If you are shopping Cigna Medicare Supplement plans in late 2026, the most important fact is not a price. It is that the business changed hands.
The Cigna Group sold its Medicare Advantage, Medicare Supplemental Benefits, Medicare Part D and CareAllies operations to Health Care Service Corporation, and HCSC announced the deal closed on March 19, 2025. HCSC is now rolling the acquired business out under a new national brand, HealthSpring. HealthSpring’s provider FAQ, updated January 1, 2026, says it without hedging: Cigna Medicare, which includes Medicare Advantage, Supplemental Benefits and Medicare Part D, is now HealthSpring, the Cigna Medicare name is going away, and the business is owned by Health Care Service Corporation.
So yes, the Medicare Supplement block went with the sale. If you own one of these policies, nothing about your coverage changes. If you are buying one, you are buying from HCSC, and the paperwork may say Cigna, HealthSpring, or one of five subsidiary names depending on where you live. Everything below was pulled September 7, 2026 from state regulator filings and the carrier’s own disclosures.
What This Product Actually Is
It is standard Medigap sold through a stack of legal entities. Federal law standardizes benefits by letter, so a Plan G here covers the same things a Plan G anywhere covers: the Part A hospital deductible ($1,736 in 2026), Part B coinsurance, skilled nursing coinsurance, Part B excess charges and foreign travel emergency care, but not the $283 Part B deductible.
The five underwriting companies named in HealthSpring’s own disclosure are:
- American Retirement Life Insurance Company
- HealthSpring Insurance Company (also known as Cigna Insurance Company where the name change is still pending)
- HealthSpring National Health Insurance Company (also known as Cigna National Health Insurance Company)
- Loyal American Life Insurance Company
- Medco Containment Life Insurance Company
The disclosure assigns specific states. Illinois, Maryland, New Mexico and Utah get HealthSpring National Health Insurance Company, domiciled in Ohio. North Carolina, Ohio and Pennsylvania get HealthSpring Insurance Company. Idaho gets Medco Containment Life. Alaska gets Loyal American Life. Kansas is limited to the two HealthSpring entities.
That mapping is not trivia. Medigap rates are filed company by company with each state’s insurance department, so the entity on your contract is the entity whose approved rates you pay. Maryland’s rate guide bears this out: it lists HealthSpring National Health Insurance Company at a Scranton, Pennsylvania service address with healthspring.com as the website, exactly as the carrier’s disclosure predicts.
How the Plans Work
Six plan designs, not ten. HealthSpring’s plan page lists Plan A, Plan F, Plan G, high-deductible Plan F, high-deductible Plan G and Plan N, with Minnesota’s Basic, Extended Basic and $20/$50 copayment designs handled separately. Plan F and high-deductible Plan F are limited to people first eligible for Medicare before January 1, 2020. There is no Plan B, C, D, K, L or M here, which is a narrower menu than AARP and UnitedHealthcare offer.
Rates are attained age. Maryland’s regulator classifies the filing as Individual Market, Attained Age, so the premium is tied to your current age and steps up as you get older, on top of any general rate increase.
There are two underwriting classes, and the gap is real. Maryland publishes both a preferred and a standard rate table. Standard runs about 10% above preferred, and the guide states plainly that standard rates cannot be used if you apply during your six-month open enrollment period, during a guaranteed-issue period, or during Maryland’s 30-day birthday window. Translated: apply inside a protected window and you get the better class automatically. Apply outside one and your health history decides which table you land on. Our Medigap open enrollment period guide covers when those windows open.
Discounts stack, but vary by state. HealthSpring advertises up to 25% in premium discounts, with an online enrollment discount of roughly 5% that is not offered in Connecticut, DC, Florida, Massachusetts, New Jersey, New York, Ohio, Oregon or Vermont. Maryland’s guide describes the household piece precisely: 6% if you live with another adult age 18 or older, including a spouse, civil union partner or domestic partner, plus an additional 14% if more than one member of the household enrolls in a Medicare Supplement policy with an affiliate.
What Cigna and HealthSpring Medicare Supplement Cost in 2026
Filed monthly premiums from the Maryland Insurance Administration’s guide, current as of July 1, 2026, for HealthSpring National Health Insurance Company. Preferred class, male non-tobacco.
| Plan | Age 65 | Age 70 | Age 75 | Age 80 | Age 85 |
|---|---|---|---|---|---|
| Plan A | $431 | $468 | $564 | $687 | $835 |
| Plan F (pre-2020 eligibility only) | $264 | $298 | $359 | $436 | $531 |
| Plan G | $241 | $262 | $315 | $384 | $467 |
| Plan N | $160 | $180 | $217 | $264 | $322 |
Female preferred rates run about 10% lower: Plan G is $217 at 65 and $420 at 85, Plan N is $144 at 65. Standard-class male rates are $265 for Plan G at 65 and $176 for Plan N, roughly 10% above preferred.
Two observations. Plan A costs far more than Plan G here, which looks backwards until you remember Plan A is a thin, small, aging block that attracts people who could not or would not buy more. Do not read Plan A as the budget option. And Plan N at $160 is one of the lowest Plan N rates in the entire Maryland guide, which makes this block worth a quote if you are willing to accept Plan N’s copays. Our Medigap Plan N cost and Plan G vs. Plan N pages cover that trade.
Apply the Maryland discounts and the numbers get more interesting. A 65-year-old man in the preferred class who qualifies for the 6% household discount pays about $227 for Plan G. Add the 14% affiliate discount on top and it lands somewhere between $193 and $195, depending on whether the two are added together or applied in sequence, which puts it among the lowest Plan G prices in the whole guide.
Who It Is Good For and Who Should Skip It
Good if you want a cheap Plan N or high-deductible Plan G. Maryland’s $160 Plan N is competitive with anything in the state, and the high-deductible options are available where many carriers do not offer them.
Good if two people in your household will both buy. The 6% plus 14% structure is one of the deepest household discounts published in the Maryland guide.
Good if you are enrolling during a protected window. The preferred class is automatic then, and preferred versus standard is worth about 10% for as long as you hold the policy.
Think twice if the brand change bothers you. You will be dealing with HCSC and HealthSpring going forward, not Cigna, and the customer service organization is being rebuilt around a new name.
Think twice if you want a plan letter this block does not sell. No Plan B, C, D, K, L or M outside the waivered states.
Think twice if you are applying with a health history outside a protected window. Standard class pricing, or a decline, is the real risk, not the premium difference between carriers.
Cigna and HealthSpring vs. Other Medigap Carriers
All figures are Plan G at 65 from the Maryland Insurance Administration’s July 1, 2026 guide, so state and vintage are held constant.
| Carrier (Maryland filing) | Plan G at 65 | Rating method | Household discount |
|---|---|---|---|
| USAA Life | $215 (unisex non-smoker) | Attained age | 5% |
| State Farm Mutual Automobile | $224 (male non-tobacco) | Attained age | Not listed |
| HealthSpring National (former Cigna block) | $241 (male preferred) | Attained age | 6%, plus 14% with an affiliate policy |
| UnitedHealthcare / AARP | $258 after the 39% early-enrollment discount | Community rated | 10% multi-insured |
| Mutual of Omaha Insurance Company | $278 (male non-tobacco) | Attained age | 12% |
| United American | $281 (male preferred) | Issue age / attained age | Not listed |
The Bottom Line
The Cigna Medicare Supplement you may have been shopping for is now an HCSC product wearing the HealthSpring name, and the transition runs through 2026. That is a branding and servicing change, not a coverage change. Your plan letter still means what federal law says it means, and Medigap policies are guaranteed renewable.
What you should actually check is smaller and more useful. Find out which of the five underwriting companies is filed in your state, because that is whose rates you pay. Ask which underwriting class you will be placed in and whether you are inside a protected window, since preferred versus standard is worth about 10% every month for life. Confirm the household discount percentage in writing before it shows up on a quote. And project the premium out to 80 and 85 from your state’s rate guide, because attained-age pricing means the quote at 65 is the smallest bill you will ever get.
Then budget the rest. You keep paying the $202.90 standard Part B premium in 2026 plus the $283 Part B deductible on Plan G, and Medigap never covers drugs, so add a Part D plan. Our Medigap cost and Medigap Plan G cost pages give the national picture, Medicare Advantage vs. Medigap covers the larger decision, and Cigna Medicare Advantage covers the same block’s network plans. Worth quoting alongside: Mutual of Omaha, Humana, Blue Cross, USAA, State Farm and United American.