My Molina plan is ending in Utah for 2027 — what should I do?

What it means

• Your Molina coverage stays in force through December 31, 2026 as long as premiums are paid; the change is that you need a different plan for 2027.
• Off-exchange plans cannot be paired with a premium tax credit, which is available only on plans bought through the Marketplace — so moving to Molina's off-exchange plan generally means paying full price.
• An automatic re-enrollment into another insurer's plan may use a different provider network, drug list and deductible even when the monthly price looks similar.
• Losing a plan that is discontinued generally counts as a loss of coverage, which opens a Special Enrollment Period that starts 60 days before the plan ends and runs 60 days after — but enrolling after January 1 leaves a gap, because the new plan is not retroactive.
• Your premium tax credit follows you to whichever Marketplace plan you choose; it is based on your 2027 income estimate and household, not on the insurer.

Action steps

1. Read the discontinuation letter from Molina and the notice from HealthCare.gov — together they say when your plan ends and which plan, if any, you are being matched to.
2. Call a licensed agent at United Enrollment Services at 1-866-401-4116 — they are licensed in Utah — to compare the 2027 plans that replace yours against your doctors, prescriptions and budget and enroll you before the deadline.
3. See every 2027 Marketplace plan in your county at https://acadirectanswers.com/plans-2027/ut/salt-lake (Salt Lake County) or https://acadirectanswers.com/plans-2027/ut/utah (Utah County) — swap the last part of the address for your own county's name.
4. Update your 2027 income estimate and household size on your application so your premium tax credit is calculated correctly.
5. Check each plan's provider directory and drug list before you choose, and ask how in-progress treatment or prior authorizations will be handled in January.
6. Pick and confirm your new plan by December 15, 2026, then pay the first month's premium so coverage starts January 1, 2027.

Risks & deadlines

• December 15, 2026: last day to choose a plan for coverage starting January 1, 2027 in HealthCare.gov states.
• January 15, 2027: Open Enrollment ends; plans chosen December 16 through January 15 generally start February 1.
• If you are automatically re-enrolled, check the new plan's network, drug list and deductible right away — you can still switch through January 15.
• Coverage does not start until the first premium is paid.
• Off-exchange plans do not carry a premium tax credit; if you qualify for help, stay with a plan bought through HealthCare.gov.