Published August 21, 2026 · Daniel Griffin, Licensed Independent Advisor · NPN #22052447
Cigna stops selling individual marketplace plans in Florida on January 1, 2027. It is part of a complete national exit affecting about 369,000 people across 11 states.
Florida has the widest county pricing gap in the state — $282 to $949 a month for the same Silver tier — so which replacement makes sense depends heavily on where you live.
On a Cigna plan in Florida? See what actually replaces it.
Enter your ZIP and Daniel will pull what is available in your county — marketplace and private options side by side.
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In Florida, Your County Decides Almost Everything
Florida runs the widest county-to-county pricing spread of any state in the country: the same Silver tier ranges from about $282 to $949 a month depending on where you live. Advice that works in one Florida county can be actively wrong two counties away. Before you compare anything, price your own county specifically — a statewide average tells you almost nothing useful here.
Who Is Leaving Florida
Cigna is the confirmed exit — its Florida individual plans terminate January 1, 2027. Aetna already left the individual market for 2026, so Florida shoppers have lost two national carriers in consecutive plan years.
Why Cigna left, and what it means nationally →
Who Is Still Selling in Florida
2 of the 15 issuers that filed marketplace plans in Florida for 2026 are leaving for 2027. Here is the full 2026 field and what has actually been announced:
| Issuer | Plans filed, 2026 | Share | 2027 |
|---|---|---|---|
| Florida Blue HMO (a BlueCross BlueShield FL company) | 2,059 | 27% | No exit announced |
| Florida Blue (BlueCross BlueShield FL) | 1,717 | 23% | No exit announced |
| Ambetter Health | 1,274 | 17% | No exit announced |
| UnitedHealthcare | 544 | 7% | No exit announced |
| Oscar Health Maintenance Organization of Florida | 528 | 7% | No exit announced |
| Molina Healthcare | 384 | 5% | No exit announced |
| Cigna Healthcare | 98 | 1% | Leaving for 2027 |
| Cigna HealthCare of Florida, Inc. | 30 | 0% | Leaving for 2027 |
| 7 smaller issuers | 935 | 12% | No exit announced |
Between them those issuers account for about 2% of plans filed in Florida. The rest of the market stays, but “the market stays” and “your plan stays” are different statements — carriers do not inherit each other’s networks, so a replacement from a remaining issuer can still drop your doctors.
“No exit announced” is not a guarantee of participation. The definitive list of issuers approved to sell in Florida for 2027, and which counties each one serves, is not final until CMS publishes the plan-year landscape data in the autumn. County-level participation also changes among carriers that stay statewide. Plan counts are PY2026 CMS filed data. Check your own county at open enrollment, or ask and I will pull it for you.
Where 2027 Rates Stand
The national median proposed increase for 2027 is around 15%. Florida has not published a directly comparable statewide figure in the filings reviewed here, so treat the national number as background rather than as your renewal. Filed rates are preliminary and subject to state review.
See what is driving Florida’s 2027 premium increases →
What To Do in Florida
- Confirm you are affected. The carrier name is on your ID card, not the exchange’s name. If it says Cigna, you are moving for 2027.
- Watch for the non-renewal notice this autumn — it arrives in the same window everyone else is shopping, when advisors are hardest to reach.
- List your doctors and prescriptions first. Network and formulary are exactly where an auto-assigned replacement goes wrong — it matches on metal tier and price, nothing else.
- Enrol by December 15 for coverage starting January 1. Open Enrollment runs November 1 to January 15, but your Cigna plan ends January 1 regardless.
Two things this page does not repeat, because they are the same wherever you live: what happens if you let auto-enrolment decide, and what changes above the 400% subsidy cliff if you are self-employed and paying full freight.
One ZIP code and I will show you what is available in your county.
Then we get on the phone with the real numbers — marketplace and private, side by side.
Get Started Right Now →Free · No obligation · Licensed in 23 states
If You Are Above the Subsidy Line, This Is a Different Decision
Most advice about a carrier leaving assumes you have a premium tax credit softening the replacement. If your household is above 400% of the federal poverty level — about $62,600 for one person, $84,600 for a couple and $128,600 for a family of four in 2026 — you do not. You pay the full filed price of whatever you move to, and the enhanced rules that used to cap that at 8.5% of income expired on 31 December 2025.
That changes what you are choosing between. With a credit, moving to a pricier replacement costs you comparatively little, because the credit absorbs most of the difference. Without one, every dollar of the increase is yours.
So before you pick a replacement, do two things in this order:
- Confirm you are actually above the line. The test is modified adjusted gross income, not revenue, and a retirement or HSA contribution can move a household back under it. How the cliff arithmetic works →
- If you are clearly above it, price both markets. Marketplace plans charge everyone your age the same regardless of health. If you are healthy and getting no credit, that pooling is costing you something and returning nothing. Your options above the cliff →
If anyone in your household has a meaningful health history, stay on the marketplace — guaranteed issue is exactly what you are paying for, and it is worth it. Why premiums jumped this year →
Sources
- KFF, Preliminary 2027 rate filings — updated August 3, 2026
- ACASignups.net, 2027 rate change tracker — updated August 6, 2026
- Florida 2027 premium increases
Carrier exit and enrollee counts per Cigna’s announcement and subsequent reporting. Filed rates are preliminary and subject to state review. Confirm your own plan status with your carrier or your exchange account before acting.