Written by Steven Shapiro
President, Marketplace at HealthCare.com
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Cigna Health and Life Insurance Company Review
Cigna remains a globally recognized insurer with a wide range of health plan offerings, but in 2026, its U.S. footprint continues to narrow.
Coverage AreasCigna ACA plans end after 2026 in all 11 states where it sold them: AZ, CO, FL, GA, IL, IN, MS, NC, TN, TX and VA.
Plan TypesCigna now focuses on employer and international plans. It sold its Medicare business to HCSC in 2025 and is leaving the ACA Marketplace after 2026.
Key Takeaways
- Leaving the ACA Marketplace: Cigna ends individual and family ACA plans after 2026 in all 11 states where it sold them.
- Out of Medicare: Cigna sold its Medicare Advantage, Medicare Supplement and Part D business to Health Care Service Corporation in March 2025.
- Still Strong for Employers & Global Coverage: Employer plans nationwide and international coverage in 200+ countries through Cigna Global.
Cigna Health Insurance Review 2026
Cigna is one of the largest U.S. health insurers, best known for employer health plans and international coverage through Cigna Global. Its role for individual shoppers is shrinking fast. Cigna sold its Medicare business to Health Care Service Corporation (HCSC) in March 2025, and it is leaving the ACA Marketplace after 2026. For 2026, Cigna Marketplace plans are sold in 11 states.
Pros and Cons
Pros
- Large national network for employer plans.
- Strong international coverage through Cigna Global.
- $0 virtual care options on many plans.
- Standalone dental plans available in most states.
Cons
- Leaving the ACA Marketplace after 2026.
- No longer sells Medicare Advantage, Part D or Medigap plans.
- Above-average complaint rates in some areas.
Coverage Area (2026)
United States:
Cigna ACA Marketplace plans are available in 11 states for 2026, including Arizona, Georgia, Illinois, North Carolina and Texas. They will not be offered anywhere for 2027. Employer-sponsored plans remain available nationally.
International:
Cigna Global provides international health insurance in 200+ countries for expats, retirees, and mobile workers. Visit Cigna Global Plans
Provider Network:
National network for employer plans. Marketplace plan networks vary by market. Global and urgent care services are supported abroad through Cigna Global.
Plan Types Offered (2026)
Under-65 (Individual & Family)
- ACA Marketplace Plans
Bronze, Silver, and Gold plans with $0 virtual care options in select markets. Available in 11 states. ACA Marketplace Plans - Short-Term Medical (STM)
Not offered in 2026. - Employer-Sponsored Plans
Nationally available HMO, PPO, and EPO formats; some large groups are exiting Cigna due to rising costs and benefit cuts. - Student Health Plans
Not publicly available. - Medicaid
Not part of Cigna’s current offerings.
Medicare (65+)
Cigna no longer sells Medicare plans. In March 2025, Cigna sold its Medicare Advantage, Part D and Medicare Supplement business to HCSC. Those plans are now sold under the HealthSpring name. If you had a Cigna Medicare plan, check your 2027 Annual Notice of Change and compare plans during Medicare open enrollment, October 15 to December 7, 2026.
Recent Changes in Cost and Options (2026)
Leaving the ACA Marketplace
Cigna announced in April 2026 that it will exit the individual and family Marketplace for 2027. About 369,000 members will need to choose a new plan.
Medicare Business Sold
The sale of Cigna’s Medicare business to HCSC closed in March 2025. HCSC finished moving those plans to the HealthSpring brand in 2026.
Subsidy Changes
The enhanced ACA premium tax credits expired at the end of 2025, so many Marketplace shoppers are paying more in 2026. That is true no matter which insurer you choose.
Employer Coverage
Some large employers are leaving Cigna due to cost and design changes.
Consumer Experience Snapshot
Complaint Index
Cigna’s NAIC and BBB scores indicate above-average complaints, especially on billing errors, denied claims, and difficult customer support experiences.
A team of licensed insurance agents are here to help you compare plans
Methodology
Our Health Insurance Rating Methodology scores insurers across five main categories, each rated on a scale of 1 to 10. The overall score is the average of: Coverage, Breadth and Accessibility, Plan Variety and Customization, Affordability and Value, Innovation and Care Quality, and Consumer Experience and Transparency. Categories assess provider reach, plan diversity, cost structure, care delivery, and member service experiences based on public data, filings, and expert analysis.
Bottom Line
Cigna is still a strong choice for employer health benefits and international coverage. For individual shoppers, it is no longer a long-term option: its Marketplace plans end after 2026, and its former Medicare plans now belong to HealthSpring. If you have a Cigna Marketplace plan, compare new plans during open enrollment so you are covered on January 1, 2027.
Best for
People with Cigna through an employer, and globally mobile people who need international coverage.
Not ideal for
Individual and family shoppers for 2027, and anyone looking for a Medicare plan.
Disclaimer
The views and opinions expressed are those of the authors and do not necessarily reflect the official policy or position of HealthCareInsider.com or HealthCare, Inc.
We want to help you make educated healthcare decisions. While this post may have links to lead generation forms, this won’t influence our writing. We adhere to strict editorial standards to provide the most accurate and unbiased information.
Cigna Health Care Exchange Plans Now Available in 19 Markets Across 10 States. Cigna Newsroom | September 18, 2019.
State Policy Disclosures, Exclusions and Limitations. Cigna. Accessed January 20, 2021.
Affordable Health Insurance Plans. Cigna. Accessed January 20, 2021.
Cigna Diabetes Insurance for Individuals and Families. Cigna. Accessed January 20, 2021.
When to File Your Claims. Cigna. Accessed January 25, 2021.
Financial Strength and Credit Ratings. Cigna. Accessed January 25, 2021.
CONSUMER INSURANCE SEARCH RESULTS. CIS Refined Results. Accessed January 25, 2021.
Cigna SWOT Analysis: Top Cigna Competitors, STP & USP: Detailed SWOT Analysis of Brands. MBA Skool-Study.Learn.Share. MBA Skool, April 12, 2020.
Company Profile. Cigna Company Profile | More than a Health Insurance Company. Accessed January 20, 2021.
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