PacificSource Is Leaving the Oregon, Idaho, Montana & Washington Exchanges: Your 2027 Options

What PacificSource Announced

PacificSource confirmed it will not offer exchange (ACA marketplace) plans for 2027 in any of the four states where it currently sells them:

A PacificSource spokesperson explained the decision this way: "The healthcare system is unsustainable. Costs continue to rise, access is inconsistent, and the experience often falls short of what people need and deserve."

PacificSource is not alone. At least a dozen insurers, including Cigna, Molina, CareSource, and Medica, are exiting or shrinking their ACA footprints for 2027, a wave driven in part by the expiration of enhanced premium tax credits at the end of 2025. For the full list, see our guide to insurer exits in 2027.

Montana Is Different: A Complete Exit

In Oregon, Idaho, and Washington, this announcement is about exchange plans. In Montana, PacificSource is withdrawing from the state altogether, which means the roughly 42,000 Montanans affected include people on Medicare Advantage plans and workers covered through their employers, not just marketplace shoppers. If you are a Montana member on any PacificSource product, do not assume this news is only about the exchange. Watch for your specific discontinuation notice: Medicare Advantage members will choose during the Medicare Annual Enrollment Period, employer groups will hear from their HR or broker, and marketplace members follow the Open Enrollment timeline below. Our Montana health insurance page covers the carriers still available in the state.

If you are in one of the other three states, start with our state guides for Oregon, Idaho, or Washington to see what else is sold where you live.

What the Discontinuation Letter Means

PacificSource is required to notify you in writing that your plan will not be offered in 2027, and those letters arrive in the fall. The letter is official notice, not a bill and not a sales pitch. It confirms three things: your current coverage continues through December 31, 2026, your plan will not renew for 2027, and you need to select a new plan during Open Enrollment. Keep it. If you work with a broker or enrollment assister, they will want the details it contains.

Shopping in a +12% to +23% Rate Environment

Losing your carrier would be easier in a stable market. Instead, affected members are shopping in four states with steep finalized average increases for 2027 individual-market plans:

In a repricing year like this, two habits matter more than usual. For the national picture, see our guide to 2027 premium increases.

Your Timeline From Here

1. Now through October: Watch your mail. PacificSource is required to send a discontinuation letter explaining that your plan will not be offered in 2027. Keep it with your insurance records.
2. Late October: Window-shopping typically opens. You can preview 2027 plans and prices in your county on HealthCare.gov or your state exchange before enrollment starts.
3. November 1: Open Enrollment begins. You can enroll in any plan available in your area; the PacificSource exit does not limit your choices. See our Open Enrollment 2027 guide for the full rundown.
4. December 15: The deadline that matters. Enroll by this date and your new coverage starts January 1, 2027, with zero gap after your PacificSource plan ends December 31.
5. January 15: Open Enrollment closes. Enrollments after December 15 generally start February 1, which means a month-long gap after your PacificSource coverage ends.

The Bottom Line

PacificSource's exit is big news in the Northwest, but for any individual household it is a solvable problem with a hard deadline. Your coverage runs through December 31 no matter what. Between November 1 and December 15, you choose a replacement, actively, against your own list of doctors and medications, and you start January 1 with no gap. In a year when prices in these four states are rising 12% to 23%, the only losing move is assuming the system will sort it out for you.