Affordable Health Insurance Plans

Plans insured by Cigna Health and Life Insurance Company

Affordable Health Insurance Plans

If you’ve recently lost coverage or had a life change, Cigna can help you get the coverage you need.

To compare plans, prices, and newly increased subsidies, call 1 (855) 226-0509
Monday - Friday, 8 am - 8 pm ET

To shop for a new plan, get an online quote and apply.

Still Looking for Health Insurance in 2022?

Browse the 2022 health plans and apply.

Life changes, and so do your health insurance needs. The Open Enrollment Period for coverage in 2022 has ended, but you can still get or change health coverage in 2022 if you have a qualifying life event. Specific life events like getting married, relocation, having a baby, or losing your current health insurance coverage may qualify you for a Special Enrollment Period.

Your Special Enrollment Period lasts for 60 days after your qualifying event and allows you to enroll in or change your plan outside of the yearly Open Enrollment Period.

You may also qualify for government subsidies—like a premium tax credit—that can help you pay your monthly premiums, or a cost-sharing reduction, which lowers the amount you pay for deductibles, copays, and coinsurance.

The Open Enrollment Period for 2023 plans opens on November 1, 2022.

Browse the 2022 health plans and apply.

Affordable Plans

With plans that offer $0 virtual care1, $0 preventive care2, and $0-3 generic prescription drugs3, Cigna helps you get the most out of your health care.

Service and Access

24/7/365 availability means you can reach virtual care doctors and nurses, customer service, or health care support at any time. And if you have a critical health situation, Cigna offers dedicated support through the My Personal Champion® program to help you navigate the health care system.

Personalized Information

The myCigna® website and mobile app let you search in-network providers, view prescriptions, and manage claims and reimbursements.4 They also display personalized alerts and recommendations based on your unique health care needs and behaviors. You can also chat with a personal guide online or by phone if you need more personal help with identifying the right provider, care setting, or health improvement program.

Remember to Make Your First Payment

If you’re new to Cigna, you’ll need to make your first payment to start your health plan coverage. We have three easy ways to do this:

  1. Online:
    Visit our payment center (you’ll need to register for access if you haven’t already)
  2. By Phone:
    Call 1 (877) 900-1237, Monday - Friday, 8 am - 8 pm ET
  3. By Check:
    Send it to the address on your bill


Ready to get started?

New Customers

Compare plans, apply, and check if you are eligible for financial help.

Current Customers

Call 1 (877) 484-5966, 8 am - 8 pm ET to see if you qualify for changes to your coverage during Special Enrollment.


Call 1 (866) 438-2446, Monday - Friday, 8 am - 8 pm, ET.

To make it even easier, we can contact you.

Life gets busy, so we’ve created an easy way to get in touch. Just enter some basic information and we’ll reach out to you.

Contact me about Individual and Family Health Plans

More Reasons to Choose Cigna

No Referrals Needed

You don’t need a referral to see a specialist, but your Primary Care Provider (PCP) can help you locate an in-network specialist.5

Take Control Rewards 6

By completing simple activities, like scheduling a preventive exam or getting a flu shot, you can earn points to redeem for up to $275 in rewards. 

Plans for Specific Conditions

For conditions like asthma, chronic obstructive pulmonary disease (COPD), and diabetes, Cigna has specific plans with additional $0 features, copay savings, and support programs.7

Estimate Your Costs

Find your estimated out-of-pocket costs for doctor visits, lab tests, medical treatments, and more using our online directory.

Health Plans by State

Cigna offers Individual and Family Health Insurance Plans in AZ, CO, FL, GA, IL, KS, MO, MS, NC, PA, TN, UT, and VA.

Select your state to see the plans we offer.


Cigna Individual and Family Health Insurance Plan Information

Summary of Benefits and Coverage and important state policy disclosures.

Cigna Health Insurance Plan Information

Previous Cigna Health Plans

Policy/Service Agreement documents

Individual Health Insurance FAQs

Cigna Individual and Family Plan Brokers

Notice for North Carolina residents: Your actual expenses for covered services may exceed the stated coinsurance percentage or copayment amount because the actual provider charges may not be used to determine plan and member payment obligations.

The Access Plan is designed to disclose all the plan information required under Colorado law, and can be obtained by calling Customer Service or visiting

Other types of insurance we offer

couple hugging and smiling

Dental Insurance Plans

Cigna’s flexible, affordable dental insurance plans keep you smiling – and help you save.

family at the table looking at a tablet

Supplemental Insurance

Supplemental insurance helps protect you if an unexpected illness or accident happens.

older couple hugging

Medicare Plans

If you’re eligible for Medicare, Cigna has Medicare coverage options to fit your lifestyle.

Plans through your employer

This page features plans you can buy for yourself and your family. If you are looking for plans you might get through your employer, we can help get you there.

Find plans through your employer

1 Cigna provides access to dedicated virtual care through a national telehealth provider, MDLive located on myCigna, as part of your health plan. Providers are solely responsible for any treatment provided to their patients. Video chat may not be available in all areas or with all providers. This service is separate from your health plan’s network and may not be available in all areas. $0 virtual care benefit for minor acute medical care not available for all plans. HSA plans and non-minor acute medical care may apply a copay, coinsurance or deductible. Virtual care does not guarantee that a prescription will be written.  Refer to plan documents for complete description of virtual care services and costs, including other telehealth/telemedicine benefits. For IL customers a primary care provider referral may be required for specialist virtual visits.

2 Plans may vary. Includes eligible in-network preventive care services. Some preventive care services may not be covered, including most immunizations for travel. Reference plan documents for a list of covered and non-covered preventive care service.

3 Health benefit plans may be different, but in general to be eligible for coverage a drug must be approved by the Food and Drug Administration (FDA), prescribed by a health care professional, purchased from a licensed pharmacy and be medically necessary. If your plan provides coverage for certain prescription drugs with no cost-share, you may be have to use an in-network pharmacy to fill the prescription. If you use a pharmacy that does not participate in your plan’s network, your prescription may not be covered or reimbursement may be limited by your plan’s copayment, coinsurance or deductible requirements. Look at your plan documents for more information about your plan’s prescription drug coverage.

4 The downloading and use of the myCigna Mobile App is subject to the terms and conditions of the App and the online store from which it is downloaded. Standard mobile phone carrier and data usage charges apply.

5 Referrals are required for residents of Illinois.

6 The Cigna Take Control RewardsSM Program is available in all states to all primary subscribers that are active Cigna medical Individual and Family Plan policy holders and who are 18 years of age or older. All rewards may be considered taxable income. Contact your personal tax advisor for details. Program participation along with redeeming rewards is dependent on qualifying premiums being current and fully paid.

7 Refer to plan documents for a complete description and list of equipment, supplies, and tests that are covered at $0 through the condition specific plans.