Cigna Healthcare • 2027 coverage update
Cigna Individual & Family Plan Changes for 2027
Cigna Healthcare will no longer offer individual and family medical plans beginning January 1, 2027. If you have a Cigna individual medical plan, now is the time to compare replacement coverage for 2027.
2027 medical plans endingIndividual plans on and off the Marketplace
Keep 2026 coverage activeFollow your policy and official notices
Compare replacement plansReview doctors, prescriptions, and costs
Understanding the change
What Cigna members need to know
01
Individual medical plans are ending
The change applies to Cigna individual and family medical plans purchased through the ACA Marketplace or directly outside the Marketplace, effective January 1, 2027.
02
Do not cancel coverage early
The 2027 change does not end your current coverage immediately. Continue paying premiums and follow Cigna’s official communications about your 2026 policy.
03
Dental plans remain available
Cigna states that its dental plans will continue to be available for 2027 and beyond. This announcement concerns individual and family medical coverage.
Read Cigna’s official individual and family plan update for current information.
Choosing replacement coverage
Compare more than the monthly premium
Your doctors and hospitals
Confirm that your providers participate in the exact replacement plan. A different carrier’s network may not include the same doctors.
Prescription coverage
Check medications, drug tiers, preferred pharmacies, and prior authorization requirements.
Total costs
Compare premiums, deductibles, copayments, coinsurance, and the annual out-of-pocket limit.
Marketplace savings
Update your application with your expected household information and income to see whether you qualify for financial assistance.
Your next steps
Prepare for a smooth transition
- Keep notices from Cigna and the Marketplace.
- List your doctors, hospitals, prescriptions, and preferred pharmacies.
- Compare available 2027 plans in your area during enrollment.
- Confirm your replacement plan’s effective date and pay any required first premium.
Enrollment deadlines and available plans depend on your location. Review your official notices and confirm your next coverage start date to help avoid a gap.
Frequently asked questions
Questions about Cigna’s 2027 changes
Will Cigna offer Marketplace medical plans for 2027?
No. Cigna states that individual and family medical plans will no longer be offered as of January 1, 2027, both on and off the Marketplace.
Should I cancel my 2026 plan now?
Do not cancel solely because of the 2027 announcement. Keep paying premiums and follow the instructions for your current policy while arranging replacement coverage.
Can I keep my doctors?
That depends on the replacement plan. Verify each doctor and hospital with the insurer and provider before enrolling.
Does this include Cigna dental plans?
No. Cigna says dental plans will continue to be available for 2027 and beyond.
Can Precise Insurance help me compare plans?
Yes. A licensed agent can help you review available options, provider networks, prescriptions, and costs.
See our Marketplace FAQ and Texas enrollment guide.
Need help finding replacement coverage?
A licensed Precise Insurance agent can help you compare 2027 options based on your location, doctors, prescriptions, and budget.
Contact Precise Insurance