UnitedHealthcare	4	Ambetter (Centene); Anthem (Elevance); CareSource; Oscar	No
Banks	Cigna	3	Alliant Health Plans; Anthem (Elevance); CareSource	Yes
Barrow	Cigna; UnitedHealthcare	4	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource	Yes
Bartow	Cigna	5	Ambetter (Centene); Anthem (Elevance); CareSource; Kaiser Permanente; Oscar	No
Bryan	Cigna; UnitedHealthcare	3	Ambetter (Centene); Anthem (Elevance); CareSource	No
Bulloch	Cigna; UnitedHealthcare	3	Ambetter (Centene); Anthem (Elevance); CareSource	No
Burke	UnitedHealthcare	5	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource; Oscar	Yes
Butts	Cigna	5	Ambetter (Centene); Anthem (Elevance); CareSource; Kaiser Permanente; Oscar	No
Candler	Cigna; UnitedHealthcare	3	Ambetter (Centene); Anthem (Elevance); CareSource	No
Chatham	Cigna; UnitedHealthcare	3	Ambetter (Centene); Anthem (Elevance); CareSource	No
Chattahoochee	Cigna; UnitedHealthcare	4	Ambetter (Centene); Anthem (Elevance); CareSource; Oscar	No
Cherokee	Cigna; UnitedHealthcare	5	Ambetter (Centene); Anthem (Elevance); CareSource; Kaiser Permanente; Oscar	No
Clarke	Cigna; UnitedHealthcare	4	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource	Yes
Clayton	Cigna; UnitedHealthcare	5	Ambetter (Centene); Anthem (Elevance); CareSource; Kaiser Permanente; Oscar	No
Cobb	Cigna; UnitedHealthcare	5	Ambetter (Centene); Anthem (Elevance); CareSource; Kaiser Permanente; Oscar	No
Columbia	UnitedHealthcare	4	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource	Yes
Coweta	Cigna; UnitedHealthcare	4	Ambetter (Centene); Anthem (Elevance); CareSource; Kaiser Permanente	No
Dawson	Cigna	3	Alliant Health Plans; Anthem (Elevance); CareSource	Yes
DeKalb	Cigna; UnitedHealthcare	5	Ambetter (Centene); Anthem (Elevance); CareSource; Kaiser Permanente; Oscar	No
Douglas	Cigna	5	Ambetter (Centene); Anthem (Elevance); CareSource; Kaiser Permanente; Oscar	No
Effingham	Cigna; UnitedHealthcare	3	Ambetter (Centene); Anthem (Elevance); CareSource	No
Elbert	Cigna	3	Ambetter (Centene); Anthem (Elevance); CareSource	No
Emanuel	UnitedHealthcare	4	Ambetter (Centene); Anthem (Elevance); CareSource; Oscar	No
Evans	Cigna; UnitedHealthcare	3	Ambetter (Centene); Anthem (Elevance); CareSource	No
Fayette	Cigna; UnitedHealthcare	4	Ambetter (Centene); Anthem (Elevance); CareSource; Kaiser Permanente	No
Forsyth	Cigna; UnitedHealthcare	5	Ambetter (Centene); Anthem (Elevance); CareSource; Kaiser Permanente; Oscar	No
Franklin	Cigna	4	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource	Yes
Fulton	Cigna; UnitedHealthcare	5	Ambetter (Centene); Anthem (Elevance); CareSource; Kaiser Permanente; Oscar	No
Gilmer	Cigna	4	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource	Yes
Glascock	UnitedHealthcare	5	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource; Oscar	Yes
Greene	Cigna	4	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource	Yes
Gwinnett	Cigna; UnitedHealthcare	5	Ambetter (Centene); Anthem (Elevance); CareSource; Kaiser Permanente; Oscar	No
Habersham	Cigna	3	Alliant Health Plans; Anthem (Elevance); CareSource	Yes
Hall	Cigna	2	Alliant Health Plans; Anthem (Elevance)	Yes
Harris	Cigna; UnitedHealthcare	4	Ambetter (Centene); Anthem (Elevance); CareSource; Oscar	No
Hart	Cigna	4	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource	Yes
Henry	Cigna; UnitedHealthcare	4	Ambetter (Centene); Anthem (Elevance); CareSource; Kaiser Permanente	No
Jackson	Cigna	4	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource	Yes
Jasper	Cigna	4	Ambetter (Centene); Anthem (Elevance); CareSource; Oscar	No
Jefferson	UnitedHealthcare	5	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource; Oscar	Yes
Jenkins	UnitedHealthcare	4	Ambetter (Centene); Anthem (Elevance); CareSource; Oscar	No
Lamar	Cigna	5	Ambetter (Centene); Anthem (Elevance); CareSource; Kaiser Permanente; Oscar	No
Liberty	Cigna; UnitedHealthcare	3	Ambetter (Centene); Anthem (Elevance); CareSource	No
Lincoln	UnitedHealthcare	4	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource	Yes
Long	Cigna; UnitedHealthcare	3	Ambetter (Centene); Anthem (Elevance); CareSource	No
Lumpkin	Cigna	3	Alliant Health Plans; Anthem (Elevance); CareSource	Yes
Macon	Cigna; UnitedHealthcare	3	Ambetter (Centene); Anthem (Elevance); CareSource	No
Madison	Cigna	4	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource	Yes
Marion	Cigna; UnitedHealthcare	4	Ambetter (Centene); Anthem (Elevance); CareSource; Oscar	No
McDuffie	UnitedHealthcare	4	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource	Yes
Meriwether	Cigna; UnitedHealthcare	4	Ambetter (Centene); Anthem (Elevance); CareSource; Oscar	No
Morgan	Cigna	4	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource	Yes
Muscogee	Cigna; UnitedHealthcare	4	Ambetter (Centene); Anthem (Elevance); CareSource; Oscar	No
Newton	Cigna; UnitedHealthcare	4	Ambetter (Centene); Anthem (Elevance); CareSource; Kaiser Permanente	No
Oconee	Cigna; UnitedHealthcare	4	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource	Yes
Oglethorpe	Cigna	4	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource	Yes
Paulding	Cigna	5	Ambetter (Centene); Anthem (Elevance); CareSource; Kaiser Permanente; Oscar	No
Pickens	Cigna; UnitedHealthcare	4	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource	Yes
Pike	Cigna	5	Ambetter (Centene); Anthem (Elevance); CareSource; Kaiser Permanente; Oscar	No
Quitman	UnitedHealthcare	3	Ambetter (Centene); Anthem (Elevance); CareSource	No
Rabun	Cigna	3	Alliant Health Plans; Anthem (Elevance); CareSource	Yes
Richmond	UnitedHealthcare	5	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource; Oscar	Yes
Rockdale	Cigna; UnitedHealthcare	4	Ambetter (Centene); Anthem (Elevance); CareSource; Kaiser Permanente	No
Screven	Cigna; UnitedHealthcare	4	Ambetter (Centene); Anthem (Elevance); CareSource; Oscar	No
Spalding	Cigna	5	Ambetter (Centene); Anthem (Elevance); CareSource; Kaiser Permanente; Oscar	No
Stephens	Cigna	4	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource	Yes
Stewart	Cigna; UnitedHealthcare	4	Ambetter (Centene); Anthem (Elevance); CareSource; Oscar	No
Talbot	Cigna; UnitedHealthcare	4	Ambetter (Centene); Anthem (Elevance); CareSource; Oscar	No
Taliaferro	UnitedHealthcare	3	Ambetter (Centene); Anthem (Elevance); CareSource	No
Tattnall	Cigna; UnitedHealthcare	3	Ambetter (Centene); Anthem (Elevance); CareSource	No
Taylor	Cigna; UnitedHealthcare	4	Ambetter (Centene); Anthem (Elevance); CareSource; Oscar	No
Towns	Cigna	2	Alliant Health Plans; Anthem (Elevance)	Yes
Troup	Cigna; UnitedHealthcare	4	Ambetter (Centene); Anthem (Elevance); CareSource; Oscar	No
Union	Cigna	2	Alliant Health Plans; Anthem (Elevance)	Yes
Upson	Cigna; UnitedHealthcare	4	Ambetter (Centene); Anthem (Elevance); CareSource; Oscar	No
Walton	Cigna; UnitedHealthcare	5	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource; Kaiser Permanente	No
Warren	UnitedHealthcare	4	Alliant Health Plans; Ambetter (Centene); Anthem (Elevance); CareSource	Yes
Webster	Cigna; UnitedHealthcare	4	Ambetter (Centene); Anthem (Elevance); CareSource; Oscar	No
White	Cigna	3	Alliant Health Plans; Anthem (Elevance); CareSource	Yes
Wilkes	UnitedHealthcare	3	Ambetter (Centene); Anthem (Elevance); CareSource	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.

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.

Instead of using HealthCare.gov, Georgia operates Georgia Access, its own marketplace. Notices come directly from that exchange, and enrollment deadlines may differ from HealthCare.gov's December 15 cutoff for January 1 coverage and January 15 closing date. Verify the schedule on Georgia Access before making plans. Its notice will also identify any replacement coverage you might receive automatically if you take no action.

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 Georgia 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 Georgia county.

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

You can still get a nationwide PPO in Georgia

Regardless of which insurers remain on your county's marketplace, I can help you obtain a nationwide PPO in Georgia. On the marketplace, PPO plans were sold in 71 of Georgia's 159 counties in 2026, and all 71 of those counties still have one after the exits. Those PPO plans come from Alliant Health Plans.

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 Georgia.

Questions about insurers leaving Georgia

Straight answers, no sales pitch.

Which insurance companies are leaving the Georgia marketplace in 2027?

Cigna (confirmed) and UnitedHealthcare (confirmed). Altogether, 80 of Georgia's 159 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 Georgia plan for 2027?

Because Georgia uses its own exchange, Georgia Access, don't assume HealthCare.gov's December 15 and January 15 deadlines apply. Confirm the dates directly with Georgia Access and make your selection early enough for January 1 coverage.

Can I still get a PPO in Georgia?

Yes. I can help you find a nationwide PPO available in Georgia. On the marketplace, PPO plans were sold in 71 of Georgia's 159 counties in 2026, and all 71 of those counties still have one after the exits. Those PPO plans come from Alliant Health Plans.

Sources

Cigna sold individual marketplace plans in 66 of 159 Georgia counties in 2026 (CMS 2026 plan data, counted by company) source
Cigna is leaving the individual market in Georgia on January 1, 2027, on and off the marketplace, as part of the nationwide exit it announced in April 2026. source
UnitedHealthcare sold individual marketplace plans in 53 of 159 Georgia counties in 2026 (CMS 2026 plan data, counted by company) source
Georgia's Office of the Commissioner of Insurance says UnitedHealthcare will leave the Georgia Access marketplace for 2027, and UnitedHealthcare says it will keep selling individual and family plans outside the marketplace. source
After the confirmed and reported exits, 80 of 159 Georgia 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
Georgia marketplace PPO plans in 2026: 71 of 159 counties; after the confirmed exits: 71 (CMS 2026 plan data) source
Ambetter is not leaving Georgia: Ambetter of Peach State filed 2027 rates. source
Aetna left the individual marketplace in Georgia for 2026, when CVS Health exited the individual exchange business where Aetna ran its own ACA plans. source
Georgia runs its own marketplace, Georgia Access, instead of HealthCare.gov 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 Cigna and UnitedHealthcare exits, Fulton, DeKalb, Cobb and Gwinnett counties go from 7 marketplace insurers to 5, and Chatham County goes from 5 to 3 (CMS 2026 state marketplace plan files, counted by company) source
Hall, Towns and Union counties go from 3 marketplace insurers to 2 after Cigna's exit (CMS 2026 state marketplace plan files, 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 Georgia 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.

Book a free call → Call 813-999-0101 Send a message