Cigna Is Leaving the ACA Marketplace in Florida: What Individuals and Families Need to Do Before 2027
This content is educational and is not individualized advice. Plan availability, benefits, and costs vary by location and change annually. Always verify current details before making a decision.
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If you have a Cigna individual or family plan through the Marketplace (HealthCare.gov), your coverage is ending. Cigna announced in 2026 that it is exiting the ACA individual market, and its Marketplace plans will not renew for 2027. Florida is one of the 11 states affected.
That means you'll need to choose a new plan to stay covered on January 1, 2027.
What does this mean for me?
- Your Cigna plan stays in effect through December 31, 2026. Keep using it as normal for the rest of this year.
- It will not renew. You must pick a new plan from another carrier for 2027.
- Your doctors and prescriptions may not carry over. Every carrier has a different network and drug list, so a new plan needs to be checked carefully.
- This only affects individual and family Marketplace plans. If you get Cigna through your employer, this change does not apply to you.
Key dates
- November 1, 2026: Open Enrollment for 2027 begins
- December 15, 2026: Open Enrollment ends in Florida — choose a new plan by this date for coverage starting January 1
- January 1, 2027: Your new plan begins
Because your plan is being discontinued, you may also qualify for a Special Enrollment Period — but don't count on that as a backup plan. The safest move is to pick your new coverage during Open Enrollment so there's no gap.
Don't just let the Marketplace pick for you
If you do nothing, the Marketplace may automatically place you in a different plan. That might sound convenient, but the plan you land in may not include your doctors, your hospital, or your medications — and it may not be the best price for your situation.
This is a good time to take a fresh look at everything:
- Do your doctors take the new plan?
- Are your prescriptions covered?
- Is your income estimate up to date so your tax credit is accurate?
- Would a different metal level (Bronze, Silver, Gold) save you money?
Making the switch? Call me.
I'm George Valentine, an independent health insurance broker in Lakeland, and helping families through exactly this kind of change is what I do. I'll compare the carriers available in your county, check your doctors and prescriptions, make sure your subsidy is estimated correctly, and get you enrolled before the deadline.
My help is free. You'll pay the same premium you'd pay enrolling on your own.
Call or text 863-308-6814 (Mon–Fri, 8am–6pm) or get a free quote. Let's get you set for 2027 before the rush.
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Book Your Free CallFrequently Asked Questions
Yes. Cigna is exiting the individual and family ACA Marketplace at the end of 2026, and Florida is one of the affected states. Plans will not renew for 2027.
Yes. Your plan remains active through December 31, 2026.
Open Enrollment runs November 1 through December 15, 2026, in Florida. Choose a new plan by December 15 for coverage starting January 1, 2027.
No. This change only applies to individual and family plans sold through the ACA Marketplace.
If you qualify for a premium tax credit, it applies to whichever Marketplace plan you choose. A broker can help make sure your income estimate and subsidy are accurate.
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