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  • Home Employers Small Employers (2-99)

    Benefit Solutions for Small Employers (2-99)

    The right health plan can help your employees stay healthy and productive.

    Building a new benefits package?

    Plans Designed for Smaller Workforces: 25-99 Employees1

    Smaller businesses work hard. Managing a busy company means making sure your employees stay healthy and productive. To do this, you need a health plan that takes care of not just their physical health, but also their emotional well-being.

    Looking for health plans for 2-24 employees?

    Through Cigna HealthcareSM* + Oscar, certain employers with 2-24 employees2 can get affordable small group health insurance plans. Our partnership with Oscar is built around our national and local provider network and Oscar's digital member experience. Learn more about our product offerings and availability and to request a Cigna Healthcare + Oscar quote.

    Go to Cigna Healthcare + Oscar

    Find in-network providers

    Staying in-network can help your clients lower costs.

    View prescription drug lists

    See which drugs are covered by your plan.

    Why Small Businesses Choose Cigna Healthcare

    To meet your organization's unique needs, Cigna Healthcare designed health plans with small companies in mind, offering fully connected medical, pharmacy, and behavioral health benefits that inspire healthy outcomes.

    Provider Networks

    We offer large, nationwide networks or locally focused networks with quality doctors and hospitals.3

    Behavioral Health Support

    A large network of behavioral clinicians, self-service digital tools4, and employee assistance programs promote mental health.5

    24/7/365 Live Customer Service

    Live customer service is available 24/7/365 for any questions or concerns your employees may have.

    Virtual Care6

    From urgent care to primary care, behavioral and physical therapy, employees have access to a full suite of telehealth options.

    Integrated Pharmacy

    Our comprehensive pharmacy management includes available network, formulary, and member cost saving options.

    Health and Wellness Engagement

    A team of engagement specialists, and comprehensive wellness programs and materials, help educate and engage employees.

    Cigna One Guide®

    The Cigna One Guide service combines technology with empathetic human support to help your employees manage their health.

    Customized Virtual Benefits Education Website

    Two virtual benefit assistants guide and explain the specific Cigna Healthcare-administered benefits you are offering.

    Options for Affordability

    Select from a wide range of deductible, copay, and coinsurance options, including high-deductible plans.

    See more reasons to choose Cigna Healthcare


    Virtual Benefits Education

    Learn about the Virtual Benefits Education website. (Length: 00:02:26)
    Watch Video

    Funding Solutions for Employers

    We offer multiple insured and self-funded funding options employers to help pay for employee benefits. Contact your Cigna Healthcare representative to find out what's available.

    Learn more about funding solutions

    Resources to Share With Your Employees

    Ideal for new enrollees and employees looking for general information on how health plans work.

    Knowledge Center

    Informational articles and resources on a wide range of insurance and health care topics.

    Member Guide

    Getting the most from your plan. Comprehensive info for all new and existing plan holders.

    Cigna for Employers Online Portal

    Get a personalized view of your company's plan, from the products you offer to your employees' digital engagement performance.
    Go to Cigna for EmployersLearn more

    *Offered by Cigna Health and Life Insurance Company

    View Cigna Healthcare Company Names

    1 Cigna Healthcare + Oscar operates in the following geographies: Arizona, Northern and Southern California, Chicago, IL metro, Connecticut (Open Access Plus network only), Georgia, Kanas City, KS metro, Kansas City, MO metro, Philadelphia, PA metro* (Open Access Plus network only), St. Louis, MO metro and Tennessee.

    2 In most states, Cigna Healthcare offers group insurance coverage to employers with more than 50 full-time employees, as well as administrative services for self-funded plans with as few as 25 full-time employees.

    3 Network and funding options vary by market.

    4 Program services are provided by independent companies/entities and not by Cigna Healthcare. Programs and services are subject to all applicable program terms and conditions. Program availability is subject to change.

    5 Employee assistance program services are in addition to, not instead of, health plan benefits. These services are separate from health plan benefits and do not provide reimbursement for financial losses. Customers are required to pay the entire discounted charge for any discounted legal and/or financial services. Legal consultations related to employment matters are excluded. Additional restrictions may apply. Program availability may vary by plan type and location, and are not available where prohibited by law.

    6 Cigna Healthcare provides access to virtual care through national telehealth providers as part of your plan. This service is separate from your health plan's network and may not be available in all areas.

    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 details of coverage, contact a Cigna Healthcare representative.

    Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (Bloomfield, CT), or its affiliates. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT). Policy forms: OK – HP-APP-1 et al., OR – HP-POL38 02-13, TN – HP-POL43/HC-CER1V1 et al. (CHLIC); GSA-COVER, et al. (CHC-TN).

    © 2023 Cigna Healthcare.

    Let's Get Started

    Thank you for your interest in Cigna Healthcare. Please provide some basic information about your company and a representative will contact you.

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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., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, 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 The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT). The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.

    All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna Healthcare sales representative. This website is not intended for residents of Arizona and New Mexico.

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