Cigna to Exit the Marketplace in 2027: What It Means for Consumers

Yesterday, Cigna announced it was leaving the health insurance marketplace in 2027. This change will affect thousands of people who rely on Cigna for their health coverage through the Affordable Care Act (ACA) exchanges and many of our clients. Understanding what this

exit means and how to prepare can help consumers make informed decisions about their health insurance options.

Why Is Cigna Leaving the Marketplace?

If you recall, Cigna sold their medicare division in 2025. Through several articles linked here (Reuters, Forbes), they mention rising costs as their reason for exiting these two divisions. They will continue to offer plans in other areas of their business (e.g. employer plans).

Impact on Consumers Covered by Cigna

There is no change to any current consumer plans for 2026 however consumers currently insured through Cigna’s marketplace plans will need to find alternative coverage for 2027. This change could lead to:

• Limited plan choices: Depending on the state, fewer insurers may participate, reducing options.

• Potential premium increases: Less competition can lead to higher prices for consumers.

• Disruption in care: Consumers may need to switch doctors or networks if their new plan differs significantly.

  
  

It is important for affected consumers to start exploring other insurance options early - and use reputable brokers to understand all of their options.

Final Thoughts

Cigna leaving the marketplace in 2027 signals a significant shift for many consumers. While it may reduce options and create challenges, being proactive can help individuals and families find suitable coverage. Start by reviewing your current plan, exploring alternatives, and seeking expert advice.