Suppose you live in Fort Myers, Naples, or Port Charlotte and have an Aetna health insurance plan. In that case, you may have already heard the news: Aetna is leaving Florida’s ACA Marketplace after December 31, 2025, and reducing certain Medicare Advantage plans. Aetna’s decision to pull out of the ACA Marketplace is part of a broader trend affecting the country, with major insurers reevaluating their participation in health insurance exchanges nationwide.
For thousands of Southwest Florida residents, this means your coverage will soon come to an end, as Aetna, owned by CVS Health, is pulling out of the ACA Marketplace in Florida. But you don’t have to face this transition alone. At SWFL Insurance, we’ve been helping local families and seniors navigate health insurance changes for over 40 years—and we’re here to guide you every step of the way.
CVS Health, Aetna’s parent company, made the strategic decision to withdraw from the exchange, impacting coverage options for many consumers.
What Aetna’s Exit Means for SWFL Residents
- ACA Members (Under 65): Your Aetna plan will end December 31, 2025. You’ll need to enroll in a new Marketplace plan during Open Enrollment (November 1, 2025 – January 15, 2026). You will continue to have your current coverage for the rest of 2025 until the new plan year begins.
- Medicare Advantage Members (65+): Some Aetna Medicare Advantage plans will no longer be offered in 2025. You’ll receive a letter notifying you if your plan is ending, and you must act during Medicare AEP (October 15 – December 7, 2025).
The beginning of the new coverage period will be January 1, 2026.
Without taking action, you risk losing your coverage starting January 1, 2026. After receiving your letter, you will need to review your options and enroll in a new plan before the deadline.
Why Local Help Matters
Switching health insurance isn’t just about picking a new carrier—it’s about making sure your doctors, prescriptions, and hospitals are still covered. Online enrollment portals and 1-800 call centers don’t always give you the personalized answers you need.
That is where SWFL Insurance comes in. We have offices in Fort Myers, Naples and Port Charlotte so we can provide in-person support based on our local knowledge. Because of our dedicated service, we are able to provide South Florida residents support and access to services that are his/her needs.
Your Options After Aetna
We help you compare the availability of alternative health insurance plans:
- Florida Blue: The most stable alternative, with large doctor networks and ACA & Medicare plans. They offer a variety of plan options for both individual coverage and family plans.
The costs and availability of plans may vary depending on your location and needs.
The ACA Marketplace program is designed to offer a range of plan options for individuals and families.
SWFL Insurance can help you review the different offers from insurers to find the best fit.
As an independent agency, we’re not tied to one company. We shop around for you.
Contacting Aetna
If you have questions about your current Aetna health insurance plan or would like assistance with your health coverage, it is easy and convenient to contact Aetna. If you are a member, you can call the Aetna member services number at 1-877-858-6507, Monday through Friday, from 7 AM to 7 PM Eastern Standard Time. If you are hard of hearing, Aetna has a separate TDD number at 800-628-3323. The Aetna member services representatives are able to assist if you need help understanding your plan, have questions about your coverage, or want to discuss your options as your current plan comes to an end. Member services will be able to speak with you when you call the member services number and provide assistance directly to you to answer your questions and/or provide information and options. Aetna wants all its members to reach out with questions or concerns about their health insurance, plan benefits, or services. So, please do not hesitate to call Aetna directly by phone for the support you may want or need during this transition.
Open Enrollment Season
The Open Enrollment period is your opportunity to review your health insurance choices and select a new plan for 2026. Starting November 1, 2025, you can compare health insurance plans from different companies and select the health insurance plan that best fits your needs and budget. This is the time to make sure you have the right health insurance plan in place before your current Aetna coverage ends.
You can use HealthCare.gov or your state marketplace during Open Enrollment to view your available plans, compare plans and benefits, and see what other options are available to further reduce your overall costs for health coverage. Licensed health insurance agents and brokers are available to help you explore your options, follow up on your questions, and guide you through the enrollment process. If you would like help or have questions you can call the toll-free number located on the back of your ID card, and you can also use chat services to get help.
How SWFL Insurance Helps
- Free Enrollment Help: As a licensed broker, SWFL Insurance assists you at no cost—carriers pay us, not you.
- Doctor & Prescription Check: We verify your providers and medications before you switch, and guide you through choosing or changing your primary care provider within the network.
- Steps to Change Your Plan or Provider: We outline the steps for changing your health plan or provider, including updating personal information, selecting new coverage, or switching doctors during open enrollment or after a qualifying life event.
- Employer-Based Coverage: If you have health insurance through your employer and need to make a change, we can help you review your options and complete the process.
- Local Offices: Stop by in Fort Myers, Naples, or Port Charlotte.
- Trusted Advisors: 40+ years serving Southwest Florida families and seniors.
Frequently Asked Questions
Have a question? Please send us a message or call our office.
Do I have to drive to Tampa or Miami to get help with my Aetna plan ending?
No. SWFL Insurance has offices right here in Fort Myers, Naples, and Port Charlotte.
Will Florida Blue be available in my county?
Yes. Florida Blue is the biggest health insurer in the state of Florida and offers ACA and Medicare plans in every Florida county.
Can you help me keep my doctor?
Yes. We’ll check every doctor and prescription against multiple plans to ensure your care continues uninterrupted.
Does it cost money to work with you?
No. Our services are free. Insurance companies pay us—your premium stays the same whether you use an agent or not.
Can you help both Medicare and ACA members?
Absolutely. We specialize in both and can guide you through either enrollment process. You can also manage your insurance account online for updates and information. If you have a question, feel free to send us a message or call for assistance.
Why Choose SWFL Insurance
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- We’re local. You’ll work with agents who live and work in your community.
- We’re independent. We compare multiple carriers—not just one.
- We’re experienced. For over four decades, families and seniors in Southwest Florida have trusted us with their coverage.
- We’re personal. We’ll sit down with you, answer questions, and handle your enrollment from start to finish.
- We help you stay informed. Stay connected with SWFL Insurance for ongoing support, updates, and to ensure you always have access to the best coverage options.
Let Us Help
If you live in Naples, Fort Myers, or Port Charlotte and your Aetna plan is ending, don’t wait until the last minute. If you or your family may qualify for Medicaid, SWFL Insurance can help you explore that option as well. Let SWFL Insurance help you make the switch smoothly and with confidence.
