Both Molina Healthcare and Cigna sell 2026 ACA marketplace plans in Florida. The right choice depends on your income, which doctors and hospitals you need in-network, and your prescription medications — not which carrier has the better logo.
2026 marketplace check, Florida: Molina Healthcare – sells plans. Cigna – sells plans. Source: CMS 2026 marketplace plan files.
Both file plans for 2026, but not in every county, so check your ZIP code before comparing.
Looking for Cigna Global? That is Cigna’s international health insurance for people living or working abroad. It isn’t sold on HealthCare.gov and isn’t an ACA marketplace plan; this page is about Cigna’s U.S. plans.
Before you pick Cigna: it is leaving the marketplace for 2027. On 30 April 2026 Cigna announced it is ending individual ACA coverage in all 11 states where it sells them, Florida included — about 369,000 people nationally.
A Cigna plan bought for 2026 runs through 31 December 2026 and does not renew. You would choose a different insurer during Open Enrollment for 2027 (1 November 2026 – 15 January 2027), and if you leave it to the marketplace, it can move you to a plan whose network is not the same.
Put your ZIP code in below and a licensed agent will tell you which insurers are staying in your county for 2027. Source: Cigna’s announcement of 30 April 2026.
| Molina Healthcare | Cigna | |
|---|---|---|
| 2026 marketplace plans in Florida | Yes | Yes |
| Parent company | Molina Healthcare Inc. | The Cigna Group |
| Plan type | Managed care focused on Medicaid/CHIP populations | National carrier with employer-market roots |
| Known for | often the most affordable premiums alongside Ambetter; strong in lower-income marketplace segments | strong behavioral health coverage, international travel coverage, wellness programs |
| Watch for | historically narrower networks; primarily serves markets where low-income coverage is the focus | marketplace ACA presence is selective; not available in all regions |
Molina Healthcare vs Cigna in Florida
In Florida, marketplace plans are sold through HealthCare.gov, and both carriers file plans there for 2026. Plan availability, networks, and premiums vary significantly by county and ZIP code across Florida — what is available in Miami, Orlando, Tampa, and Jacksonville is not necessarily available in smaller or rural parts of the state.
The most important thing to understand about comparing any two marketplace carriers: premium is not the same as cost. A plan with a lower monthly premium may have a higher deductible, narrower network, or worse formulary coverage for your medications — resulting in higher total annual spending than a plan that cost more per month.
About Molina Healthcare in Florida
Molina is a Medicaid-specialist insurer; their ACA marketplace plans leverage the same provider relationships built through their Medicaid contracts. In Florida, Molina Healthcare markets ACA plans primarily to individuals and families purchasing coverage through the marketplace. Molina's provider networks are typically narrow and focused on cost efficiency. Verify your providers are in-network before selecting.
Prescriptions: Molina formularies are generally comprehensive for generics; specialty and branded drugs should be verified on the specific plan formulary.
Best for: Molina Healthcare in Florida is generally best suited for subsidy-eligible buyers with lower incomes who prioritize low monthly premiums over broad network access.
About Cigna in Florida
Cigna is primarily known for employer group plans; their marketplace ACA presence is a complement to their larger commercial business. In Florida, Cigna competes in the ACA marketplace alongside Molina Healthcare and other carriers. Cigna's ACA marketplace footprint is more limited than their employer-market presence. Verify availability in your specific county before comparing. Cigna is also leaving the individual ACA market for 2027, so a 2026 plan here is a one-year plan.
Prescriptions: Cigna uses Express Scripts (subsidiary) for pharmacy benefits management. Check your specific drugs on their formulary.
Best for: Cigna in Florida is generally best suited for buyers who value robust behavioral health and mental health coverage, or who travel internationally.
How to Choose Between the Two
Both carriers compete in the ACA marketplace. Compare their after-subsidy premiums, network coverage for your specific doctors, and formulary coverage for your prescriptions before deciding.
If you qualify for ACA subsidies: Compare after-subsidy costs: the cheaper-looking plan before subsidies may not be cheapest after your premium tax credit is applied.
If you are paying full unsubsidized cost: At full unsubsidized cost, total annual cost (premium + expected out-of-pocket) determines value. Consider deductible, OOP max, and network breadth.
Buying for a business, not just yourself?
Both Molina Healthcare and Cigna are on the Florida individual exchange for 2026. Small-group products are filed separately from the individual plans compared above, so nothing here carries over to a group quote. Across 67 counties in Florida the exchange carries a median of 106 plans from 15 insurers, and every county here has at least one PPO.
Florida’s final 2027 rates rise about 10.4% on average, and Cigna is leaving. An owner in Florida has three routes — an individual plan like these, a small-group plan, or an ICHRA that funds individual coverage instead. Read how small-group coverage works in Florida, or put your ZIP code in below and add the headcount.
What to Check Before You Choose
Before selecting either plan, do these four checks using each carrier’s provider directory and formulary tool:
- Doctor check: Search for your primary care physician and any specialists you see regularly in each carrier’s Florida provider directory. Networks can be narrow, and a doctor who is in-network with one carrier may not be with the other.
- Hospital check: Confirm the hospital you would go to for a planned procedure or emergency is in-network. Hospital network participation differs from physician network participation.
- Drug formulary check: Look up every prescription you take in the formulary for each plan you are considering. Note the tier and the cost-sharing for each. Small formulary differences can result in hundreds of dollars in annual cost difference.
- After-subsidy premium: If you qualify for a premium tax credit, enter your income and household size at the federal marketplace (healthcare.gov) to see the after-subsidy premium for each plan. The after-subsidy number is what you actually pay.
This state has NOT expanded Medicaid. Buyers below the federal poverty level (~$15,960/year for one adult) may fall into the coverage gap with no affordable option unless they qualify for CHIP or other programs.
An independent broker completes all four checks at no cost to you. Call (713) 575-9904 for a free Molina Healthcare vs Cigna comparison for your Florida ZIP code.