# Cigna will stop offering individual and family medical plans for 2027

Canonical reader page: https://ichrareport.com/news/cigna-individual-family-plans-2027/

Publisher: ICHRA Report

Originally published: 2026-09-12

Substantively updated: 2026-09-12

Sources checked: 2026-09-11

Data period: 2027 coverage notice; checked September 11, 2026

[Home](https://ichrareport.com/) [News](https://ichrareport.com/news/)  Cigna will stop offering individual and family medical plans for 2027

Carrier availability

Cigna's notice says it will stop offering individual and family medical plans for 2027. Employees using those plans and employers planning ICHRA renewals need to check replacement coverage, local networks and enrollment arrangements.

At a glance

Evidence  **Sourced reporting**

Event / data period  **2027 coverage notice; checked September 11, 2026**

Review cutoff  **September 11, 2026**

By [ICHRA Report](https://ichrareport.com/about/) · Published  September 12, 2026

Renewal development

Cigna’s individual-plan shopping site says it will not offer individual and family medical plans for 2027. Employees using those policies need to examine their 2027 options rather than assume the same medical plan will renew.

## What the notice says

Cigna says eligible consumers can still obtain individual and family medical coverage for the remainder of 2026 through a special enrollment period. Its notice says individual and family dental plans will remain available in 2027. This is an individual/family medical-plan announcement, not a statement that all Cigna coverage is ending. The page does not display an announcement date; we checked it on September 11. [source](https://shopifp.cigna.com/)

## Why this matters to an ICHRA workforce

An employer contribution can continue while the individual policy an employee purchases changes. That makes carrier availability part of the renewal analysis, even if the employer is keeping the same administrator and contribution strategy. Employees should check their own renewal or discontinuation notices for applicable dates and instructions.

The practical review starts with the affected employees’ counties, current plan identifiers and coverage needs. A replacement policy from another insurer may have a different network, formulary, deductible and method for accessing specialist care. A similar monthly premium is not enough to establish that it is a comparable replacement.

## Questions to resolve before enrollment

- Which employees currently use an affected individual medical policy?
- What plans will actually be available at their home addresses for 2027?
- Are their clinicians, hospitals and prescriptions covered under the exact replacement plan?
- How will the new premium interact with the employer’s allowance?
- Who will confirm the enrollment, effective date and first premium payment?

These are questions for an orderly coverage transition, not reasons to cancel existing coverage immediately. HealthCare.gov’s ICHRA guidance explains how the employer offer interacts with Marketplace coverage and financial assistance. [source](https://www.healthcare.gov/job-based-help/ichra/)

## Use current enrollment instructions

CMS’s August guidance describes the federal 2027 open-enrollment period as November 1, 2026 through January 15, 2027. State Marketplace schedules and effective-date deadlines require their own check; the last day of open enrollment is not necessarily the deadline for coverage starting January 1. [source](https://www.cms.gov/files/document/statement-re-city-columbus-080426.pdf)

Read our [2027 planning outlook](https://ichrareport.com/research/ichra-2027-planning-outlook/) to connect carrier changes with contribution modeling and employee communications. The unresolved question for an individual employee is the replacement policy available locally, not whether a national exit notice alone predicts their future cost.

## Sources and evidence

[1 Cigna Healthcare — Individual and family medical plan shopping notice Undated notice checked September 11: individual/family medical plans will not be offered for 2027; dental continues. Does not describe Cigna group coverage. Source reviewed 2026-09-11](https://shopifp.cigna.com/)[2 HealthCare.gov — Individual coverage HRA offer and Marketplace coverage Federal guidance for employees evaluating affordability, premium tax credits, and enrollment choices. Source reviewed 2026-08-16](https://www.healthcare.gov/job-based-help/ichra/)[3 CMS — Updated statement regarding City of Columbus v. Kennedy Two-page August 4 statement describes the July 16 stay of specified 2027 rule provisions and the November 1–January 15 federal enrollment period. Litigation remains subject to change. Source reviewed 2026-09-11](https://www.cms.gov/files/document/statement-re-city-columbus-080426.pdf)

Review dates are recorded for each source above. Company pages are useful for confirming how a product is described, but they do not prove service quality or customer results.