Six Major Health Insurers to Exit ACA Marketplaces in 2027

Six insurance carriers announced June 8, 2026, that they will exit ACA Marketplaces in plan year 2027, affecting roughly one-third of states. These exits follow the end of enhanced premium tax credits in 2025, which contributed to a decline of over one million sign-ups between the 2025 and 2026 Open Enrollment Periods.

Why are insurance carriers exiting the ACA Marketplaces?

The expiration of enhanced premium tax credits at the end of 2025 drove a significant drop in membership. According to the report, this decline impacts the size of the potential market and may alter the risk pool if healthier enrollees are more likely to drop their coverage.

Cigna Health is one of the carriers leaving the individual market in 2027. The company stated it will focus on other segments due to a lack of growth potential in its ACA Marketplace business. Cigna, which reported over 350,000 individuals in first-quarter on-exchange enrollment, will exit 11 states where it currently operates both on- and off-exchange.

Did You Know? In 2025, an average of 9.6 insurers per state participated in the ACA Marketplaces, but that number fell to 9.0 in 2026, primarily due to the exit of Aetna CVS.

Which states will see the most impact?

Multiple insurers are exiting the same states, specifically in Texas, Oregon, and Indiana. In Indiana, the departures of Cigna and CareSource mean only three companies will remain in the state’s Marketplace if no new carriers enter.

Cigna Exits ACA, 2027 Certification Dates, Sleep Audio

The six carriers announcing exits for the 2027 plan year include Cigna Health, CareSource, PacificSource, Scott and White, Providence Health, and Taro Health.

Expert Insight: Samantha Carter notes that when multiple insurers leave a single state, the remaining carriers face less competition. This shift could limit consumer choice and change the profitability calculations for other insurers still in the market.

What happens next for ACA Marketplace consumers?

Average insurer participation may continue to decline if more companies announce exits before the 2027 plan year. Further membership declines in the Marketplaces are expected as the year progresses.

While competition may decrease, Colorado Access has indicated it is entering the market. Additionally, there are currently no signs that “bare” counties—areas with no insurers at all—will emerge, a condition that caused instability in previous periods.

Frequently Asked Questions

Which insurance companies are leaving the ACA Marketplaces in 2027?
Cigna Health, CareSource, PacificSource, Scott and White, Providence Health, and Taro Health have announced their exits.

How many people stopped signing up for plans between 2025 and 2026?
Sign-ups fell by over one million individuals during that period following the expiration of enhanced premium tax credits.

Will there be any counties left without insurance options?
Based on current data, there are no signs that “bare” counties with no insurers will occur.

How do you think fewer insurance choices in your state would affect your healthcare decisions?