Can I keep my doctor on a Marketplace plan?
You can keep your doctor only if that doctor is in the network of the specific Marketplace plan you enroll in, because ACA plans use provider networks and out-of-network care is usually paid in full by the enrollee, according to HealthCare.gov (2026).
More on this topic: health insurance marketplace
What the government has said, on the record
Here's how a federal official described it, on the record:
“The facilities, providers and suppliers your health insurer or plan has contracted with to provide health care services.”
— Centers for Medicare & Medicaid Services (HealthCare.gov), Centers for Medicare & Medicaid Services (U.S. Department of Health & Human Services), HealthCare.gov Glossary, Network (source)
Editor's note: Official HealthCare.gov (CMS) definition of a plan network — a doctor is covered when in the plan's contracted network. Confirm your plan's network at HealthCare.gov.
Who said this
Centers for Medicare & Medicaid Services (HealthCare.gov) · Centers for Medicare & Medicaid Services (U.S. Department of Health & Human Services)
Also asked as
- Are my doctors in the ACA network?
Sources
Last verified: 2026-07-19