What happened between Baptist Health and Cigna?
Cigna ended its agreement with Baptist Health in 2026, and Baptist Health told Cigna members it could leave them without in network access to its hospitals. News reports describe a standoff of nearly three months. On September 23, 2026 Baptist Health announced a multi-year agreement with Cigna that restores in network access for Cigna members, effective immediately.
If you paid out of network prices at Baptist during the gap, ask your Cigna plan and Baptist Health's billing office how those claims are handled.
Does the Baptist deal help if I have a Cigna marketplace plan?
Not for 2027. Cigna told state regulators it is leaving the Florida marketplace for 2027, so Cigna marketplace members must choose a different insurer during open enrollment. Cigna's Florida marketplace plans were sold in 11 counties in 2026. The Baptist agreement still matters for people who get Cigna coverage through an employer.
Other Florida marketplace changes: Aetna left at the end of 2025, and Sunshine State Health Plan has filed to leave for 2027. Its members move to an Ambetter plan from the same parent company unless they choose another plan.
How much more will Florida marketplace plans cost in 2027?
| Insurer | Proposed change |
|---|---|
| Blue Cross Blue Shield of Florida (Florida Blue) | 26% |
| Health Options (Florida Blue HMO) | 9.8% |
| UnitedHealthcare | 30.2% |
| Wellpoint (Simply Healthcare) | 17.3% |
| AvMed | 9.8% |
| Oscar Insurance Company of Florida | 4.2% |
| Ambetter (Centene) | 3.9% |
These are proposed averages before tax credits, from filings that were heavily redacted in early August. Final rates differ by plan and county. Compare actual 2027 prices when they are posted, because the cheapest insurer last year may not be the cheapest this year.
What does the marketplace look like in Duval County?
| Measure | Duval County |
|---|---|
| People who picked a plan | 186,404 |
| Received a premium tax credit | 94.3% |
| Average monthly premium before credits | $760 |
| Average monthly premium after credits | $99 |
| Paid $10 a month or less after credits | 48.4% |
| Picked a silver plan | 63.3% |
Silver plans were the choice of nearly two in three Duval enrollees. That makes sense: if your income is low enough, silver plans come with extra savings on deductibles and copays that bronze and gold plans do not.
Census estimates put Jacksonville at 1,017,689 residents, 14.9% age 65 or older, and 13.0% of people under 65 without health insurance.
How can a Jacksonville agent help?
Florida Blue is the largest insurer in Florida and has its headquarters in Jacksonville, so many neighbors assume it is the only choice. An agent can price Florida Blue next to other carriers for your doctors and drugs, and explain whether a lower premium is worth a smaller network.
Health Insurance Solutions agents are licensed in 22 states and help by phone and online. Marketplace plans cost the same with or without an agent, so the comparison does not add to your premium.
Insurers and hospitals mentioned
Explore the organizations or brands discussed in this article. A mention does not mean every plan or location is covered.
- Detailed guide · FloridaFlorida Blue
- Insurer · FloridaAmbetter Health
- Insurer · FloridaAvMed
- Insurer · FloridaFlorida Blue (BlueCross BlueShield FL)
- Insurer · FloridaFlorida Blue HMO (a BlueCross BlueShield FL company)
- Insurer · FloridaUnitedHealthcare
- Insurer · FloridaWellpoint
- Medicare Advantage · FloridaFlorida Blue
- Medicare Advantage · FloridaFlorida Blue HMO
- Medicare Advantage · FloridaUnitedHealthcare
- Small-group insurer · FloridaUnitedHealthcare Insurance Company
- Small-group insurer · FloridaUnitedHealthcare of Florida, Inc.
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