Florida Marketplace Plan Cancelled? What to Do for 2027

If you logged into HealthCare.gov and found your Florida Marketplace plan cancelled, or a letter told you your coverage ended August 31, you are not alone and you have a clear path back. On September 22, 2026, CMS announced it had cancelled about 315,000 Marketplace enrollments covering more than 760,000 people nationwide as part of an anti-fraud sweep, and it is changing how agents and brokers work on applications for 2027. Florida uses HealthCare.gov and has more Marketplace enrollees than any other state, so these changes land here first. Here is what happened, what to check in your account, and what is different when Open Enrollment starts November 1.

What CMS did, and why your plan may have been cancelled

According to the CMS fact sheet, the agency and health insurers reviewed enrollments flagged as potentially unauthorized and cancelled roughly 315,000 of them effective August 31, 2026, covering over 760,000 individuals. CMS expects about $2.2 billion in advance premium tax credit payments to be returned for those enrollments, and says it will keep identifying and investigating potentially unauthorized enrollments with insurers.

The interim final rule CMS published the next day describes who was swept in. A cancelled enrollment generally met all of these conditions:

• It was submitted with help from an agent or broker.
• The application lacked a verified Social Security number or citizenship or immigration document.
• The insurer found no claims on the coverage and could not reach the consumer to confirm the enrollment.

Read that list carefully, because it says something important: a cancellation is not an accusation against you. These actions target unauthorized agent and broker activity, including plans people never knowingly signed up for. Insurers tried to reach affected enrollees first, and coverage was cancelled when no one responded and no claims were found. If your enrollment was legitimate but you missed a verification letter, your coverage could still have ended, which is why checking your account matters now.

Why Florida feels this more than anywhere else

Florida has no state exchange: every Marketplace plan here runs through HealthCare.gov, which is exactly where these cancellations and the new 2027 rules apply. Agent and broker help is also common here, so the new agent rules touch a large share of Florida applications. CMS did not publish a state-by-state breakdown, so there is no official Florida count, but the state's position as the largest HealthCare.gov market means a meaningful share of affected households are here.

The timing also stacks on top of carrier changes. Two Cigna entities and Sunshine State Health Plan are leaving Florida's individual market after December 31, 2026, so some households will be picking a new plan this fall for more than one reason. Our guide to which Florida health plans end in 2027 covers who is actually leaving and who is not.

What to check in your HealthCare.gov account right now

Do not wait for November 1 to find out where you stand. Log in at HealthCare.gov and check:

1. Your coverage status. Under "My Plans & Programs," confirm whether your 2026 plan shows as active or terminated, and the end date if it ended.
2. Your mail and notices. Look in the account's message center for eligibility or verification notices you may not have received on paper, and follow exactly what your own notice asks for.
3. Who is listed as helping you. If an agent or broker you do not recognize is attached to your application, that is worth a call to the Marketplace.
4. Your application details. Make sure the Social Security numbers, immigration documents, income, and household members listed are yours and are correct.

If your plan was cancelled and you believe your enrollment was legitimate, call the Marketplace Call Center at 1-800-318-2596 and ask what your options are for your specific case. We are not going to promise you a reinstatement path here, because CMS has not published one; what the Marketplace tells you about your own application is the answer that counts.

New for 2027: you approve before an agent acts

Two changes arrive with the 2027 plan year, and both are designed to stop the problem above rather than to burden you:

• Electronic consumer authorization. Before an agent or broker can act on your application or enrollment, you will need to approve it electronically. CMS says this is being put in place ahead of Open Enrollment but has not announced an exact date, so expect an approval step you did not see last year and treat it as protection, not friction.
• Verifiable identification on every agent-assisted application. Applications involving an agent or broker must include a Social Security number or immigration document number that CMS can verify for every applicant except newborns.

For an honest agent and an informed client, neither change is a problem. It does mean enrollment may take a few more minutes this year, and that you should never approve an authorization request from someone you have not actually been working with.

What to have ready before November 1

A little preparation makes the new process painless. Before Open Enrollment opens, gather:

• Social Security numbers, or immigration document numbers, for everyone who will be on the application.
• Your best estimate of 2027 household income, since your premium tax credit is based on it. You can estimate your Florida subsidy ahead of time.
• A list of your doctors and prescriptions, so you can check networks before you commit.
• Access to the email address and phone number on your HealthCare.gov account, because the authorization step will reach you there.

The dates, and the asterisk on them

Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027, with December 15, 2026 the deadline to pick a plan that starts January 1. If your plan was cancelled in the sweep, enrolling during this window is the clean path back to coverage for the new year. One honest caveat: a rule that would have shortened the window was vacated by a federal court in June 2026, the government has appealed, and the appeals court hears argument on October 30, 2026. We verified the current dates against HealthCare.gov and the court docket on October 15, 2026; confirm them on HealthCare.gov as you plan. Our Florida Open Enrollment 2027 guide explains the deadlines in detail.

Talk to a licensed Florida agent you can verify

If this year has a theme, it is this: know who is working on your application. We are a licensed Florida insurance agency, not the government and not HealthCare.gov, and you can verify any Florida agent's license on the state's Division of Insurance Agent and Agency Services site before you share a single document. If you want help sorting out a cancelled plan, checking whether your subsidy survives, or comparing 2027 plans in your county, request a free quote or call (888) 880-4335. You will know exactly who you authorized, which is the whole point.