Which Insurers Are Leaving Virginia’s Marketplace in 2027?

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

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

Virginia runs its own exchange rather than HealthCare.gov, so watch for the notice from Virginia’s Insurance Marketplace rather than from CMS — and do not assume the auto-assigned plan matches what you had.

Your Notice Comes From Virginia, Not CMS

Virginia runs its own exchange rather than HealthCare.gov. Your non-renewal notice and any auto-assignment come from Virginia’s Insurance Marketplace, not from CMS — which matters because people watching for a federal letter can miss a state one sitting in the same pile. Virginia has also not published a statewide 2027 average yet, so any national percentage you read does not describe your renewal.

Who Is Leaving Virginia

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

Why Cigna left, and what it means nationally →

Who Is Still Selling in Virginia

Cigna is the confirmed exit. Beyond that, Virginia 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 Virginia’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 Virginia is not final until the state publishes its approved filings. County-level participation changes even among carriers that stay statewide.

Where 2027 Rates Stand

The national median proposed increase for 2027 is around 15%. Virginia has not published a directly comparable statewide figure in the filings reviewed here, so treat the national number as background rather than as your renewal. Filed rates are preliminary and subject to state review.

See what is driving Virginia’s 2027 premium increases →

What To Do in Virginia

• 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 Virginia’s Insurance 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
• Virginia 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.