Which Insurers Are Leaving Indiana’s Marketplace in 2027?

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

Cigna stops selling individual marketplace plans in Indiana on January 1, 2027 affecting about 67,000 enrollees here. It is part of a complete national exit affecting about 369,000 people across 11 states. CareSource is also leaving Indiana.

Indiana loses two carriers at once: Cigna is exiting the ACA nationwide and CareSource is leaving Indiana, together displacing about 67,000 Hoosiers. UnitedHealthcare has filed a 32.4% increase in the same year.

Indiana Loses Two Carriers, Not One

Indiana is the worst-positioned state on this list. Cigna is leaving as part of its national exit, and CareSource is separately leaving Indiana — together displacing about 67,000 Hoosiers in a single plan year. UnitedHealthcare has filed a 32.4% increase on top of it. Two carriers out and a double-digit rise in the same window means fewer remaining options, each priced higher, competing for a much larger pool of people who all have to move at once.

Who Is Leaving Indiana

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

Why Cigna left, and what it means nationally →

Who Is Still Selling in Indiana

2 of the 5 issuers that filed marketplace plans in Indiana for 2026 are leaving for 2027. Here is the full 2026 field and what has actually been announced:

That is 49% of every plan filed in Indiana. Replacement supply is not the reassuring number it looks like — when that share of the market exits at once, the remaining plans absorb the whole displaced pool, and the ones that look cheapest in November are not always the ones still comfortable in December. Moving early matters more here than in a state losing a single small issuer.

“No exit announced” is not a guarantee of participation. The definitive list of issuers approved to sell in Indiana for 2027, and which counties each one serves, is not final until CMS publishes the plan-year landscape data in the autumn. County-level participation also changes among carriers that stay statewide. Plan counts are PY2026 CMS filed data. Check your own county at open enrollment, or ask and I will pull it for you.

The Indiana Rate Increase Lands in the Same Window

Indiana carriers have filed a weighted average increase of about 32.4% for 2027, against a 15% national median. Filed rates are not final rates — they go through state review before approval — so treat that as direction and scale, not as your personal number. What you actually pay depends on your county, age, household, and plan choice.

See what is driving Indiana’s 2027 premium increases →

What To Do in Indiana

• 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.
• Watch for the non-renewal notice this autumn — it arrives in the same window everyone else is shopping, when advisors are hardest to reach.
• 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
• Indiana 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.