How to Cancel Cigna Health Insurance in 2026

Updated February 2026 • 9 min read

Cigna (now officially The Cigna Group) is one of the largest health insurers in the US. Canceling is a different process depending on whether you have health, dental, vision, or supplemental coverage — and how you enrolled. This guide covers every scenario.

Quick Reference: Cigna Phone Numbers

• Health insurance: 1-800-997-1654
• Dental: 1-800-244-6224
• Medicare: 1-800-668-3813
• myCigna.com: Manage plans online (limited cancellation)

Determine Your Plan Type First

Your cancellation process depends entirely on how you got your Cigna coverage:

• Employer-sponsored: Go through your HR department
• ACA Marketplace: Cancel through healthcare.gov or your state exchange
• Individual plan: Call Cigna directly at 1-800-997-1654
• Cigna dental only: Call 1-800-244-6224
• Medicare Advantage: Special disenrollment rules apply

Canceling Employer-Sponsored Cigna

If your employer provides your Cigna plan, you cannot cancel directly with Cigna. Your employer controls the group policy. Contact your HR or benefits administrator and ask about the process. Typically you can only make changes during open enrollment or with a qualifying life event (marriage, divorce, birth of child, loss of other coverage, relocation).

Canceling Marketplace Cigna Plans

1. Go to healthcare.gov (or your state exchange)
2. Log into your account
3. Find your current Cigna plan under "My Plans & Programs"
4. Select "End Coverage"
5. Choose end date (earliest is usually end of current month)
6. Save and confirm

Subsidy implications: If you received premium tax credits, canceling mid-year may affect your tax filing. Consult a tax professional if you had marketplace subsidies.

Canceling Individual Cigna Plans

1. Call 1-800-997-1654
2. Have your Cigna ID card and policy number ready
3. Tell the representative you want to cancel your plan
4. Specify your desired end date
5. Request a confirmation number and written confirmation
6. Follow up with a written cancellation letter sent via certified mail

Canceling Cigna Dental

Cigna dental plans are often separate from health insurance. If you have standalone dental coverage, call 1-800-244-6224. If your dental is bundled with employer health insurance, you will need to go through HR. Many Cigna dental plans are monthly and can be canceled at any time. Employer dental plans follow the same open enrollment rules.

Cigna Supplemental Products

Cigna also sells supplemental insurance products that are separate from health coverage:

• Accident insurance: Call member services to cancel
• Critical illness: Can usually be canceled anytime
• Life insurance: Contact the life insurance division separately
• Disability insurance: Employer-sponsored requires HR; individual can call Cigna

What Cigna Costs and Why People Leave

Average Cigna premiums: $350-550/month for individual coverage. Common reasons for switching:

• Premium increases (Cigna raised rates 7-15% in many markets for 2026)
• Network changes — doctors or hospitals leaving the Cigna network
• Prior authorization frustrations (Cigna has faced lawsuits over claim denials)
• Found better rates during open enrollment
• Job change with new employer coverage
• Qualifying for Medicare

The Bottom Line

Canceling Cigna requires knowing your plan type first. Employer plans go through HR, marketplace plans through healthcare.gov, and individual plans through a direct phone call. Whatever your situation, get written confirmation and never leave a gap in your health coverage.