The below content has been transcribed from “AETNA se Retira del Obamacare: Qué Hacer Para No Perder su Seguro 2026” and translated to English.
TRANSCRIPTION
Carlos:
Greetings from the Freedom Group. We are a group of three companies that assist with all matters related to accounting, taxes, insurance, financial planning, real estate, and much, much more. It’s November 2025, and Obamacare open enrollment has begun.
You should start choosing your health insurance plan now so it will begin in January 2026. There are many changes this year, including the fact that Aetna will no longer be offering its health insurance through Obamacare. If you are an Aetna customer, it’s very important that you watch this video.
To discuss this topic, I’m going to bring in my coworker,YennireeHow are you, Yenniree?
Yenniree:
Excellent, Carlos, thank God. How are you?
Carlos:
Everything is fine, thank God. Yenniree is our president of Freedom Insurance, a true authority on health insurance and financial planning.
We know there are many changes to Obamacare this year, including Aetna leaving the market. Why did this happen? What’s going on?
Yenniree:
That’s right, Carlos. One of the largest companies participating in the insurance market, theMarketplaceIt is leaving the market and all people who had Aetna insurance will only have coverage until December 31, 2025.
What does this mean? It means they won’t be renewing their insurance for next year. This isn’t happening in one specific sector; it’s happening nationwide. Aetna is leaving the Obamacare health insurance marketplace.
Carlos:
Is this nationwide?
Yenniree:
Correct, correct.
Carlos:
They’re no longer participating in Obamacare. Wow, I imagine many customers are wondering why Aetna decided to withdraw from the market.
Yenniree:
There are several reasons. We can identify at least three key ones: the rising cost of medical services, the reduction of the tax credit which impacts prices, and a possible marketing strategy by Aetna.
Aetna isn’t closing its doors. Not at all. It’s simply exiting theMarketplacebut it remains strong in Medicare and private insurance.
Carlos:
Okay, so what should all these people who currently own Aetna do?
Yenniree:
All of these people are receiving notifications from the health insurance marketplace and Aetna, both by mail and email.
The problem is that many times they don’t check this information or they confuse it with other documents.
What should they do? Seek professional help immediately, because from January 1st they will be completely without coverage.
They should seek a professional to help them evaluate their current plan and find another company with a similar—or better—plan that meets their needs.
For example, if you have a preferred doctor or pharmacy, you should choose a plan that accepts that same doctor or pharmacy.networkdoctor or pharmacist.
Carlos:
Exactly. And while companies should communicate these changes, we know that many people ignore the emails or think they’re scams. What happens if someone does nothing?
Yenniree:
The insurance expires on December 31st. Two things can happen:
- The insurance marketplace assigns you a new plan at random with any company.
- The application is cancelled and the person will be without coverage from January 1st.
That’s why we’re warning that there won’t be automatic renewals this year, and it’s very important to act before the end of the year.
Carlos:
Wow. This year more than ever, people should use the services of a professional like your team. Since Freedom Insurance offers free advice, why not take advantage of it?
Also, you can help them keep their same doctor or pharmacy, right?
Yenniree:
That’s right. That’s the most important thing. We work with different companies in several states, because Aetna isn’t just leaving Florida, it’s leaving nationwide.
We know thenetworksTherefore, with Aetna, we can look for equivalent or better plans that accept the same doctors and pharmacies.
We might even find a more convenient option than the current one.
Carlos:
Sure. But let’s talk about the cost. Why are prices going up this year, Yenniree?
Yenniree:
Good question. Aetna wasn’t exactly a budget-friendly plan, but the general increase in medical costs, coupled with the reduction in the government’s tax credit, has led all companies to raise their prices.
Medical services are being used more, and that increases costs. But the good news is that there are many options: more than 60 plans per month.zip code.
We filter the best options according to each client’s needs, their budget, their doctor, and their pharmacy.
Carlos:
Perfect. So the best recommendation is to schedule a free consultation with your team, right?
Yenniree:
Yes, that’s correct. Consultations can be in person, by phone, via Zoom, or via WhatsApp.
No matter the distance, we are licensed in several states.
In 10 minutes we can review your case, identify your needs and offer you the best option.
Those 10 minutes can save you a lot of headaches and guarantee you adequate medical coverage by 2026.
Carlos:
That’s right. So now you know: request your free consultation with the Yenniree team at Freedom Insurance at 407-344-1228.
It can be by phone, in person, via Zoom, or WhatsApp. There are no excuses. In 10 or 15 minutes, you can save a lot of money and avoid being left without insurance.
Thank you so much, Yenniree, for this important information, especially for Aetna customers who need to make a mandatory change.
Thanks for watching this video. If you found it helpful, please give it a like.likeShare it and remember that in Freedom Insurance We help them with their health insurance, financial planning, accounting, taxes, and real estate.
Have a wonderful day and God bless you!
Summary
In this video, Carlos and Yenniree, President of Freedom Insurance, explain that the company Aetna will stop offering health insurance through Obamacare starting January 1, 2026. This means all active policies will expire on December 31, 2025, and customers must change their plans before that date to avoid losing coverage.
Yenniree clarifies that Aetna’s exit from the market is nationwide, mainly due to the increase in medical costs, the reduction of tax credits, and a strategic shift toward Medicare and private insurance plans.
Current customers are advised to check their notifications and consult with a professional to choose an equivalent plan that maintains their same doctor and pharmacy network. Freedom Insurance offers free consultations, both in-person and virtual, to help clients compare more than 60 available options per ZIP code and find the best plan based on their individual needs.
To understand more about how the Health Insurance Marketplace works, visit HealthCare.gov. For additional guidance on Aetna’s health coverage options, see their official site at Aetna.com. Final message: Don’t wait until the last minute. With just a 10-minute call to Freedom Insurance at 407-344-1228, you can avoid losing your health insurance and secure your coverage for 2026.