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Home Employers Healthcare Cost Control Strategies for EmployersDefined Contributions for Employer Health Plans

Defined Contributions

We take a consultative approach to your organization's budgeting strategy.

Fixed employer contributions are a good choice for organizations that face continued pressure on affordability of health benefits. When paired with a private exchange or marketplace, defined contributions stabilize costs for employers and give employees a better understanding of the total cost of their plan, while offering more choice.

How it Works

Defined contribution allows employers to establish an annual dollar contribution amount per employee to spend on all health care plan coverage.

  • Employer contribution uses pre-tax dollars
  • An employee uses the employer contribution to select products that best meet their needs
  • Employers have multiple options to structure a cost-effective approach to help employees pay for their benefits
  • Employees stay invested in making smart choices

Benefits of Cigna Medical Plans

  • Option for employers to bundle pharmacy, behavioral health, dental, and more
  • Optional health and wellness incentive programs to encourage and reward employees
  • Dedicated client service team


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Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and complete details of coverage, contact a Cigna representative. Group medical plans are insured or administered by Cigna Health and Life Insurance Company or its affiliates. Policy forms: OK: HP-APP-1 et al, OR - HP-POL38 02-13, TN: HP-POL43/HC-CER1V1 et al

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Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., and Cigna HealthCare of North Carolina, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of Cigna Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT); (ii) Life Insurance Company of North America (“LINA”) (Philadelphia, PA); or (iii) New York Life Group Insurance Company of NY (“NYLGICNY”) (New York, NY), formerly known as Cigna Life Insurance Company of New York. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. LINA and NYLGICNY are not affiliates of Cigna.

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