Costs are rising — but you have options. Let us show you three paths to lower your cost and keep your doctors, at no charge.
Amanda is a surgeon — income too high for subsidies. Family of 4, currently $2,476/mo on Cigna Gold · Healthy · No conditions · No medications
* Hypothetical illustration. Plans, premiums & savings vary by age, location, health & carrier. Not an offer of coverage.
Roughly 369,000 members across 11 states will lose their Cigna individual health plans. Because you're losing coverage through no fault of your own, federal rules give you a Special Enrollment Period — and an independent agent compares every replacement at no cost to you.
Cigna individual ACA plans terminate at the end of the 2026 plan year.
Both marketplace and direct-purchased Cigna individual medical plans end.
Your Medicare, stand-alone dental, and ancillary plans continue uninterrupted — only individual medical is exiting.
Losing your carrier is a qualifying life event — you don't have to wait.
Keep your eligibility for premium subsidies. Enroll during Open Enrollment (Nov 1 – Dec 15, 2026 for January 1 coverage) — or right now with your Special Enrollment Period.
See My Carriers →The same ACA-compliant coverage purchased directly from carriers — no subsidies, same enrollment windows. Often ideal for ICHRA arrangements and higher-income households.
Compare For Me →UnitedHealthcare Golden Rule, Allstate Health Solutions, Pivot Health. Enroll year-round — coverage can start almost immediately. Qualifying families have saved over $10,000/yr. Medical underwriting applies; your agent explains the tradeoffs.
Talk To An Agent Now →Pairing low-cost ancillary plans with a leaner core plan often costs less in total. Tap any plan to compare and enroll.
100% Free & Complimentary. 100% Independent & NOT CAPTIVE — appointed with ALL carriers in each state, representing YOU the consumer to lower your prices.
Know someone who just had a baby? Got married? Divorced? Our entire Life Insurance department works independently with 200+ carriers, ready to help find the right protection.
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Know a business owner? A friend complaining about group health rates? Our Employer Benefits Division shows how to instantly save thousands each month with a benefits review.