Your Insurer Leaving? 2027 Health Options in FL & TX
Your insurer is leaving the marketplace — or your premium doubled? Your 2027 options in Florida & Texas
If your health insurer is exiting the ACA marketplace for 2027, or your premium jumped when the federal subsidies ended, you have options beyond an expensive replacement plan. A discount medical plan like Sun Health & Dental gives Florida and Texas residents affordable access to doctors, dentists, labs, and prescriptions for $40/month. It is NOT insurance — but with no deductible and no waiting periods, it covers the everyday care most families actually use, starting the day after you enroll.
What’s happening for 2027
Two things hit at once. First, the enhanced premium tax credits that held down ACA marketplace costs expired at the end of 2025, and premiums have risen sharply. Second, a wave of insurers is leaving the marketplace for 2027 — as of mid-September 2026, nine carriers had announced exits, led by Cigna withdrawing from all eleven states where it sells. If your plan is being discontinued or your renewal price is unaffordable, you are far from alone, and you do have choices.
Your options, honestly
Option | What to know |
Re-shop the marketplace | You may find another plan, but with fewer carriers and no enhanced subsidies, premiums and deductibles are often higher. Worth checking — especially if you qualify for remaining subsidies. |
Go without coverage | Not recommended. A single emergency can mean tens of thousands in bills. If cost is the barrier, an affordable discount plan is a far safer fallback than nothing. |
A discount medical plan | A low monthly membership (e.g. Sun Health & Dental at $40/month) for discounted, pre-negotiated rates you pay providers directly. Not insurance, but no deductible and immediate access to everyday care. |
How a discount medical plan works
Instead of paying premiums to an insurer who reimburses providers, you pay a flat monthly fee for access to a network of doctors, dentists, and facilities who have agreed to charge members reduced, published rates. You show your membership and pay the discounted rate directly at the time of service — so you know the price before you walk in. There are no claims, no reimbursement paperwork, and typically no deductible to meet first.
What Sun Health & Dental includes
$40/$45/$50 per month
for an individual, couple, or family of up to five (one-time $30 application fee).
600,000+ providers
nationwide — primary care, specialists, dental, vision, labs, diagnostic imaging, urgent care, and hospitals.
24/7 telemedicine included
plus GoodRx Platinum pharmacy savings and prescription assistance.
No deductibles, no waiting periods, guaranteed acceptance
regardless of pre-existing conditions — use it the day after you enroll.
Hospital bill negotiation
the in-house team reduced members’ total hospital claims by an aggregate average of 93% in 2026 (individual results vary and are not guaranteed).
Who it’s best for — and its limits
A discount medical plan is an excellent fit if you’re uninsured or between plans, facing a premium you can’t absorb, self-employed, a student, or you mainly need affordable everyday care. It is not a replacement for major-medical insurance in every situation — someone anticipating major surgery or managing a complex chronic illness may still need a comprehensive policy. For millions of Floridians and Texans, though, it’s the practical way to keep seeing a doctor without a four-figure monthly bill. Not sure it’s real? See Is Sun Health & Dental legit?, or compare the full list of health insurance alternatives.
Enrollment takes a few minutes, acceptance is guaranteed, and you can often see a provider the next day. Compare plans or ask questions at sunhealthdental.com, or call (855) 786-0626.
Frequently Asked Questions
My ACA plan is being discontinued — what are my options?
You can re-shop the marketplace (often at higher cost with fewer carriers for 2027), or consider a discount medical plan like Sun Health & Dental for affordable everyday access to care at $40/month. Going without coverage is not recommended, since one emergency can create tens of thousands in bills — a discount plan is a much safer, affordable fallback.
Is a discount medical plan the same as health insurance?
No. Sun Health & Dental is a discount medical plan, NOT insurance. You pay a low monthly membership fee and then pay discounted, pre-negotiated rates directly to providers. There are no claims and no reimbursement, but also no deductible and no waiting periods.
How much does Sun Health & Dental cost?
The Core Plan is $40/month for an individual, $45 for a couple, and $50 for a family of up to five, plus a one-time $30 application fee. There are no deductibles.
Can I use it right away, and what about pre-existing conditions?
Yes. There are no waiting periods and acceptance is guaranteed regardless of age or pre-existing conditions. Most members can see a provider the day after enrolling.
Does it cover Florida and Texas?
Yes. Sun Health & Dental serves Florida and Texas through a national network of 600,000+ providers, and is a licensed Discount Plan Organization in Florida and a registered Discount Health Care Program in Texas.
Sun Health & Dental is a discount medical plan, it is NOT insurance. It does not make payments to providers. Members are required to pay the entire amount of the discounted rate for all healthcare services, but receive discounts from participating providers. The program does not guarantee the quality of the services or products offered by individual providers. Regulated by the Florida Office of Insurance Regulation and registered with the Texas Department of Insurance.