Cigna Corporation (CI) Stock Analysis & Winston Score

Cigna is a large American health insurance and health services company. It sells medical, dental, and pharmacy insurance plans to employers, governments, and individuals. Its biggest business unit is Evernorth, which manages pharmacy benefits and handles prescription drug costs for millions of people across the United States. Cigna makes money by collecting insurance premiums and fees for managing health benefits on behalf of large employers and other clients. It operates mainly in the United States but also has some international health benefits businesses. Its scale and long-term contracts with large employers give it a degree of stability, though its thin margins — common in managed care — mean small cost increases can quickly hurt profits. The key risk Cigna faces is rising medical costs, since the company must pay out claims when healthcare expenses climb faster than the premiums it collects.