Who is leaving, what's left in your county, and what to do before the deadline. Last checked October 5, 2026.
No major insurer is leaving the Utah marketplace for 2027.
In 2026, 5 companies sold Utah marketplace plans: Imperial Health Plan of the Southwest, Inc., Molina, Regence/BridgeSpan (Cambia), Select Health and University of Utah Health Plans.
Hi, I'm Sam Jaber, a health insurance broker licensed in 36 states, Utah among them. So far, Utah's marketplace looks stable for 2027. I haven't found a confirmed insurer departure, and I've verified that every company offering marketplace coverage in 2026 submitted a 2027 filing on the federal rate review site.
Molina is the one insurer I'm watching, specifically in southwestern Utah. Its 2026 marketplace coverage was limited to 2 counties: Washington, including St. George, and Iron, including Cedar City. A federal record connected to its 2027 filing suggests off-marketplace coverage, while the filing itself includes marketplace pricing. Until the published 2027 lineup confirms otherwise, I'm treating Molina as remaining.
Consider a landscaper working for himself in St. George who enrolled with Molina last fall. He doesn't have confirmation that a switch is necessary yet. I'd advise him to review the marketplace notice expected by November 1 and check Washington County's offerings when the 2027 plans appear in late October. That's when he can verify Molina's participation.
Some Utah residents were already required to change insurers. When CVS Health withdrew from the marketplace business, Aetna's plans ended for 2026 and its members moved elsewhere. If you were affected, you're now renewing coverage you may have chosen quickly. I'd review that replacement carefully before keeping it.
Your county makes a major difference in marketplace selection. In 2026, Salt Lake and Utah counties each offered 4 insurers, while Sanpete County had only one. When there's just one company available, changes to its provider network matter much more than statewide departure announcements.
Utah's marketplace had no PPO offerings in 2026, relying instead on HMOs, EPOs and similar coverage. If you need a network extending beyond Utah, I can help you obtain a nationwide private PPO. The insurer reviews your health information before determining your premium.
No Utah county loses a marketplace insurer for 2027 from what I checked.
The Utah marketplace had no PPO plans in 2026.
You've probably seen a few other names mentioned in news coverage of this. Here's what their actual situations look like.
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.
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.
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 Utah county.
Regardless of which insurers remain on your county's marketplace, I can help you obtain a nationwide PPO in Utah. The Utah marketplace had no PPO plans in 2026.
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 Utah.
Straight answers, no sales pitch.
No major insurer is leaving the Utah marketplace for 2027. Every company that sold Utah marketplace plans in 2026 has a 2027 rate filing on the federal rate review site.
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.
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.
Yes. I can help you find a nationwide PPO available in Utah. The Utah marketplace had no PPO plans in 2026.
Last checked October 5, 2026. I update this page when the 2027 plan list publishes in late October.
Call me with your county, the people who need coverage and the details of your notice. I'll compare the remaining Utah 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.
Every state on the list, and guides for Utah