If you have a CareSource or Cigna Marketplace health plan in Indiana, you’ll need to choose a new health insurance plan for 2027.

The good news? Your current coverage isn’t ending tomorrow.

Both carriers will continue honoring your health plan through December 31, 2026. However, because these companies won’t offer Marketplace plans in Indiana next year, you’ll need to enroll in a new plan during Open Enrollment if you want coverage starting January 1, 2027.

Here’s what this change means, what your options are, and how to avoid common mistakes during Open Enrollment.

Why are they leaving?

Insurance companies regularly evaluate whether participating in the Marketplace is financially sustainable. Every year, some insurers expand into new states while others decide to leave.

• CareSource is leaving Indiana’s individual marketplace for 2027. This follows its earlier exits from Kentucky, Michigan, and North Carolina.
• Cigna is exiting Marketplace plans in multiple states across the country as part of a broader business strategy. For the full national picture, see Cigna is leaving the marketplace: what it means.
• Carriers like Anthem and UnitedHealthcare are expected to remain on Indiana’s marketplace, so the exchange isn’t emptying — but fewer carriers competing usually means fewer network choices and less price pressure.

Although these departures reduce the number of available carriers, Indiana residents will still have Marketplace options for 2027.

Your three doors for 2027

Your current plan remains active through December 31, 2026. Nothing changes today. Your only responsibility is choosing a replacement plan during Open Enrollment if you want coverage to continue on January 1, 2027.

1. Pick a new marketplace plan during Open Enrollment (November 1 – December 15, 2026). If you qualify for a subsidy, this is usually where you start. You will NOT keep your current network automatically — check that your doctors are in the new plan’s network before you enroll, not after.
2. A private, health-based plan. Priced on health rather than income, often cheaper for healthy individuals and families — especially if you don’t qualify for much of a subsidy — and you can enroll year-round instead of waiting for a window. Start with private health insurance in Indiana.
3. Do nothing and get auto-assigned. If your carrier leaves and you take no action, the marketplace may map you to a different insurer’s plan. That plan may not include your doctors or your medications’ tier. This is the door people regret.

If you’re already weighing whether the marketplace still makes sense for you at all, run through the 5-question checklist first.

Your 2027 options

Option 1: Choose another Marketplace plan.
Best for: People who qualify for subsidies or want ACA-compliant coverage.

Option 2: Private health insurance.
Best for: Healthy individuals or families who may qualify through medical underwriting and don’t receive significant Marketplace subsidies.

Option 3: Do nothing.
Possible result: The Marketplace may automatically assign another plan, but your doctors, prescriptions, deductible, and monthly premium could all change.

Don’t assume you’ll keep the same doctors. Don’t wait until the last week of Open Enrollment. Don’t rely on automatic enrollment without comparing plans. Don’t choose based only on the monthly premium.

The bottom line

A carrier leaving is not a crisis, think of it as a reminder to review your options.

The people who usually have the smoothest Open Enrollment experience aren’t necessarily the ones with the best current plan. They’re the ones who start comparing early.

Review your doctors, prescriptions, monthly budget, and coverage needs before Open Enrollment begins so you’re ready to make an informed decision.

Not sure which option makes the most sense?

I help individuals, families, and self employed professionals compare Marketplace and private health insurance options at no cost.

During a 30 minute consultation we’ll:

✔ Review your current coverage
✔ Compare available plans for 2027
✔ Check your doctors and prescriptions
✔ Answer your questions with no sales pressure

Schedule your free consultation or request a personalized quote today.

Request your free quote or book a call with me — or call/text 954-501-5554.

Frequently Asked Questions