Cigna will stop offering individual and family medical plans in Colorado beginning January 1, 2027. If you currently have one of these plans, your coverage continues through December 31, 2026, but you’ll need coverage from a different insurance company for 2027.
This announcement concerns individual and family medical coverage. It does not mean every type of Cigna insurance is ending.
When should you choose a replacement plan?
The simplest approach is to choose your new plan by December 15, 2026, for coverage beginning January 1, 2027.
Colorado’s open enrollment period runs from November 1, 2026, through January 15, 2027. But Cigna customers also qualify for a special enrollment period because their coverage is ending.
| When you select your replacement plan | Coverage start date |
|---|---|
| By December 15, 2026 | January 1, 2027 |
| December 16–31, 2026, using the loss-of-coverage special enrollment period | January 1, 2027 |
| January 1–15, 2027, through regular open enrollment | February 1, 2027 |
If you miss December 15, you still have a way to avoid a January coverage gap. When enrolling through Connect for Health Colorado by December 31, select “Will lose/lost health insurance” on the life-changes screen to use your special enrollment period.
Your loss-of-coverage special enrollment period continues through March 1, 2027. Waiting until after December 31 can leave you with a gap in coverage, so contact us promptly if you haven’t selected a replacement.
Should you switch before the end of 2026?
Cigna’s termination notice also allows eligible customers to request an earlier change through a special enrollment period that began July 4, 2026.
But switching before January has a potential cost: the deductible and out-of-pocket spending you’ve accumulated with Cigna won’t transfer to a different insurance company. You could face a new deductible for the remaining months of 2026, followed by another reset in January.
Unless you have a reason to switch sooner, compare that cost carefully before ending your Cigna coverage early.
Compare your doctors, prescriptions, and financial assistance
A replacement plan may have a different provider network, prescription formulary, deductible, and premium. Check your doctors and medications before choosing, even if the new plan looks similar to your current coverage.
Also review your estimated 2027 household income. Your financial assistance can change when your income, available plans, or local premiums change.
We provide no-cost help comparing replacement plans and enrolling. Contact us for assistance, or review our 2027 subsidy information.
Cigna dental insurance
The individual medical market exit announcement does not apply to standalone Cigna dental insurance.