The federal Marketplace (Healthcare.gov) and state Marketplaces are public websites that provide information to help you shop for health insurance plans. On these websites, you can compare plans, choose a plan and enroll in that plan. In some states, the Marketplace is run by the state. In others it is run by the federal government. Cigna takes part in in the federal Marketplace in these states: Arizona, Georgia, Missouri, Tennessee and Texas. We also take part in in state marketplaces in Colorado and Maryland.
The Marketplaces also includes information on ways to save on your health care costs. Financial assistance can lower the cost of health insurance if you qualify.
You can sign up for a health insurance plan during the Open Enrollment period. Open Enrollment for 2016 starts on 11/1/15. You may be eligible to sign up for coverage outside of Open Enrollment during a Special Enrollment Period (SEP) if you have a qualifying life event – such as lost coverage from work, marriage, or a new child. Please visit the federal Marketplace, or your state's Marketplace to see the selection of health plan options offered in your state.
Health Care Reform: What it Means to You
With few exceptions, everyone needs to have health insurance. Whether you're unemployed, self-employed, an early retiree, between jobs, or a student, it’s highly likely that you are required to have health insurance. Because of Health Care Reform and the Affordable Care Act, you can choose the insurance plan that best fits your needs. Learn more about Health Care Reform
Qualifying for Federal Financial Assistance
If you're on a tight budget, you may be worried about the cost of healthcare. Depending on your annual household income level and household size, you might qualify for federal financial assistance to lower the cost of your health insurance. Learn more about Federal Financial Assistance and find out if you qualify
Understanding "Metal" or "Coverage" Levels
There are five categories or “metal” levels of coverage available in the Marketplace. The categories help you understand how much you pay versus how much your plan pays for your health care. The categories have nothing to do with the quality of care you get. Learn more about metal levels
Health Insurance Marketplace FAQs
You’re not alone in having questions about the Health Insurance Marketplace. Frequently asked questions (FAQs) about the Marketplace are available. Click here to read the Marketplace FAQs