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Plans are insured by Cigna Health and Life Insurance Company or its affiliates:

Individual and Family Health Insurance Plans

As your partner in total health, Cigna offers affordable health insurance coverage that fits your needs, right at your fingertips.

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Special Enrollment Period

If you missed Open Enrollment for the 2020 plan year but recently had a “qualifying life event” such as loss of coverage, moving, or a new baby, check if you qualify for a Special Enrollment Period.

If you qualify, you have 60 days from the time of the event to make changes to your health plan, or browse the 2019 health plans and apply.

Access quality care and savings

Low monthly premiums

4 out of 5 people qualify for federal premium subsidies to lower their monthly premium cost.*

Affordable Copays

Many Cigna health plans have copays for doctor visits before you meet your deductible. This means you can see an in-network doctor without paying the entire cost of the visit out-of-pocket.

$0 Telehealth**

Save time and money getting treated over the phone instead of travelling to a doctor’s appointment.1

Healthy Savings

We’ll help you stay healthy with discounts on gym memberships and vision care.2 Learn about this program

$0 Preventive Care

Pay nothing additional for most preventive care, which includes your annual check-up, flu shot, some prescription drugs used for preventive care, and health screenings.3

In-network savings

Avoid surprise costs by estimating treatment expenses and finding lower cost alternatives such as in-network urgent care centers. Explore our Provider Directory

Using your plan

We’ll help you get the most out of your plan, so you can live a heathier life.

Cigna Individual and Family Health Insurance Information

Summary of Benefits and Coverage and important state policy disclosures.

2019 Cigna health insurance plan information

Cigna Plans from past years

Policy/Service Agreement documents

Individual Health Insurance FAQs

Other types of insurance we offer

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Dental Insurance Plans

A healthy mouth is a sign of good overall health. Cigna’s flexible, affordable plans keep you smiling.

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Supplemental Insurance

A major health event can have a big impact on your finances. Protect yourself with supplemental insurance.

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Medicare

Are you eligible for Medicare? Explore your options.

Learn about health insurance costs

There’s a lot to keep in mind when you’re shopping for health insurance. These videos and articles can help you make sense of it all.

1 Telehealth providers participating in the Cigna Telehealth Connection program are independent contractors and separate from Plan network providers. Not all providers have video chat capabilities. Video chat is not available in all areas. PCP referral is not required. Refer to plan documents for a complete description of covered services, including other telehealth/telemedicine benefits. Program availability may vary by location and plan type. See vendor sites for details.

2 These programs are separate from your medical benefits. A discount program is NOT insurance, and you must pay the entire discounted charge. Some programs are not available in all states and programs may be discontinued at any time. Participating providers are independent contractors solely responsible for any care or services provided.

3 Includes eligible in-network preventive care services. Some preventive care services may not be covered, including most immunizations for travel. Please see your plan documents for a list of covered and non-covered preventive care services.

* Early 2018 Effectuated Enrollment Snapshot, July 2 2018. https://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Marketplaces/Downloads/2018-07-02-Trends-Report-1.pdf

** Telehealth benefits vary by state. For Cigna IFP medical plans with a copay: $0 copay in TN; $10 or less copay in CO, VA; $25 or less copay in IL; $30 or less copay in MO; $40 or less copay in AZ, NC. For plans subject to deductible/coinsurance, the plan deductible must be met first. Refer to plan documents for details.