Which Insurers Are Leaving Colorado’s Marketplace in 2027?

Published August 21, 2026 · Daniel Griffin, Licensed Independent Advisor · NPN #22052447

Cigna stops selling individual marketplace plans in Colorado on January 1, 2027 affecting about 41,000 enrollees here. It is part of a complete national exit affecting about 369,000 people across 11 states.

Colorado is one of the largest single-state impacts in the country. About 41,000 Coloradans lose their Cigna plan, and it lands on top of a 10% average rate increase, made final on September 22.

Why Colorado Is Hit Harder Than Most

At roughly 41,000 enrollees, Colorado carries one of the heaviest single-state Cigna books in the country. That matters for replacement supply: when that many people move at once, the plans that look cheapest in November are not always the ones still taking enrollment comfortably in December. Moving early is worth more here than in a state losing a few thousand people.

Who Is Leaving Colorado

Cigna is the confirmed exit — its Colorado individual plans terminate January 1, 2027. Aetna already left the individual market for 2026, so Colorado shoppers have lost two national carriers in consecutive plan years.

Why Cigna left, and what it means nationally →

Who Is Still Selling in Colorado

Cigna is the confirmed exit. Beyond that, Colorado runs its own exchange rather than HealthCare.gov, so its issuer filings are not in the federal plan-year file that covers the other states in this series — and I would rather tell you that than publish a list I cannot stand behind.

What is worth doing instead of guessing: when open enrollment opens, pull the issuer list for your own county from Colorado’s marketplace and compare it against the plan you have now. If you would rather not, send me your ZIP and I will do it and tell you the date I checked.

The definitive 2027 issuer list for Colorado is not final until the state publishes its approved filings. County-level participation changes even among carriers that stay statewide.

The Colorado Rate Increase Lands in the Same Window

Colorado’s final 2027 rates rise 10% on average, against a 14% national median. Those are final, approved rates, but they are averages: what you actually pay depends on your county, age, household, and plan choice.

See what is driving Colorado’s 2027 premium increases →

What To Do in Colorado

• Confirm you are affected. The carrier name is on your ID card, not the exchange’s name. If it says Cigna, you are moving for 2027.
• Your notice comes from Colorado’s own marketplace, not from CMS. People watching for a federal letter miss the state one sitting in the same pile.
• List your doctors and prescriptions first. Network and formulary are exactly where an auto-assigned replacement goes wrong — it matches on metal tier and price, nothing else.
• Enrol by December 15 for coverage starting January 1. Open Enrollment runs November 1 to January 15, but your Cigna plan ends January 1 regardless.

Two things this page does not repeat, because they are the same wherever you live: what happens if you let auto-enrolment decide, and what changes above the 400% subsidy cliff if you are self-employed and paying full freight.

If You Are Above the Subsidy Line, This Is a Different Decision

Most advice about a carrier leaving assumes you have a premium tax credit softening the replacement. If your household is above 400% of the federal poverty level — about $62,600 for one person, $84,600 for a couple and $128,600 for a family of four in 2026 — you do not. You pay the full filed price of whatever you move to, and the enhanced rules that used to cap that at 8.5% of income expired on 31 December 2025.

That changes what you are choosing between. With a credit, moving to a pricier replacement costs you comparatively little, because the credit absorbs most of the difference. Without one, every dollar of the increase is yours.

So before you pick a replacement, do two things in this order:

1. Confirm you are actually above the line. The test is modified adjusted gross income, not revenue, and a retirement or HSA contribution can move a household back under it. How the cliff arithmetic works →
2. If you are clearly above it, price both markets. Marketplace plans charge everyone your age the same regardless of health. If you are healthy and getting no credit, that pooling is costing you something and returning nothing. Your options above the cliff →

If anyone in your household has a meaningful health history, stay on the marketplace — guaranteed issue is exactly what you are paying for, and it is worth it. Why premiums jumped this year →

Sources

• KFF, Preliminary 2027 rate filings — updated August 3, 2026
• ACASignups.net, 2027 rate change tracker — updated August 6, 2026
• Colorado 2027 premium increases

Carrier exit and enrollee counts per Cigna’s announcement and subsequent reporting. Filed rates are preliminary and subject to state review. Confirm your own plan status with your carrier or your exchange account before acting.