Tennessee · Insurer update
Cigna Is Leaving Tennessee's Marketplace: What Members Should Do
Cigna is leaving Tennessee's individual market after 2026. About 89,000 people were on its Tennessee individual book in the 2026 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.
Cigna's myDiabetesCare plans had $0 preferred insulin. Compare insulin and supply costs on BlueCross, Ambetter, Oscar and UnitedHealthcare options.
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 10 Connect EPO plans in 65 counties across the major metros, with $0 MDLive virtual urgent care and myDiabetesCare designs.
| Insurer | Counties (2026) | CMS rating (2026) | 2027 change |
|---|---|---|---|
| BlueCross | Counties (2026)95 of 95 | CMS rating (2026)4 of 5 | 2027 change+10.36% proposed |
| Ambetter | Counties (2026)95 of 95 | CMS rating (2026)3 of 5 | 2027 change+11.01% proposed |
| Oscar | Counties (2026)46 of 95 | CMS rating (2026)3 of 5 | 2027 change+18.72% proposed |
| UnitedHealthcare | Counties (2026)95 of 95 | CMS rating (2026)2 of 5 | 2027 change+28.68% proposed |
| Alliant | Counties (2026)11 of 95 | CMS rating (2026)Not yet rated | 2027 change+23.31% 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 Tennessee
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties |
|---|---|---|---|---|---|---|---|---|---|---|
| Connect Bronze 7500 Indiv Med Deductible | MetalBronze | TypeEPO | Premium (age 40)$547 | Deductible$7,500 | OOP max$10,150 | Primary care50% after deductible | Specialist50% after deductible | Generic Rx50% after deductible | HSANo | Counties65 |
| Connect Bronze 8500 Indiv Med Deductible | MetalBronze | TypeEPO | Premium (age 40)$563 | Deductible$8,500 | OOP max$10,150 | Primary care$10 | Specialist$100 | Generic Rx$3 | HSANo | Counties65 |
| Connect Bronze CMS Standard | MetalBronze | TypeEPO | Premium (age 40)$566 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties65 |
| Connect myDiabetesCare Bronze | MetalBronze | TypeEPO | Premium (age 40)$580 | Deductible$3,500 | OOP max$10,150 | Primary care$30 | Specialist$100 | Generic Rx$3 | HSANo | Counties65 |
| Connect Silver 4500 Indiv Med Deductible | MetalSilver | TypeEPO | Premium (age 40)$717 | Deductible$4,500 | OOP max$9,525 | Primary care$15 | Specialist$65 | Generic Rx$0 | HSANo | Counties65 |
| Connect Silver CMS Standard | MetalSilver | TypeEPO | Premium (age 40)$718 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties65 |
| Connect Silver 3000 Indiv Med Deductible | MetalSilver | TypeEPO | Premium (age 40)$720 | Deductible$3,000 | OOP max$10,150 | Primary care$5 | Specialist$80 | Generic Rx$0 | HSANo | Counties65 |
| Connect myDiabetesCare Silver | MetalSilver | TypeEPO | Premium (age 40)$723 | Deductible$2,500 | OOP max$10,000 | Primary care$5 | Specialist$75 | Generic Rx$0 | HSANo | Counties65 |
| Connect Gold CMS Standard | MetalGold | TypeEPO | Premium (age 40)$727 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties65 |
| Connect Gold 1500 Indiv Med Deductible | MetalGold | TypeEPO | Premium (age 40)$731 | Deductible$1,500 | OOP max$7,400 | Primary care$15 | Specialist$65 | Generic Rx$0 | HSANo | Counties65 |
Sources
- Cigna Healthcare, individual medical plans discontinued, July 29, 2026
- Cigna 2026 Tennessee plan comparison, October 2025
- 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
← Tennessee 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.