Can I keep my doctor with private PPO health insurance?

Yes. We verify your doctors are in-network before you enroll. Our licensed advisors only recommend health insurance plans that include your providers when available.

What is a private PPO health insurance plan?

Private PPO plans are off-exchange health insurance options available only through licensed agents like RKA. They often include broader nationwide networks and different cost structures than marketplace plans.

Do I qualify for health insurance savings?

Many households qualify for income-based premium tax credits on marketplace health insurance plans. Our licensed advisors estimate your monthly contribution and compare marketplace vs private PPO options.

When can I enroll in health insurance?

Private PPO health insurance plans are available year-round. Marketplace plans have Open Enrollment periods and Special Enrollment windows. Speak to one of our licensed advisors to verify what you're eligible for.

Robert Adams 9/15/26 Robert Adams 9/15/26

Baylor Scott & White Leaving Texas 2027

Baylor Scott & White is leaving Texas' marketplace for 2027 — ~100,000 members need a new plan. Your options, explained.

Texas • 2027 Coverage Change

Baylor Scott & White Is Leaving Texas' Marketplace for 2027

Fast take: Baylor Scott & White Health Plan will not offer individual marketplace plans in Texas for 2027. Coverage stays active through December 31, 2026, but it won't renew — about 100,000 Texans need a new plan. And they're not the only one leaving: Cigna is exiting Texas too. The good news — you're not losing coverage, just switching carriers, and you can keep any subsidy you qualify for. A licensed advisor moves you to the right plan at no cost, and can add dental, vision, and supplemental coverage so you're not left with gaps.

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~100,000Texans losing Baylor Scott & White coverage

Dec 31, 2026Last day of current coverage

2 carriersBaylor Scott & White and Cigna both exiting Texas

Texas is losing two carriers at once. Baylor Scott & White and Cigna are both leaving the Texas marketplace for 2027. If either is your plan, you'll be choosing something new this open enrollment — and Texas premiums are rising about 14% for 2027, so it pays to compare before you're auto-moved into whatever's left.

What this means for you

This is a carrier exit, not the end of your coverage. Your Baylor Scott & White plan pays claims normally through December 31, 2026. For 2027 you'll pick a new plan during open enrollment (opens November 1, 2026). If you don't choose, the marketplace may auto-enroll you in a similar plan — but that's rarely the best value, and it can change your doctors, drugs, and subsidy. Choosing on purpose beats being defaulted.

Your options for 2027

Private nationwide PPO — the upgrade

A premium plan with a broad nationwide network and no referrals
Offered by only a limited number of agents — we're one
Many Texans happily pay a bit more for better coverage and freedom to see any doctor
Enroll year-round, not just during open enrollment
Medically underwritten — we'll confirm you qualify

A new marketplace plan — keep your subsidy

Your subsidy moves with you — many people pay little or nothing
Guaranteed issue: no health questions, covers pre-existing conditions and maternity
New Texas options are entering — including UnitedHealthcare-Sanitas, expanding in Texas for 2027
A solid base you can strengthen with the add-ons below

On a budget? You can still be well covered. Pair a low-cost marketplace plan with add-ons from the private side — dental, vision, and guaranteed-issue supplemental coverage that help with the gaps a high-deductible plan can leave. Everyone qualifies for something, usually for a small monthly add.

Self-employed or 1099 in Texas? This matters more for you

Texas has one of the largest self-employed and 1099 workforces in the country, and those are exactly the households that feel a carrier exit and a 14% rate increase the hardest — especially anyone earning above the subsidy line. That's where comparing a private nationwide PPO against the marketplace can save you the most. We do that comparison for free.

What to do now

1. Don't wait to be auto-moved — the default plan is rarely your best option.
2. Check your subsidy — a job or income change can raise or lower it for 2027.
3. Confirm your doctors and prescriptions are covered before you pick a plan.
4. Enroll by December 15, 2026 for coverage starting January 1.

Losing Baylor Scott & White in Texas? Let's find your best 2027 plan.

Free call with a licensed advisor — we compare your Texas marketplace options (and a private PPO if it fits), keep your subsidy, and check your doctors. No cost to you.

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Frequently asked questions

Is my Baylor Scott & White plan ending right now?

No. Your coverage stays active through December 31, 2026. It simply won't be available to renew for 2027, so you'll choose a new plan during open enrollment (November 1, 2026 onward).

Will I lose my subsidy?

No — if you qualify for a premium subsidy, it moves with you to whatever new plan you choose. Your amount depends on your 2027 income, which we'll check with you.

Cigna is leaving Texas too — does that affect me?

Both Baylor Scott & White and Cigna are exiting Texas' marketplace for 2027. If you have either, you're switching carriers. Cigna members can see our Texas Cigna page below.

Do I have to use the marketplace, or is there another option?

You've got choices. A new marketplace plan keeps your subsidy, or you can step up to a private nationwide PPO for a broader network — plus dental, vision, and supplemental coverage on any plan. We'll build the right mix for you.

Related guides

RKA Insurance Advisors is an independent, licensed health insurance brokerage (NPN 19540130) and is not affiliated with or endorsed by Baylor Scott & White, Cigna, or UnitedHealthcare. Carrier participation and plan availability for 2027 are based on public filings and announcements and are subject to change; confirm current options before enrolling. We compare ACA marketplace and private, medically-underwritten nationwide PPO plans, plus supplemental, dental, and vision coverage. Private plans are not ACA-compliant and are subject to medical underwriting — not all applicants qualify. We do not offer Medicare. Not insurance, legal, tax, or financial advice. Call (561) 806-9913.