401(k) Monitor

Cigna changed the rules of its 401(k) match, effective January 1, 2026

Cigna changed the rules of its 401(k) match, effective January 1, 2026. New hires now wait one year for matching contributions; match eligibility used to start the day they joined. Matching contributions made after December 31, 2025 vest immediately (previously a two-year cliff), and the plan moves off a safe harbor design.

CompanyCigna
PlanThe Cigna Group 401(k) Plan
Effective dateJanuary 1, 2026
DirectionStructure change
Source filingForm 11-K, filed June 24, 2026, accession 0001739940-26-000051

Source: Form 11-K filed June 24, 2026, accession 0001739940-26-000051 · SEC

What the filing says, word for word

This filing states the change across several passages rather than in one sentence, so no quote is shown. The change is recorded from the filing itself, which is linked above, and nothing here is taken from press coverage.

Where this change comes from

401(k) Monitor reads the employer match, vesting, eligibility and automatic enrollment terms out of each plan’s SEC Form 11-K annual report. A change is recorded only when the filing states it, with the effective date the filing gives.

Other tracked changes

401(k) Monitor, “Cigna changed the rules of its 401(k) match, effective January 1, 2026”, from SEC Form 11-K accession 0001739940-26-000051 filed June 24, 2026. https://401kmonitor.com/stats/401k-match-changes/cigna-2026-01-01/