Individual & Family Open Enrollment is approaching—and some clients may need to choose a new carrier for 2027.
As the 2027 individual and family health insurance market takes shape, some carriers are leaving certain states or exiting the individual market entirely. For clients currently enrolled with one of these carriers, this could mean more than simply reviewing their renewal options—they may need to actively select a new health plan with a different carrier to maintain coverage.
The good news? They have options, and Cosmo Insurance Agency is ready to help map the next move.
Don’t Let a Carrier Exit Become a Coverage Gap
Open Enrollment for individual and family health plans runs from November 1 through December 31 for coverage beginning January 1.
If your client’s current carrier is no longer offering individual-market coverage in their state, waiting for a renewal notice or assuming their coverage will automatically continue could create unnecessary confusion.
This is the time to:
- 🔎 Review their current coverage and determine whether their carrier is continuing to participate in their state.
- 🗺️ Identify alternative carriers and available products that may fit their needs.
- 💰 Compare premiums, deductibles, networks, and benefits before making a change.
- 📅 Complete enrollment by December 31 when January 1 coverage is the goal.
- ✅ Confirm the new coverage is active so there is no unintended gap.
Carriers Reported as Leaving Certain Individual Markets for 2027
Based on the current carrier information provided, known carrier exits include:
| Carrier | States/Markets Listed |
| Cigna | AZ, CO, FL, GA, IL, IN, MS, NC, TN, TX, VA |
| CareSource | IN, OH, WV |
| PacificSource | ID, MT, OR |
| Medica | IA, KS, OK |
| Baylor Scott & White | TX |
| Providence | OR |
| Mending | ME, OK — exiting health insurance entirely |
| Celtic/Ambetter | DE, NH |
| UnitedHealthcare | GA |
Important: Additional carrier changes may be possible, and carrier participation can vary by state and plan. Always confirm the current carrier and product availability before advising a client or completing enrollment.
A Carrier Change Doesn’t Have to Mean Starting Over
When a carrier leaves the market, clients may feel like they have to figure everything out from scratch. That’s where having an experienced insurance partner can make the transition easier.
At Cosmo Insurance Agency, we help navigate the individual and family health insurance marketplace by looking beyond the carrier name and focusing on what matters to the client—including coverage, provider networks, costs, plan features, and individual needs.
Our goal is to make the transition as straightforward as possible.
Helping You Map the Right Next Move
A carrier leaving the market can create uncertainty, but it can also be an opportunity to reassess coverage and find a plan that better fits your client’s needs for 2027.
Don’t wait until the deadline to find out your client needs a new carrier.
Let Cosmo Insurance Agency help you identify available options, navigate the transition, and keep your clients moving toward coverage for January 1.
Have a client affected by a carrier exit? Contact Cosmo today. We’ll help map their next move.
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