A letter that says your Marketplace plan is ending is not a cancellation for this month. It is a notice that the plan you have now will not be there on January 1. Florida uses HealthCare.gov. The work is to read both letters, then decide whether the plan they picked is one you actually want.
What the transition letter means
HealthCare.gov says that by November 1 you should have two letters. One comes from your current insurance company. One comes from the Marketplace.
Read them together. They are supposed to tell you:
- Whether your current plan will be available next year.
- Which plan, if any, you will be automatically re-enrolled in if you do not act by December 15.
- What is changing in the coverage and in any savings on the premium.
- Whether the Marketplace needs documents, and how to send them.
If the company letter says your plan, or a similar plan, will not be offered, the Marketplace matches you with an alternate plan. If the company is not selling Marketplace plans for next year at all, HealthCare.gov says it will re-enroll you with a different company. You do not have to keep that match. During Open Enrollment you update the application, tell the Marketplace you are losing coverage on December 31, and compare the other plans available in your ZIP code.
Missing the company letter is not a crisis. Call the plan for that one. For the Marketplace letter, call the Marketplace Call Center at 1-800-318-2596. Do not send personal information to a number that arrived in a text.
Do your doctors and prescriptions carry over?
No. Not automatically, and not just because the new plan is also a Marketplace plan.
A different company's plan has its own provider network and its own drug list. A doctor who takes your 2026 plan can be out of network on the plan printed in the letter. A prescription that was covered this year can move to a higher tier, need a new prior authorization, or drop off the list. The pharmacy you use can change too.
The letter is not a network promise
The letter is not a promise that the closest network was chosen for your household. HealthCare.gov tells you to compare your current plan with the matched plan and with the other plans on the screen. That comparison is the point of the letter.
Before you enroll:
- Call each doctor's office and ask which 2027 Marketplace plans they expect to accept. A directory can be wrong, and "we take Marketplace plans" is not the same as "we take this plan."
- Check each prescription in that plan's formulary, including the dose and whether a 90-day supply is treated differently.
- Ask the pharmacy you want to use whether it is in network for that plan.
- Look at the deductible and out-of-pocket maximum, not only the premium. A lower premium with your drugs off the list is not a savings.
If you want a written way to do this, the site already has how to keep your doctor when you change plans and how to check prescriptions before you enroll.
The December 15 deadline
Florida's 2027 Marketplace dates, from HealthCare.gov:
- November 1, 2026. Open Enrollment starts. This is the first day to update the application and pick a 2027 plan.
- December 15, 2026. Last day to choose a plan for coverage that starts January 1, 2027. You still have to pay the first premium to the insurance company or coverage does not start.
- December 16, 2026 through January 15, 2027. You can still enroll or change. Coverage from those enrollments generally starts February 1, 2027. Open Enrollment ends January 15.
If you have Marketplace coverage in December and you do nothing by December 15, HealthCare.gov may automatically re-enroll you for a January 1 start. When your company is leaving, that plan can be with a different company. In some cases there is no automatic enrollment. Waiting is not a safe way to "keep what I have," because what you have is ending December 31.
If an automatic plan does start on January 1 and you do not want it, you can still change by January 15, and that new plan generally starts February 1. January would already be on the plan you did not choose.
Update the application even if you like the match
Savings are based on what you expect to earn in 2027, not on last year's tax return. Leave it stale and you can get too little help, or too much, and settle the difference at tax time.
The same dates are on 2027 ACA Open Enrollment: Florida Dates and Checklist. A review is not enrollment.
What to do when the letter arrives
When the letter arrives
- Keep this year's coverage through December 31. The letter is about 2027. Do not drop the plan you have now because a replacement is mentioned.
- Read both letters and write down the plan they matched you to.
- Check doctors, the hospital you would actually use, and every prescription against that plan and against one or two alternatives in your ZIP code.
- Update the HealthCare.gov application with 2027 income and household changes, and report that this coverage ends December 31.
- Choose by December 15 if you want the plan you picked, not the matched plan, to start January 1. Then pay the first premium the way the new company instructs.
- Ignore anyone who says you must pay them to "transfer" the plan or keep a doctor. The Marketplace does not charge a fee to enroll. This office does not charge a separate fee for a plan review.
If the letters disagree, or the matched plan drops a doctor you cannot replace in Polk County, bring both letters to a review before December 15. The choice is yours. The deadline is not.
Request a plan review
Bring both letters, the doctors you want to keep, and your prescriptions. A review is not enrollment.
Start at /get-help/ Coverage Center Call (863) 640-3102Sources
- "Keep or change your insurance plan," HealthCare.gov, accessed October 2, 2026. healthcare.gov/keep-or-change-plan
- "Dates and deadlines," HealthCare.gov, accessed October 2, 2026. healthcare.gov/quick-guide/dates-and-deadlines
- Lakeland Health Insurance, "2027 ACA Open Enrollment: Florida Dates and Checklist," last updated on the live site October 1, 2026. aca-open-enrollment-deadline