Florida · Insurer update
Cigna Is Leaving Florida's Marketplace: What Members Should Do
Cigna is leaving Florida's individual market after 2026. About 97,000 people were on its Florida individual book in a March 2025 filing snapshot and need a new plan for 2027.
Compare 2027 plans for my ZIP codeFree. See your price after tax credits.
What to do for 2027
Open enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027 on HealthCare.gov.
Pick a new plan by December 15 so coverage starts January 1. Later enrollments start February 1 and leave a January gap.
Cigna Connect networks will not carry over. Confirm your doctors and prescriptions on each new plan.
Most Cigna plans capped preferred insulin at $25; myDiabetesCare Bronze Mid-South had $0 preferred insulin. Compare drug costs on replacement plans.
Your deductible and out-of-pocket totals start over with a new insurer on January 1. If you're in ongoing treatment, such as pregnancy, cancer care or a scheduled surgery, check your doctors' networks before you switch. Cigna dental plans aren't part of the exit. If you have one, confirm that coverage separately.
Compare insurers you can switch to
In 2026 Cigna sold 26 Connect EPO plans in 11 Florida counties, with $0 MDLive virtual urgent care and no specialist referrals.
| Insurer | Counties (2026) | CMS rating (2026) | 2027 change |
|---|---|---|---|
| Florida Blue HMO | Counties (2026)64 of 67 | CMS rating (2026)3 of 5 | 2027 change+9.75% proposed |
| AvMed | Counties (2026)22 of 67 | CMS rating (2026)3 of 5 | 2027 change+9.79% proposed |
| Ambetter | Counties (2026)63 of 67 | CMS rating (2026)3 of 5 | 2027 change+3.87% proposed |
| Oscar | Counties (2026)32 of 67 | CMS rating (2026)Not yet rated | 2027 change+10.37% proposed |
| Florida Blue | Counties (2026)67 of 67 | CMS rating (2026)3 of 5 | 2027 change+26.04% proposed |
| Health First | Counties (2026)5 of 67 | CMS rating (2026)2 of 5 | 2027 change+13.55% proposed |
| Florida Health Care Plans | Counties (2026)5 of 67 | CMS rating (2026)4 of 5 | 2027 change+15.85% proposed |
| UnitedHealthcare | Counties (2026)32 of 67 | CMS rating (2026)2 of 5 | 2027 change+30.17% proposed |
| Wellpoint | Counties (2026)24 of 67 | CMS rating (2026)Not yet rated | 2027 change+17.33% proposed |
| AmeriHealth Caritas Next | Counties (2026)7 of 67 | CMS rating (2026)Not yet rated | 2027 change+39.14% proposed |
| Capital Health Plan | Counties (2026)9 of 67 | CMS rating (2026)5 of 5 | 2027 change+10.98% proposed |
Find your 2027 plan
See plans for your county, check your doctors and prescriptions, and see your price after tax credits.
Compare 2027 plans for my ZIP codeAll 2026 Cigna plans in Florida
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties |
|---|---|---|---|---|---|---|---|---|---|---|
| Connect Bronze Mid-South CMS Standard | MetalBronze | TypeEPO | Premium (age 40)$520 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties5 |
| Connect Bronze Mid-South 5500 Indiv Med Deductible | MetalBronze | TypeEPO | Premium (age 40)$528 | Deductible$5,500 | OOP max$9,500 | Primary care$30 | Specialist40% after deductible | Generic Rx$3 | HSANo | Counties5 |
| Connect myDiabetesCare Bronze Mid-South | MetalBronze | TypeEPO | Premium (age 40)$529 | Deductible$6,500 | OOP max$9,200 | Primary care$45 | Specialist$90 | Generic Rx$3 | HSANo | Counties5 |
| Connect Bronze Orlando CMS Standard | MetalBronze | TypeEPO | Premium (age 40)$567 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties4 |
| Connect Bronze Orlando 6000 Indiv Med Deductible | MetalBronze | TypeEPO | Premium (age 40)$568 | Deductible$6,000 | OOP max$10,150 | Primary care$25 | Specialist$85 | Generic Rx$3 | HSANo | Counties4 |
| Connect Bronze Orlando 3000 Indiv Med Deductible | MetalBronze | TypeEPO | Premium (age 40)$577 | Deductible$3,000 | OOP max$9,750 | Primary care$40 | Specialist$80 | Generic Rx$3 | HSANo | Counties4 |
| Connect Bronze Mid-South 0 Indiv Med Deductible | MetalBronze | TypeEPO | Premium (age 40)$581 | Deductible$0 | OOP max$10,600 | Primary care$55 | Specialist$120 | Generic Rx$3 | HSANo | Counties5 |
| Connect Bronze South FL CMS Standard | MetalBronze | TypeEPO | Premium (age 40)$635 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties2 |
| Connect Bronze South FL 7000 Indiv Med Deductible | MetalBronze | TypeEPO | Premium (age 40)$636 | Deductible$7,000 | OOP max$9,800 | Primary care$30 | Specialist$90 | Generic Rx$3 | HSANo | Counties2 |
| Connect Bronze South FL 3800 Indiv Med Deductible | MetalBronze | TypeEPO | Premium (age 40)$643 | Deductible$3,800 | OOP max$9,750 | Primary care$35 | Specialist$80 | Generic Rx$3 | HSANo | Counties2 |
| Connect Silver Mid-South 4500 Indiv Med Deductible | MetalSilver | TypeEPO | Premium (age 40)$778 | Deductible$4,500 | OOP max$9,350 | Primary care$15 | Specialist$65 | Generic Rx$3 | HSANo | Counties5 |
| Connect Silver Mid-South 3800 Indiv Med Deductible | MetalSilver | TypeEPO | Premium (age 40)$779 | Deductible$3,800 | OOP max$9,500 | Primary care$30 | Specialist$55 | Generic Rx$0 | HSANo | Counties5 |
| Connect Silver Mid-South CMS Standard | MetalSilver | TypeEPO | Premium (age 40)$785 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties5 |
| Connect Silver Orlando CMS Standard | MetalSilver | TypeEPO | Premium (age 40)$856 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties4 |
| Connect Silver Orlando 3500 Indiv Med Deductible | MetalSilver | TypeEPO | Premium (age 40)$856 | Deductible$3,500 | OOP max$9,350 | Primary care$30 | Specialist$80 | Generic Rx$3 | HSANo | Counties4 |
| Connect Silver Orlando 5000 Indiv Med Deductible | MetalSilver | TypeEPO | Premium (age 40)$859 | Deductible$5,000 | OOP max$8,950 | Primary care$20 | Specialist$65 | Generic Rx$3 | HSANo | Counties4 |
| Connect Silver South FL 2850 Indiv Med Deductible | MetalSilver | TypeEPO | Premium (age 40)$952 | Deductible$2,850 | OOP max$9,450 | Primary care$20 | Specialist$80 | Generic Rx$0 | HSANo | Counties2 |
| Connect Silver South FL CMS Standard | MetalSilver | TypeEPO | Premium (age 40)$958 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties2 |
| Connect Silver South FL 4500 Indiv Med Deductible | MetalSilver | TypeEPO | Premium (age 40)$970 | Deductible$4,500 | OOP max$8,850 | Primary care$20 | Specialist$70 | Generic Rx$3 | HSANo | Counties2 |
| Connect Gold Mid-South 2250 Indiv Med Deductible | MetalGold | TypeEPO | Premium (age 40)$674 | Deductible$2,250 | OOP max$9,450 | Primary care$0 | Specialist$50 | Generic Rx$0 | HSANo | Counties5 |
| Connect Gold Mid-South CMS Standard | MetalGold | TypeEPO | Premium (age 40)$689 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties5 |
| Connect Gold Mid-South 850 Indiv Med Deductible | MetalGold | TypeEPO | Premium (age 40)$720 | Deductible$850 | OOP max$8,550 | Primary care$25 | Specialist$70 | Generic Rx$3 | HSANo | Counties5 |
| Connect Gold Orlando 1500 Indiv Med Deductible | MetalGold | TypeEPO | Premium (age 40)$745 | Deductible$1,500 | OOP max$9,450 | Primary care$5 | Specialist$45 | Generic Rx$0 | HSANo | Counties4 |
| Connect Gold Orlando CMS Standard | MetalGold | TypeEPO | Premium (age 40)$750 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties4 |
| Connect Gold South FL 1500 Indiv Med Deductible | MetalGold | TypeEPO | Premium (age 40)$834 | Deductible$1,500 | OOP max$9,450 | Primary care$5 | Specialist$45 | Generic Rx$0 | HSANo | Counties2 |
| Connect Gold South FL CMS Standard | MetalGold | TypeEPO | Premium (age 40)$840 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties2 |
Sources
- Cigna Healthcare, individual medical plans discontinued, July 29, 2026
- KFF, Tracking insurer participation changes in the ACA Marketplaces in 2027, October 7, 2026
- CMS Nationwide QRS PUF PY2026, October 2025
- HealthCare.gov, dates and deadlines, accessed October 7, 2026
- CMS State-based Exchange Public Use Files, plan year 2026, checked October 4, 2026
← Florida Marketplace guide and all insurers
Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.
Thrive Benefits Group is not HealthCare.gov or a government agency. Premiums shown are before tax credits, for one person age 40, and most people who qualify for tax credits pay less. Your price depends on your county, age, household and income. Plan details can change; the insurer's plan documents are final.