If you have an Aetna health insurance plan in Florida, you’ve likely been informed that Aetna will exit Florida’s Affordable Care Act (ACA) Marketplace after December 31, 2025. Additionally, the carrier will scale back certain Medicare Advantage offerings across the state.
This change will affect thousands of Floridians who must enroll in new coverage during the upcoming Open Enrollment Period (OEP) or Medicare Annual Enrollment Period (AEP) to avoid losing their insurance at the start of 2026.
As a trusted Florida health insurance broker, YourMedPlan helps individuals and seniors understand what this means for their coverage, compare new plan options, and make a smooth transition before their current Aetna plan ends.
Why Is Aetna Leaving Florida’s ACA Marketplace?
Aetna, owned by CVS Health, announced it will no longer participate in Florida’s ACA Marketplace beginning in 2026. The company cited shifting market conditions, regulatory changes, and operational costs as key reasons behind its decision.
This move follows a broader trend of national insurers reassessing their presence on ACA exchanges and adjusting their Medicare Advantage offerings based on profitability and state-by-state market performance.
What Aetna’s Exit Means for You
For ACA Marketplace Members (Under 65 years old)
-
Your Aetna plan will end December 31, 2025.
-
You’ll need to enroll in a new Marketplace plan between November 1 and December 15, 2025, for coverage effective January 1, 2026.
-
Coverage under your new plan begins January 1, 2026, unless you enroll past the December 15 deadline.
If you don’t select a new plan during Open Enrollment, your coverage will automatically end, leaving you uninsured for 2026.
For Medicare Advantage Members (65+)
-
Some Aetna Medicare Advantage plans will be discontinued for 2026.
-
Members affected will receive a letter explaining their plan’s termination and next steps.
-
You’ll need to choose new coverage during the Medicare Annual Enrollment Period from October 15 – December 7, 2025.
Failing to take action could result in losing access to doctors, prescription coverage, or key health benefits.
Why Personalized Guidance Matters
Switching health insurance isn’t just about finding a new carrier; it’s about making sure your doctors, prescriptions, and preferred hospitals remain covered.
Large call centers and online enrollment tools rarely account for these personal details, which can lead to costly mistakes. At YourMedPlan, our licensed health insurance advisors take time to review every detail of your coverage to ensure your transition is seamless.
We’ll confirm:
-
Your primary care doctor and specialists are in-network.
-
Your prescriptions are included in your new plan’s formulary.
-
You’re receiving all available tax credits and subsidies if eligible.
What Are the Best Alternatives to Aetna Plans?
Many Floridians turning away from Aetna are choosing Florida Blue, one of the state’s most stable and widely accepted carriers. Florida Blue offers both Individual & Family health insurance and Medicare Advantage options with robust provider networks and competitive rates.
YourMedPlan is an authorized Florida Blue agency, but our independence allows us to compare multiple carriers to find the plan that best matches your needs, doctors, and budget.
How YourMedPlan Can Help
Our team of licensed agents provides free, personalized support for both ACA and Medicare members.
Our services include:
-
Free enrollment assistance— carriers pay us, not the member.
-
Doctor and medication verification before switching plans.
-
One-on-one guidance for selecting new coverage.
-
Assistance for families, individuals, and seniors affected by plan terminations.
We understand the local provider networks and plan structures across Florida, including major regions like Tampa Bay, Lakeland, and Orlando, helping ensure you stay covered without interruption.
What To Do Next
If you receive notice that your Aetna ACA or Medicare Advantage plan is ending, don’t wait until the last minute. Reviewing your options early ensures a smoother transition and uninterrupted access to care.
Contact YourMedPlan today to schedule a free consultation with a licensed advisor who will help you compare your options, confirm eligibility for subsidies, and enroll in a plan that fits your healthcare and budget needs.
Disclaimer: SandStone Partners Health, dba YourMedPlan, is a licensed health insurance agency and an authorized agency of Florida Blue. We are not affiliated with or endorsed by Aetna, the U.S. government, or HealthCare.gov.
We do not offer every Medicare plan available in every area. Currently, we represent multiple organizations that offer a variety of products in your area. For information on all available options, please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP).
