2027 marketplace changes in Virginia

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

Cigna (confirmed). Cigna is leaving the individual market in Virginia 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 39 of Virginia's 133 counties. source

Altogether, 39 of Virginia's 133 counties lose at least one marketplace insurer.

Who else should look twice

Cigna never participated in the marketplace across much of Virginia. Hampton Roads, Roanoke, Lynchburg, Charlottesville and southwestern Virginia each had 2 insurers available in 2026 and retain that number. Cigna's departure doesn't affect the company selection in those areas.

If Aetna's 2026 Virginia marketplace withdrawal brought you to Cigna, you're now facing two forced changes within two years. Rather than accept another automatic move, review your prescriptions and doctors, then personally select the coverage that fits.

Virginia's marketplace PPO coverage was confined to Northern Virginia in 2026, spanning just 7 localities, and each retains PPO availability. For residents elsewhere, I can arrange a nationwide private PPO. These plans evaluate your health before setting the price.

What's left in your county

These are the 39 Virginia 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 7 of Virginia's 133 counties in 2026, and all 7 of those counties still have one after the exits. Those PPO plans come from CareFirst.

See every county that loses an insurer

County	Insurer leaving	Insurers left	Who's left (2026 plans)	Marketplace PPO after
Alexandria city	Cigna	5	CareFirst; Kaiser Permanente; Oscar; Sentara; UnitedHealthcare	Yes
Amelia	Cigna	4	Anthem (Elevance); Oscar; Sentara; UnitedHealthcare	No
Arlington	Cigna	5	CareFirst; Kaiser Permanente; Oscar; Sentara; UnitedHealthcare	Yes
Caroline	Cigna	5	Anthem (Elevance); Kaiser Permanente; Oscar; Sentara; UnitedHealthcare	No
Charles City	Cigna	4	Anthem (Elevance); Oscar; Sentara; UnitedHealthcare	No
Chesterfield	Cigna	4	Anthem (Elevance); Oscar; Sentara; UnitedHealthcare	No
Clarke	Cigna	3	Anthem (Elevance); Sentara; UnitedHealthcare	No
Colonial Heights city	Cigna	4	Anthem (Elevance); Oscar; Sentara; UnitedHealthcare	No
Cumberland	Cigna	4	Anthem (Elevance); Oscar; Sentara; UnitedHealthcare	No
Dinwiddie	Cigna	4	Anthem (Elevance); Oscar; Sentara; UnitedHealthcare	No
Fairfax	Cigna	6	Anthem (Elevance); CareFirst; Kaiser Permanente; Oscar; Sentara; UnitedHealthcare	Yes
Fairfax city	Cigna	5	CareFirst; Kaiser Permanente; Oscar; Sentara; UnitedHealthcare	Yes
Falls Church city	Cigna	5	CareFirst; Kaiser Permanente; Oscar; Sentara; UnitedHealthcare	Yes
Fauquier	Cigna	4	Anthem (Elevance); Kaiser Permanente; Sentara; UnitedHealthcare	No
Frederick	Cigna	3	Anthem (Elevance); Sentara; UnitedHealthcare	No
Goochland	Cigna	4	Anthem (Elevance); Oscar; Sentara; UnitedHealthcare	No
Hanover	Cigna	5	Anthem (Elevance); Kaiser Permanente; Oscar; Sentara; UnitedHealthcare	No
Henrico	Cigna	4	Anthem (Elevance); Oscar; Sentara; UnitedHealthcare	No
Hopewell city	Cigna	4	Anthem (Elevance); Oscar; Sentara; UnitedHealthcare	No
King William	Cigna	4	Anthem (Elevance); Oscar; Sentara; UnitedHealthcare	No
King and Queen	Cigna	4	Anthem (Elevance); Oscar; Sentara; UnitedHealthcare	No
Loudoun	Cigna	6	Anthem (Elevance); CareFirst; Kaiser Permanente; Oscar; Sentara; UnitedHealthcare	Yes
Louisa	Cigna	4	Anthem (Elevance); Kaiser Permanente; Sentara; UnitedHealthcare	No
Manassas Park city	Cigna	4	Anthem (Elevance); Kaiser Permanente; Sentara; UnitedHealthcare	No
Manassas city	Cigna	4	Anthem (Elevance); Kaiser Permanente; Sentara; UnitedHealthcare	No
New Kent	Cigna	4	Anthem (Elevance); Oscar; Sentara; UnitedHealthcare	No
Page	Cigna	2	Anthem (Elevance); Sentara	No
Petersburg city	Cigna	4	Anthem (Elevance); Oscar; Sentara; UnitedHealthcare	No
Powhatan	Cigna	4	Anthem (Elevance); Oscar; Sentara; UnitedHealthcare	No
Prince George	Cigna	4	Anthem (Elevance); Oscar; Sentara; UnitedHealthcare	No
Prince William	Cigna	6	Anthem (Elevance); CareFirst; Kaiser Permanente; Oscar; Sentara; UnitedHealthcare	Yes
Rappahannock	Cigna	3	Anthem (Elevance); Sentara; UnitedHealthcare	No
Richmond city	Cigna	4	Anthem (Elevance); Oscar; Sentara; UnitedHealthcare	No
Shenandoah	Cigna	2	Anthem (Elevance); Sentara	No
Spotsylvania	Cigna	4	Anthem (Elevance); Kaiser Permanente; Sentara; UnitedHealthcare	No
Stafford	Cigna	4	Anthem (Elevance); Kaiser Permanente; Sentara; UnitedHealthcare	No
Sussex	Cigna	3	Anthem (Elevance); Sentara; UnitedHealthcare	No
Warren	Cigna	2	Anthem (Elevance); Sentara	No
Winchester city	Cigna	3	Anthem (Elevance); Sentara; 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.

In Virginia, coverage is sold through the state-operated Virginia's Insurance Marketplace rather than HealthCare.gov. Enrollment for 2027 is open from November 1, 2026 through January 29, 2027. Your effective date depends on when you enroll, so look up the January 1 coverage deadline on Virginia's Insurance Marketplace and act ahead of it. The exchange's renewal notice explains whether you'll be transferred to another plan if you don't make a selection.

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 Virginia 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 Virginia county.

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

You can still get a nationwide PPO in Virginia

Regardless of which insurers remain on your county's marketplace, I can help you obtain a nationwide PPO in Virginia. On the marketplace, PPO plans were sold in 7 of Virginia's 133 counties in 2026, and all 7 of those counties still have one after the exits. Those PPO plans come from CareFirst.

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 Virginia.

Questions about insurers leaving Virginia

Straight answers, no sales pitch.

Which insurance companies are leaving the Virginia marketplace in 2027?

Cigna (confirmed). Altogether, 39 of Virginia's 133 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 Virginia plan for 2027?

The state marketplace in Virginia, called Virginia's Insurance Marketplace, accepts 2027 enrollment from November 1, 2026 through January 29, 2027. Your enrollment date determines when coverage begins. Check Virginia's Insurance Marketplace for the deadline to start January 1, and make your choice before the final week.

Can I still get a PPO in Virginia?

Yes. I can help you find a nationwide PPO available in Virginia. On the marketplace, PPO plans were sold in 7 of Virginia's 133 counties in 2026, and all 7 of those counties still have one after the exits. Those PPO plans come from CareFirst.

Sources

Cigna sold individual marketplace plans in 39 of 133 Virginia counties in 2026 (CMS 2026 plan data, counted by company) source
Cigna is leaving the individual market in Virginia 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, 39 of 133 Virginia 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
Virginia marketplace PPO plans in 2026: 7 of 133 counties; after the confirmed exits: 7 (CMS 2026 plan data) source
Aetna left the individual marketplace in Virginia for 2026, when CVS Health exited the individual exchange business where Aetna ran its own ACA plans. source
Virginia runs its own marketplace, Virginia's Insurance Marketplace, instead of HealthCare.gov source
Virginia's Insurance Marketplace open enrollment for 2027 runs November 1, 2026 to January 29, 2027 (Virginia's own marketplace) 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
Cigna sold 2026 Virginia marketplace plans in 39 of the state's 133 counties and cities (Virginia counts its cities separately from its counties), in Northern Virginia, the Richmond area, the Fredericksburg area and the northern Shenandoah Valley (CMS state-based marketplace 2026 plan data) source
Page, Shenandoah and Warren counties each had 3 Virginia marketplace companies in 2026 and keep 2 after Cigna goes (CMS state-based marketplace 2026 plan data, counted by company) source
Fairfax, Loudoun and Prince William counties had 7 Virginia marketplace companies in 2026 and keep 6; Henrico, Chesterfield and Richmond city had 5 and keep 4 (CMS state-based marketplace 2026 plan data, counted by company) source
84 Virginia counties and cities, including Virginia Beach, Norfolk, Roanoke, Lynchburg and Charlottesville, had 2 marketplace companies in 2026 and no Cigna marketplace plans (CMS state-based marketplace 2026 plan data, counted by company) source
Virginia's 2026 marketplace PPO plans were sold in 7 Northern Virginia localities: Arlington, Fairfax, Loudoun and Prince William counties and the cities of Alexandria, Fairfax and Falls Church (CMS state-based marketplace 2026 plan data) 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 Virginia 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