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- Cignaleaving the Arizona marketplace for 2027
- About 28%average full price increase for 2027
- Dec 15last day to pick a plan that starts January 1
What is happening in Arizona
Cigna is leaving the ACA individual market in all 11 states where it sells, and Arizona is one of them. If you have a Cigna marketplace plan, it ends on December 31, 2026, and you will get a non renewal notice. If you do nothing, you may be moved into another plan automatically, and that plan is chosen on price and metal level, not on your doctors.
Prices are moving too. Arizona plans are raising full price premiums by about 28 percent on average for 2027, roughly double the national average of about 15 percent. If you get a subsidy, what you actually pay depends on your 2027 income, not on that number.
Where carriers are leaving
Carrier exits for 2027 are real, and they are spread across the country. Cigna is leaving the individual market in all 11 states where it sells. Baylor Scott & White is leaving Texas, CareSource is leaving Indiana, Ohio and West Virginia, Medica is leaving Iowa, Kansas and Oklahoma, and several smaller carriers are leaving other states. If you moved recently or have family elsewhere, the all states overview lists them.
What this means for you
If you get a subsidy, the headline increase is not what you pay. Your subsidy is recalculated on your estimated 2027 income, and it usually absorbs much of a price increase. Updating your income estimate matters more than the rate filing.
If you do not get a subsidy, you feel the full increase. This is where it pays to compare more than one kind of coverage. Private major medical plans are priced differently from ACA plans, and for some people who pay full price they can cost less for similar coverage. I compare both, side by side, so you can see the real numbers for your household.
The practical point: if your carrier stays, most plans renew automatically at the new 2027 price. If your carrier leaves, you may be moved automatically into a plan someone else picked. Neither checks whether a different plan now costs less or fits your doctors better. That check takes a few minutes.
The dates that matter in Arizona
Arizona uses the federal marketplace at HealthCare.gov, so it follows the federal calendar.
- Fall 2026Renewal notices arrive with your 2027 price. Read it, even if you plan to keep your plan.
- November 1, 2026Open enrollment opens for 2027 coverage on HealthCare.gov.
- December 15, 2026Deadline to pick a plan that starts January 1, 2027.
- January 15, 2027Open enrollment closes. After this you generally need a qualifying life event to change plans.
What to do, in order
Read your renewal or non renewal notice
It shows your 2027 premium and any plan changes. Compare it with what you pay today.
Write down your doctors and your prescriptions
The physicians you want to keep and the exact drugs with dosages. Networks and drug lists change from year to year even when the carrier stays.
Update your income estimate for 2027
Your subsidy is based on your estimated income for the year ahead. If it changed, your real cost changes with it.
Compare before December 15
That is the last day to pick a plan that starts January 1 in Arizona. Compare on total cost, meaning premium plus deductible plus what you expect to use, and include private options if you pay full price.
Common questions
Is my health insurance company leaving Arizona in 2027?
Yes, one is. Cigna is leaving the ACA individual market in all 11 states where it sells, including Arizona, so Cigna marketplace plans in Arizona end on December 31, 2026.
Why is my premium changing for 2027?
Arizona plans are raising full price premiums by about 28 percent on average for 2027, roughly double the national average of about 15 percent. If you get a subsidy, your net cost depends on your 2027 income.
Do I have to use a broker?
No. You can enroll yourself at HealthCare.gov at no cost. A licensed broker also costs you nothing, because brokers are paid by the carriers and the premium is identical either way. A broker can also show you private plans that are not sold on the marketplace.