The major carrier Aetna, a CVS Health company, is preparing to withdraw from Florida’s Affordable Care Act (ACA) Marketplace and scale back certain Medicare Advantage plans for 2026. Many Floridians are now asking the same question: “Will I still be able to see my doctor next year?”
The upcoming health insurance market change affects thousands of individuals and families statewide who will need to select new coverage for 2026. Aetna’s decision underscores a larger shift within the health insurance industry as carriers adjust to economic and regulatory challenges.
The reassuring news is that most Floridians can continue seeing their current doctors, as long as they transition to a new plan with the right provider network. At YourMedPlan, our licensed health insurance advisors help clients verify doctors, prescriptions, and preferred hospitals before making any coverage changes.
Understanding Aetna’s Exit from the Florida Marketplace
For ACA members, this means current Aetna plans will end on December 31, 2025, and new coverage must be selected during the Open Enrollment Period (November 1 – December 15, 2025 for coverage beginning January 1, 2026).
Some Aetna Medicare Advantage members will also receive notices indicating their plans will not renew for the upcoming year. Those individuals must make changes during Medicare’s Annual Enrollment Period (October 15–December 7, 2025).
Failing to act during these enrollment windows could result in a lapse of coverage or higher out-of-pocket medical costs.
Why Provider Networks Are So Important in Florida
Every health insurance plan relies on a network, or a contracted group of doctors, hospitals, and specialists who agree to provide services at negotiated rates.
When switching carriers, it’s essential to verify that your preferred providers participate in the new network.
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ACA Marketplace Plans: Networks may differ significantly between companies. Some offer broader PPO access, while others use smaller HMO networks limited to specific counties.
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Medicare Advantage Plans: These networks determine which physicians and facilities you can use. Selecting the wrong plan may limit access to your existing care team.
Working with a knowledgeable advisor at YourMedPlan helps you select a plan that maintains the doctor-patient relationships you value most.
Steps to Ensure You Keep Your Doctor In-Network
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List your current providers. Include all physicians, specialists, hospitals, and clinics you visit regularly.
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Confirm network participation. YourMedPlan’s agents check each provider across available carriers and verify whether they remain in-network for 2026.
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Review prescription coverage. YourMedPlan compares your medications against each plan’s formulary to confirm affordability and access.
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Enroll early. Avoid waiting until the final week of open enrollment to make updates or confirm network status.
These proactive steps help you maintain consistent care without interruption.
Comparing Alternatives to Aetna
Florida Blue continues to be one of the most stable and widely accepted health insurance carriers in the state. With a large statewide network and options for both ACA and Medicare coverage, it remains a strong choice for individuals seeking continuity of care.
YourMedPlan works with Florida Blue and other leading carriers to compare plan options side by side. Our independence as allows us to recommend solutions that best fit your providers, medications, and budget.
If Your Doctor is Not in the New Network
If your preferred provider does not participate in the network of your new plan, you still have options:
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Choose a different plan that includes your provider.
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Ask your doctor if they accept other insurance carriers available in your area.
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Select a new physician recommended by your current provider or by our advisory team to ensure uninterrupted care.
Our advisors at YourMedPlan can assist you in identifying trusted local providers who accept your new health coverage.
Protect Your Access to Care
If your Aetna Marketplace or Medicare Advantage plan is ending, now is the time to prepare for 2026. Acting early ensures your doctors remain covered and your healthcare continues without disruption.
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).
