Big news has just dropped in the world of health insurance: Aetna CVS Health has officially announced they will exit the Individual and Family Plan (IFP) business—commonly referred to as ACA Marketplaces or Exchanges—by December 31, 2025. This move impacts states where Aetna offers these plans directly, leaving many customers wondering: “What’s next for my health coverage?”
Let’s break down what this means for you, and more importantly, how Cosmo Insurance Agency is here to support you every step of the way
What You Need to Know Now
- No Immediate Action Is Needed
Aetna members can continue using their current 2025 plan without changes. There will be no disruption to your benefits or services throughout the year. - Same Coverage, Same Service—for Now
Aetna has committed to maintaining the same level of service through the end of 2025. You can rely on your coverage as usual. - Changes Will Happen for 2026
By July 1, 2025, Aetna CVS Health will begin notifying members about the changes and providing guidance on what to do next. During Open Enrollment in Fall 2025, you’ll need to choose a new health plan from another carrier to ensure uninterrupted coverage starting January 1, 2026.
How Cosmo Insurance Agency Can Help
Cosmo Insurance is ready to guide you through this change. We know transitions like this can be overwhelming—but you’re not alone. As an experienced and licensed agency, we specialize in matching individuals and families with plans that fit their needs, budgets, and lifestyles.
Here’s how we’ll help:
Free Personalized Consultations – We’ll walk you through all available alternatives once Aetna exits the market. You’ll know your options clearly and confidently.
Access to Multiple Carriers – We work with a wide range of trusted insurance providers, ensuring you’ll still have quality, affordable choices for 2026.
Simplified Enrollment Process – During Open Enrollment, we’ll take the hassle out of switching plans by handling paperwork, comparisons, and deadlines for you.
Year-Round Support – From claims to coverage questions, Cosmo doesn’t just show up at enrollment—we’re with you all year long.
Don’t Wait Until It’s Too Late
While there’s no action to take today, it’s never too early to start thinking ahead. Bookmark this update, and remember that Cosmo Insurance will be here to make the next Open Enrollment season smooth, stress-free, and successful.
Have questions now? Reach out to our expert team. We’re happy to help prepare you for what’s next—because your health coverage should never be left to chance.
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