How to Keep Your Doctor in 2027: Check the Network Before You Choose an ObamaCare Plan in Florida
Updated October 26, 2026 · By the Arte Insurance team · 6-minute read
To keep your doctor in 2027, check the network of the exact plan before you choose it. In Florida, almost every ObamaCare (Marketplace) plan for 2027 is an HMO or EPO, which don’t pay for non-emergency care outside the network. On HealthCare.gov you can add your doctors, hospitals and medicines when you compare plans and see which plans cover them in network; then confirm with the insurer and with your doctor’s office, using the plan’s full name. Choose by December 15 for coverage on January 1.
Updated: October 26, 2026 · Sources: HealthCare.gov: comparing plans · CMS: what you should know about provider networks (February 2026)
Networks change every year, even if you keep the same plan, and in 2027 many Florida families also have to change insurance companies. This guide shows how to check whether your doctors, hospital and medicines are covered before you enroll, and what protections you have if something changes.
Why the network matters more in 2027
- HMO and EPO plans are the norm. On the state’s 2027 list, 11 of the 12 companies selling Marketplace plans in Florida are listed as HMOs and the 12th, Blue Cross and Blue Shield of Florida, as an EPO. Neither type pays for non-emergency care outside the network.
- Three companies are leaving. Cigna, Molina and Sunshine State Health Plan don’t sell Florida Marketplace plans for 2027, so their members are changing networks. See which insurers are leaving and staying.
- One company, several networks. According to CMS, insurance companies may have different networks for different plans. “My doctor takes Ambetter” or “takes Florida Blue” isn’t enough: what matters is the specific plan.
| Plan type | Out-of-network care (non-emergency) |
|---|---|
| HMO | Not covered. You may need to live or work in the service area. |
| EPO | Not covered. Only in-network doctors, specialists and hospitals. |
| PPO | Covered at a higher cost, without a referral. |
| POS | Lower cost in network; referrals needed to see specialists. |
Definitions from CMS, “What you should know about provider networks.”
5 steps to check before you choose
- Make a list of your doctors, specialists, hospital, clinics, pharmacy and medicines (name and dose), for everyone in your household. The doctor’s NPI number helps.
- Add them on HealthCare.gov. When you compare plans, you can search for your doctors, medical facilities and prescription drugs, and HealthCare.gov tells you whether each plan covers them in network. The plan type (HMO, EPO, PPO, POS) appears under the plan name.
- Check the insurer’s directory for that plan, using the link in the plan details, or call the insurer. Write down the plan’s full name and its 14-character plan ID.
- Call your doctor’s office. Ask whether they accept that specific plan in 2027, not just the company, and whether they expect to leave the network.
- Check the drug list. Make sure each medicine is on the plan’s list of covered drugs and see what tier it’s in.
If no plan includes your doctor
- Prioritize. If you’re in treatment (cancer, pregnancy, a scheduled surgery), keeping that specialist may matter more than keeping everyone.
- Ask the plan for an exception to cover an out-of-network doctor at in-network cost, or for continuity of care (see below).
- Pay out of network or change doctors. With an HMO or EPO, out-of-network visits are usually paid entirely by you.
- Appeal if a claim is denied. HealthCare.gov explains the appeals process.
Protections you have
The federal No Surprises Act gives Marketplace members these protections, according to CMS:
- Emergencies: emergency care at an out-of-network hospital is charged at in-network cost sharing, with no prior approval required.
- Continuity of care: if your doctor’s contract with your plan ends while you’re being treated for a serious or complex condition, are pregnant, are scheduled for non-elective surgery, are in inpatient care or have a terminal illness, you can ask to keep seeing that doctor on the same terms for up to 90 days.
- Directory errors: if you went to an out-of-network doctor because the plan’s directory said they were in network, you can’t be charged more than in-network cost sharing.
CMS notes that the regulations for continuity of care and directories haven’t been issued yet; plans must follow the law in good faith in the meantime. These protections don’t keep a plan that is ending, and a doctor leaving the network generally doesn’t open a Special Enrollment Period.
Key dates
- November 1, 2026: Open Enrollment starts. Check networks as soon as 2027 plans are visible.
- December 15, 2026: last day to choose a plan that starts January 1.
- January 15, 2027: Open Enrollment ends; plans chosen after December 15 start February 1. If you enroll and find your doctor isn’t in network, you can change plans until then.
Frequently asked questions
Does Florida Blue have PPO plans on the Marketplace in 2027?
On the state’s 2027 list, Florida Blue’s Marketplace plans are EPO (Blue Cross and Blue Shield of Florida) and HMO (Health Options). Check each plan’s network type on HealthCare.gov.
My doctor’s office says they “take” a company. Is that enough?
No. Ask about the specific plan or network name for 2027, and confirm it in the insurer’s directory.
I was automatically re-enrolled. Is my doctor still in network?
Not necessarily. Networks change every year, and if your company left, the Marketplace may have matched you with a plan from another company. Check before December 15.
Can an agent check this for me?
Yes. A licensed agent can compare the plans in your county against your doctors and medicines.
We check your doctors and medicines with you
We are a private insurance agency licensed in Florida (license L116417), based in Hialeah. We help families across Florida in English and Spanish: we check your doctors, hospital and medicines against each plan in your county, explain the network type and help you choose and pay for your 2027 plan. Insurers pay us, so your premium is the same as if you enrolled on your own. Before we help with a Marketplace application, we ask for your consent.
Get a quote or call (786) 808-1802. See also how to renew ObamaCare for 2027.
Arte Insurance is a private insurance agency licensed in Florida (license L116417). We are not HealthCare.gov or a government agency, and we are not affiliated with the companies named here. This article is general information, not legal advice; networks, drug lists and plan rules depend on the plan and can change. Confirm with the plan and your doctor’s office.
Sources: HealthCare.gov: comparing plans (search your doctors, facilities and drugs) · HealthCare.gov: finding a doctor in your plan · CMS: what you should know about provider networks (February 2026) · CMS: No Surprises Act, overview of key consumer protections (June 2026) · CMS: No Surprises Act implementation status · Florida Office of Insurance Regulation: 2027 individual market companies and plan types · healthinsurance.org: keeping your doctor next year (September 2026)