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Cigna Informed on Reform -Certain Individual and Small Group Health Plans Granted Extra Year to Comply with Reform Law President Obama announced today that insurers may renew certain individual and small group health plans for 2014 without having to comply with new Affordable Care Act (ACA) requirements scheduled to take effect on January 1, 2014. Eligible policies include those with an effective date between January 1 and October 1, 2014 that would have otherwise been terminated. Cigna keeping you Informed on Reform. Includes Cigna's Position.