Individual insurance in Texas

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Individual and Family Plans in Texas

About our Texas Medical and Dental Plans


Our Individual and Family Plans offer a simple-to-use, solid health plan designed to provide you and your family medical insurance in Texas and the peace of mind that comes with dependable health coverage from Cigna.

Health and Dental Insurance Plan Overview

Open Access

Choose the doctors you want to see in-network or out-of-network. It's up to you.

No referral required to see a specialist

Dental coverage
available

Open Access Value Plan

Same freedom of choice as Open Access plans

A lower monthly premium

A higher annual deductible and out-of-pocket maximum

Dental coverage
available

Health Savings Plan

High deductible plan allows you to use a tax-advantaged Health Savings Account (HSA) to help pay for current medical expenses or save for future ones.

Choose the doctors you want to see – in-network or out-of-network. It's up to you.

No referral required to see a specialist

Dental coverage
available


Medical Plan Comparisons

Open Access Plans

Open Access Value Plans

Health Savings Plans
 

Medical Summary of Benefits

Open Access Plans

Open Access Value Plans

Health Savings Plans
 

Medical Outline of Coverage

Open Access

Open Access Value Plans

Health Savings Plans
 

Pharmacy

Prescription Drug List
 

Dental Summary of Benefits

 

Dental Outlines of Coverage

Texas Eligibility Requirements

All applicants applying for coverage must meet age, dependent status and residency requirements.

Age and Dependent Requirements:

  • Eligible applicants must be under the age of 65 on the assigned effective date
  • Primary applicants must be age 19 or older; children under the age of 19 may only apply as a dependent on a family plan with one or both parents
  • Dependent children are eligible up to age 26
  • Dependent grandchildren are eligible up to age 26
  • A newborn child or newly adopted child, born or adopted to an enrolled subscriber, may be added to the subscriber's plan within 31 days of the birth or adoption. Requests for enrollment beyond 31 days of the birth or adoption will be subject to the full application and medical underwriting evaluation
  • Foreign exchange students and foster children are NOT eligible dependents

Residency Requirements:

Non-Citizen Residence

  • Must be legal U.S. residents
  • Must reside within the U.S. for 6 consecutive months prior to applying for coverage
  • Must reside within the State of Texas at time of application

U.S. Citizens and Expatriates

  • Citizens residing within the U.S. must reside within the state of Texas at the time of application
  • Citizens/Expatriates who have been living and working outside the U.S. and who are in process of returning to the U.S. are eligible to apply; the requested effective date must be after their return to the U.S.

For more information about benefits, exclusions or limitations, call Cigna at

For Brokers and Agents

Our broker website allows our licensed and appointed brokers and agents view plan highlights, compare benefits, generate proposals, track submitted proposals, access a variety of forms, and more. Start utilizing the broker website today.

For Employers

Looking for group plans for your company? Visit the group plans pages.

In Texas, Open Access Plus plans are considered Preferred Provider plans with certain managed care features; Health Savings Plans are considered Preferred Provider plans with certain managed care features and are compatible with a Health Savings Account (HSA).