Cigna is leaving Colorado’s individual and family medical insurance market effective January 1, 2027. Existing coverage continues through December 31, 2026, provided the policy remains active and premiums are paid.
Your Cigna individual medical plan cannot renew for 2027. You need to select coverage from another insurance company.
What your Connect for Health Colorado account may show
The screenshot below shows a returning Cigna customer’s account. It lists the existing 2026 Cigna plan, but also displays:
- “Action needed: Find a plan for 2027 coverage.”
- “You’re not enrolled in a 2027 health plan.”
Having your 2026 plan displayed in the account does not mean you have coverage arranged for January.
What to do next
- Review and complete your application. Update your household information and expected 2027 income.
- Compare replacement plans. Check doctors, hospitals, prescriptions, premiums, and out-of-pocket costs.
- Select a plan and complete enrollment. Reviewing quotes or updating the application alone doesn’t enroll you.
- Follow the new insurer’s payment instructions. Confirm that your first premium is paid by its deadline.
For a straightforward January 1 start, choose your replacement plan by December 15, 2026.
If you miss December 15th
Cigna customers losing coverage also qualify for a special enrollment period.
Under Connect for Health Colorado’s Cigna transition guidance, customers selecting replacement coverage December 16–31 can still receive a January 1 effective date when using the loss-of-coverage special enrollment pathway. Select “Will lose/lost health insurance” when reporting life changes.
Don’t assume a routine open enrollment selection after December 15 will start January 1. Without the applicable special enrollment pathway, selections made December 16 through January 15 generally begin February 1.
If you miss December 15, contact us promptly so we can help confirm the appropriate enrollment process and start date.
Don’t cancel your current coverage prematurely
Choosing a January replacement plan doesn’t require you to end your Cigna coverage early.
Switching insurers before the end of 2026 can mean starting over with a new deductible and out-of-pocket accumulation. Confirm the timing before making a change.
Help choosing a replacement
Send us your preferred doctors, hospitals, prescriptions, and expected household income. We can help compare available plans and complete the replacement enrollment.
This change concerns individual and family medical coverage. Don’t assume it means a separate Cigna dental or employer policy is ending.