On Saturday, October 25, 2025, I opened my mail as a patient and found a letter from Cigna Healthcare dated October 16, 2025. The letter informed me that UNC Health, my healthcare system, may no longer be in-network as of December 1, 2025. This gives me barely five weeks to figure out my care options. Unless a new agreement is made, UNC Health will be out-of-network for Cigna commercial plans starting December 1. I, like over 60,000 other North Carolinians, have just over fi

When Cigna Healthcare's R49 policy made headlines in October 2025, many assumed it was an isolated case. Cigna Healthcare then paused the policy due to regulatory pressure. The relief was short-lived. The trend didn't stop; it had already spread to nearly every major insurer in the country.