Payer Instability and Coverage Changes Raise Access and Continuity Risk

ConnectiCare's reported market exit, Connecticut's approved 2027 rate increases of 11.3% for individual plans and 15.1% for small groups, and UnitedHealthcare/Oxford consolidation continue to raise affordability, competition, network-continuity, and concentration concerns. Florida rate proposals, insurer exits, returning Blue Cross participation, and subsidy-related enrollment losses reinforce volatility in carrier participation and access.