Competitive Landscape — Cigna vs. UnitedHealth, CVS/Aetna, and Elevance

"Why Cigna and not UnitedHealth?" is one of the most common — and most poorly answered — questions in healthcare insurance interviews. The Big 4 commercial insurers (UnitedHealth, Elevance, CVS/Aetna, Cigna) each have distinct strategies: UnitedHealth is platformizing through Optum, CVS is building a retail-led super-app via Aetna, Elevance is the Blue Cross franchise consolidator, and Cigna is the open-architecture integrator. This module gives candidates the substance to compare and contrast — and to land a "Why Cigna specifically" answer that doesn't sound like a coin-flip.