Cigna Is Leaving the Florida Marketplace for 2027: What Members Get Mapped To, and What to Do by December 15

If you have a Cigna Marketplace plan in Florida, a letter is coming this fall that says your plan is being discontinued and that you will be enrolled in something else unless you act. This is what that letter means, what the Marketplace will do on your behalf, and why we would rather you did not let it.

What Cigna announced

In Florida, Cigna sold 2026 Marketplace plans through two entities, Cigna Health & Life and a Cigna HMO, in 11 counties. Both are leaving. Your 2026 coverage does not change: the plan you have runs through December 31, 2026, claims are paid, and your deductible keeps counting. The change is that there is no 2027 Cigna plan to renew into.

What happens if you do nothing

HealthCare.gov, which Florida uses, does not simply drop you. When an insurer leaves, the Marketplace re-enrolls you automatically in a plan from a different carrier, and its rule for choosing one is mechanical: the lowest-cost plan available in your county with the same metal level and the same product type, an HMO for an HMO, a PPO for a PPO, with the most similar network it can find. You will get a notice naming that plan.

That algorithm is designed to keep you insured. It is not designed to keep your cardiologist. In Florida, where many Marketplace plans are county-level HMOs, "similar network" can mean a different hospital system entirely. It also does not know whether your income changed, so the premium tax credit on the notice is last year's estimate.

Four ways the mapped plan can be the wrong plan

• Network. The mapped plan is chosen for metal level and product type first. Whether your doctors and hospital are in it is a question you have to answer yourself, by checking the new carrier's directory before December 15.
• Drug list. Every carrier has its own formulary. A prescription that was a preferred generic on Cigna can be a higher tier, or require prior authorization, on the mapped plan.
• Price. "Lowest cost" is measured against other plans at that metal level, not against what you paid Cigna. Florida carriers proposed 2027 increases from about 3.9% to 39.1%, averaging roughly 15% before the state finishes its review. Above the credit line you pay every point of it.
• The credit. The notice uses the income you reported last year. If 2027 will look different, update the application first or the advance credit will be wrong in both directions.

The deadlines that matter

What to do, in order

1. When the discontinuation letter arrives: note the plan it says you will be mapped to. Do not accept or reject it yet.
2. Pin down 2027 income with your tax preparer. The credit line for 2027 coverage is about $63,840 for one person and $132,000 for a family of four. Which side you land on decides everything below.
3. November 1 to 15: update the Marketplace application, then pull the full county menu. Compare the mapped plan against every other plan at the same metal level, on premium, deductible, out-of-pocket maximum, and the network check for your doctors.
4. If you are healthy and above the line: get a medically underwritten quote the same week. It is priced on your health rather than the whole pool, can be applied for any month, and for a healthy household is often less than full Marketplace price. It can also decline or exclude conditions and is not ACA-compliant, so it is compared next to the county Marketplace number, not instead of it.
5. By December 15: enroll in the plan you chose, confirm the January 1 effective date on the confirmation screen, and pay the first premium when the new carrier bills it. A plan is not active until it is paid.

Cigna is not the only change in Florida

Sunshine State Health Plan has filed a discontinuation notice and its members are being transitioned to Ambetter, another Centene company, unless they choose otherwise. The filing review at ACA Signups and the KFF participation tracker, as reported by the Florida Phoenix, also list Molina Healthcare of Florida and Community Care Network, the 22 Health plan in Broward County, as leaving the Florida Marketplace for 2027; neither had a 2027 rate filing posted. Everyone else continues, including Florida Blue, Ambetter, Oscar, UnitedHealthcare, AmeriHealth Caritas, AvMed, Capital Health Plan, Florida Health Care Plan, Health First, and Simply Healthcare. Our 2027 Florida carrier guide has the county-level detail.

If you want one licensed Florida broker to read the Cigna letter with you, check the mapped plan's network against your doctors, and run the underwritten quote at the same time, start on our Florida self-employed page. One call, real numbers, never sold.

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