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Get ahead of the 2027 health insurance renewal season. Discover the major shifts coming to individual and small group markets—including premium increases, a tighter enrollment window, and critical updates to subsidy eligibility. As your broker, I break down what these changes mean for you and share the strategic insights you need to protect your family or business.

CareSource announced that it will exit the Indiana Marketplace and discontinue its D‑SNP plan in Georgia starting in 2027. Members will keep full benefits through December 31, 2026, and can still enroll for 2026. During fall Open Enrollment, affected members will need to choose a new plan to avoid any interruption in coverage.

Cigna will exit the ACA Marketplace after 2026, meaning all members must choose a new plan for 2027. Coverage stays the same for now, but it’s important to review options early to avoid losing insurance when the new year begins.

Baylor Scott & White Health Plan is leaving both Medicaid and the ACA Marketplace in 2026, affecting thousands of Texas families. Members will need to switch plans before coverage ends, but the good news is that their hospitals and clinics will still accept other insurance options.

Delphine keeps a box of tissues at her desk. That may seem unusual for someone in customer service, but those tissues have come in handy more than once. Delphine works at the Blue Cross NC Store in Greensboro, NC. She says, “The most challenging and rewarding part of my job is helping those members who haven’t yet gotten resolution for an issue. They are frustrated, understandably, and they want immediate answers.”

Why having Health Insurance is a Life Hack? And the right thing to do.