2027 marketplace changes in Texas

Which insurance companies are leaving the Texas 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 Texas marketplace for 2027.

Baylor Scott & White Health Plan (confirmed). Baylor Scott & White Health Plan says it will discontinue its individual marketplace plans after December 31, 2026; by its own count, those plans serve 2.6% of Texas marketplace customers. In 2026 it sold marketplace plans in 104 of Texas's 254 counties. source
Cigna (confirmed). Cigna is leaving the individual market in Texas 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 Texas's 254 counties. source

Altogether, 109 of Texas's 254 counties lose at least one marketplace insurer. In 13 of them, only one marketplace insurer is left.

Where it hits hardest

Major Texas metropolitan areas still have plenty of marketplace choices despite these departures. Travis and Williamson counties retain eight insurers, while Dallas and Collin have seven. So your biggest concern there shouldn't be finding a company. It should be verifying that the plan you select includes your doctors.

In smaller Texas counties, the impact is much greater. Taylor County, which includes Abilene, had just two marketplace insurers in 2026. Once Baylor Scott & White leaves, only Blue Cross and Blue Shield of Texas remains. Altogether, 13 counties face that situation, largely across the Big Country near Abilene, including Callahan, Jones, Haskell, Knox and Throckmorton, plus Washington County near Brenham. If you're automatically reassigned in one of these counties, there's only one possible insurer. Verify your doctors participate in its network before December 15.

This could be your second required plan change. Aetna withdrew from Texas's marketplace for 2026, and former members who switched to Cigna or Baylor Scott & White now face another departure. I'd take control of this renewal and choose your replacement personally.

Texas had no marketplace PPO plans during 2026. Available coverage consisted of HMO, POS and EPO plans, so these withdrawals aren't taking away any PPOs. If you're healthy and paying the full premium, though, I'd compare a nationwide PPO before making your decision.

What's left in your county

These are the 109 Texas 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: Callahan, Cottle, Eastland, Haskell, Jones, Kent, Knox, Nolan, Shackelford, Stephens, Taylor, Throckmorton and Washington counties are left with only Blue Cross and Blue Shield of Texas on the marketplace.

The Texas 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.

See every county that loses an insurer

County	Insurer leaving	Insurers left	Who's left (2026 plans)	Marketplace PPO after
Andrews	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Armstrong	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Bell	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Bexar	Baylor Scott and White Health Plan	7	Ambetter (Centene); Anthem (Elevance); Blue Cross and Blue Shield of Texas; Community First; Imperial Insurance Companies, Inc.; Oscar; UnitedHealthcare	No
Borden	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Bosque	Baylor Scott and White Health Plan	2	Ambetter (Centene); Blue Cross and Blue Shield of Texas	No
Brazos	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Brewster	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Briscoe	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Burnet	Baylor Scott and White Health Plan	5	Ambetter (Centene); Blue Cross and Blue Shield of Texas; Oscar; Sendero Health Plans, Local Nonprofit; UnitedHealthcare	No
Callahan	Baylor Scott and White Health Plan	1 (only one)	Blue Cross and Blue Shield of Texas	No
Carson	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Castro	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Childress	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Coke	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Coleman	Baylor Scott and White Health Plan	2	Ambetter (Centene); Blue Cross and Blue Shield of Texas	No
Collin	Baylor Scott and White Health Plan; Cigna	7	Ambetter (Centene); Anthem (Elevance); Blue Cross and Blue Shield of Texas; Imperial Insurance Companies, Inc.; Molina; Oscar; UnitedHealthcare	No
Collingsworth	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Comanche	Baylor Scott and White Health Plan	2	Ambetter (Centene); Blue Cross and Blue Shield of Texas	No
Coryell	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Cottle	Baylor Scott and White Health Plan	1 (only one)	Blue Cross and Blue Shield of Texas	No
Crane	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Crosby	Baylor Scott and White Health Plan; Cigna	3	Anthem (Elevance); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Dallam	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Dallas	Baylor Scott and White Health Plan; Cigna	7	Ambetter (Centene); Anthem (Elevance); Blue Cross and Blue Shield of Texas; Imperial Insurance Companies, Inc.; Molina; Oscar; UnitedHealthcare	No
Dawson	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Deaf Smith	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Dickens	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Donley	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Eastland	Baylor Scott and White Health Plan	1 (only one)	Blue Cross and Blue Shield of Texas	No
Ector	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
El Paso	Cigna	6	Ambetter (Centene); Anthem (Elevance); Blue Cross and Blue Shield of Texas; Imperial Insurance Companies, Inc.; Oscar; UnitedHealthcare	No
Ellis	Baylor Scott and White Health Plan; Cigna	6	Ambetter (Centene); Anthem (Elevance); Blue Cross and Blue Shield of Texas; Molina; Oscar; UnitedHealthcare	No
Falls	Baylor Scott and White Health Plan	2	Ambetter (Centene); Blue Cross and Blue Shield of Texas	No
Fisher	Baylor Scott and White Health Plan	2	Ambetter (Centene); Blue Cross and Blue Shield of Texas	No
Floyd	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Freestone	Baylor Scott and White Health Plan	2	Ambetter (Centene); Blue Cross and Blue Shield of Texas	No
Gaines	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Garza	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Glasscock	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Gray	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Hale	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Hall	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Hamilton	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Hansford	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Hartley	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Haskell	Baylor Scott and White Health Plan	1 (only one)	Blue Cross and Blue Shield of Texas	No
Hemphill	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Hill	Baylor Scott and White Health Plan	2	Ambetter (Centene); Blue Cross and Blue Shield of Texas	No
Hockley	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Howard	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Hunt	Cigna	4	Ambetter (Centene); Anthem (Elevance); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Hutchinson	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Johnson	Cigna	5	Ambetter (Centene); Anthem (Elevance); Blue Cross and Blue Shield of Texas; Molina; UnitedHealthcare	No
Jones	Baylor Scott and White Health Plan	1 (only one)	Blue Cross and Blue Shield of Texas	No
Kaufman	Cigna	2	Anthem (Elevance); Blue Cross and Blue Shield of Texas	No
Kent	Baylor Scott and White Health Plan	1 (only one)	Blue Cross and Blue Shield of Texas	No
King	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Knox	Baylor Scott and White Health Plan	1 (only one)	Blue Cross and Blue Shield of Texas	No
Lamb	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Lampasas	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Limestone	Baylor Scott and White Health Plan	2	Ambetter (Centene); Blue Cross and Blue Shield of Texas	No
Lipscomb	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Llano	Baylor Scott and White Health Plan	4	Ambetter (Centene); Blue Cross and Blue Shield of Texas; Oscar; UnitedHealthcare	No
Loving	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Lubbock	Baylor Scott and White Health Plan; Cigna	3	Anthem (Elevance); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Lynn	Baylor Scott and White Health Plan	3	Anthem (Elevance); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Martin	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
McCulloch	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
McLennan	Baylor Scott and White Health Plan	2	Ambetter (Centene); Blue Cross and Blue Shield of Texas	No
Midland	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Milam	Baylor Scott and White Health Plan	4	Ambetter (Centene); Blue Cross and Blue Shield of Texas; Oscar; UnitedHealthcare	No
Mills	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Mitchell	Baylor Scott and White Health Plan	2	Ambetter (Centene); Blue Cross and Blue Shield of Texas	No
Moore	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Motley	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Navarro	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Nolan	Baylor Scott and White Health Plan	1 (only one)	Blue Cross and Blue Shield of Texas	No
Ochiltree	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Oldham	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Parmer	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Pecos	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Potter	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Randall	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Reagan	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Reeves	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Roberts	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Rockwall	Baylor Scott and White Health Plan; Cigna	6	Ambetter (Centene); Anthem (Elevance); Blue Cross and Blue Shield of Texas; Molina; Oscar; UnitedHealthcare	No
Runnels	Baylor Scott and White Health Plan	2	Ambetter (Centene); Blue Cross and Blue Shield of Texas	No
San Saba	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Scurry	Baylor Scott and White Health Plan	2	Ambetter (Centene); Blue Cross and Blue Shield of Texas	No
Shackelford	Baylor Scott and White Health Plan	1 (only one)	Blue Cross and Blue Shield of Texas	No
Sherman	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Somervell	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Stephens	Baylor Scott and White Health Plan	1 (only one)	Blue Cross and Blue Shield of Texas	No
Stonewall	Baylor Scott and White Health Plan	2	Ambetter (Centene); Blue Cross and Blue Shield of Texas	No
Swisher	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Tarrant	Cigna	7	Ambetter (Centene); Anthem (Elevance); Blue Cross and Blue Shield of Texas; Imperial Insurance Companies, Inc.; Molina; Oscar; UnitedHealthcare	No
Taylor	Baylor Scott and White Health Plan	1 (only one)	Blue Cross and Blue Shield of Texas	No
Terry	Baylor Scott and White Health Plan	3	Anthem (Elevance); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Throckmorton	Baylor Scott and White Health Plan	1 (only one)	Blue Cross and Blue Shield of Texas	No
Travis	Baylor Scott and White Health Plan	8	Ambetter (Centene); Blue Cross and Blue Shield of Texas; Harbor Health; Imperial Insurance Companies, Inc.; Moda Health Plan, Inc.; Oscar; Sendero Health Plans, Local Nonprofit; UnitedHealthcare	No
Upton	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Ward	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Washington	Baylor Scott and White Health Plan	1 (only one)	Blue Cross and Blue Shield of Texas	No
Wheeler	Baylor Scott and White Health Plan	3	Ambetter (Centene); Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Williamson	Baylor Scott and White Health Plan	8	Ambetter (Centene); Blue Cross and Blue Shield of Texas; Harbor Health; Imperial Insurance Companies, Inc.; Moda Health Plan, Inc.; Oscar; Sendero Health Plans, Local Nonprofit; UnitedHealthcare	No
Winkler	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	No
Yoakum	Baylor Scott and White Health Plan	2	Blue Cross and Blue Shield of Texas; UnitedHealthcare	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.

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 Texas 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 Texas county.

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

You can still get a nationwide PPO in Texas

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

Questions about insurers leaving Texas

Straight answers, no sales pitch.

Which insurance companies are leaving the Texas marketplace in 2027?

Baylor Scott & White Health Plan (confirmed) and Cigna (confirmed). Altogether, 109 of Texas's 254 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 Texas 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 Texas?

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

Sources

Baylor Scott & White Health Plan sold individual marketplace plans in 104 of 254 Texas counties in 2026 (CMS 2026 plan data, counted by company) source
Baylor Scott & White Health Plan says it will discontinue its individual marketplace plans after December 31, 2026; by its own count, those plans serve 2.6% of Texas marketplace customers. source
Cigna sold individual marketplace plans in 11 of 254 Texas counties in 2026 (CMS 2026 plan data, counted by company) source
Cigna is leaving the individual market in Texas on January 1, 2027, on and off the marketplace, as part of the nationwide exit it announced in April 2026. source
After the confirmed and reported exits, 109 of 254 Texas counties lose at least one marketplace insurer and 13 are left with one, counting the 2026 plans of the companies that stay (CMS 2026 plan data) source
Texas marketplace PPO plans in 2026: 0 of 254 counties; after the confirmed exits: 0 (CMS 2026 plan data) source
Access to Care Health Plan, a Sendero affiliate, is withdrawing from the Texas market, but it has had no members since January 1, 2026, so no one has to move. source
Molina is not leaving Texas: its 2027 filing says its plans are offered on the Texas marketplace. source
Aetna left the individual marketplace in Texas 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
Texas marketplace medical plans for 2026 include no PPO; they are HMO, POS and EPO plans 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 Texas 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