Affordable Health Insurance Plans

Plans insured by Cigna Health and Life Insurance Company

Affordable Health Insurance Plans

If you recently lost health insurance coverage or had a life change, we can help you spend less and get the coverage you need.

To get started, call 1 (855) 358-8528 , Monday – Friday, 8 am – 8 pm, ET.

Special Enrollment for 2021 Health Plans

If you recently lost your health insurance coverage for any reason (including COVID-19) in the past 60 days or you expect to lose coverage in the next 60 days or had a major life event such as marriage, relocation, or a new baby, you may qualify for a Special Enrollment Period. You may also qualify if you lost health coverage through your employer more than 60 days ago—but since January 1, 2020—and you couldn’t enroll in health insurance coverage due to COVID-19.

If you voluntarily dropped your coverage, you cannot qualify for a Special Enrollment Period unless you also had a decrease in household income or a change in your previous coverage that made you eligible.

During the Special Enrollment Period, you may qualify for both a premium tax credit and a cost-sharing reduction to help lower your health insurance premium and total out-of-pocket costs.

If you qualify, you have 60 days from the time of the event to make changes to your health plan, or browse the 2021 health plans and apply.

$0 Virtual Care

Connect to a board-certified doctor by phone or video chat, day or night, with no additional out-of-pocket cost.1

$0 Preventive Care

Pay nothing additional for most in-network preventive care, including your annual check-up, flu shot, some prescription drugs, and health screenings.2

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.3

Connect 24/7/365

Speak with a doctor, nurse, or Customer Service representative on the phone or online, anytime.

Remember to make your first payment

If you’re new to Cigna, you’ll need to make your first monthly 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

Plus, Cigna makes it simple to get the care you need.

Access Your Benefits Anytime, Anywhere

The myCigna® website and mobile app let you easily search in-network providers, estimate out-of-pocket costs, view prescriptions, and more.4

Proactive, Personalized Support

Cigna One Guide® delivers personalized recommendations through one-on-one support and digital technology. Connect by phone, online, or via the app for guidance about your plan.

Save on Diabetes-related costs

Pay no more than $25 out-of-pocket for a 30-day supply of covered, eligible insulin. Plus, our new Diabetes Care plans offer many additional benefits with $0 out-of-pocket cost.5

Estimate Your Costs

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

Health Plans by State

Cigna offers Individual and Family Health Insurance Plans in AZ, CO, FL, IL, KS, MO, NC, 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.

2021 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 Colorado Access Plan is designed to disclose all the policy information required under Colorado law, and is available for review.

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 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 or under all plan types. $0 virtual care benefit not available for all plans in AZ and CO. Some plans 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. A primary care provider referral is not required for this service.

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 Referrals are required for residents of Illinois.

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 Discounts available with the Cigna Patient Assurance Program. $25 is the maximum out-of-pocket cost for a 30-day supply of covered, eligible insulin.

+Health plan rates and rankings are based on state Department of Insurance figures, as of 10/1/2020. Subject to change. Exact 2021 plan rates will be published prior to Open Enrollment. Visit to view health plan rates.