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Affordable Health Insurance Plans

Shopping for coverage on your own? Open Enrollment for 2023 plans has ended. If you've had a qualifying life event you could still be eligible to get a plan during Special Enrollment.

To shop for a plan during the Special Enrollment Period, visit HealthCare.gov.

Don't qualify to buy a plan during Special Enrollment?

Open Enrollment for 2024 starts Nov. 1, 2023. You can come back and shop Cigna's plan offerings at that time.

Important: Making your first premium payment

After you enroll, you must make your first premium payment before your plan can be activated.

Here are three easy ways to pay:

  • Pay your premium online
  • Pay by check: Find the mailing address on your bill and follow the instructions
  • Pay by phone: Call (TTY 711), Mon - Fri, 8 am - 8 pm ET

 

Renewing customer? Log in to myCigna to pay your premium.

 

Still shopping for health insurance for 2023?

Special Enrollment runs until November 30, 2023. To shop for a plan during this time, visit HealthCare.gov

Existing Customers:

Call , 8 am-8 pm ET to see if you qualify for changes to your current coverage.

Why choose Cigna?

Cigna's quality plan options, personalized health care support, and low costs provide you with access to the expertise and care you need, when you need it.

Affordability

With $0 virtual care (telehealth),1 $0 preventive care visits,2 $3 or less for generic prescription drugs,3 and access to Cigna's Patient Assurance Program, Cigna's plans and programs make it easy for you to get affordable, quality care.

Find out more

24/7 Virtual Care

Members have access to MDLIVE's primary care physician, virtual dermatology, and virtual behavioral health networks for routine visits 24/7, as well as $0 virtual urgent-acute care and $0 virtual wellness screenings.1
Learn about virtual care

Guided Customer Care

Get help from personalized health coaches to manage specific conditions like diabetes. My Personal Champion® can assist you with navigating the health care system during a critical situation. Or, speak to specialty pharmacists at our Therapeutic Resource Centers.

Explore guided help

Personalized Digital Tools

The myCigna® website and mobile app4 help you find quality in-network providers, order and refill prescriptions, pay claims, and more. You also get data-driven customized alerts for health coaching, specialized care, and cost savings.

View more about myCigna

Rewards and Discounts

Customers over 18 can earn up to $325 in points that can be redeemed for a debit card or merchandise through our Cigna Take Control Rewards® program.5 Enjoy additional benefits with Cigna’s Healthy Rewards® discount program.

Discover savings

24/7/365 Customer Service

Have a question about your plan? Need help finding an in-network doctor? With Cigna, you can call any time for help with using your plan or navigating your benefits. Plus, if you have a health question, you can speak to a licensed clinician 24 hours a day.

See details

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When can you buy a Cigna Individual Health Insurance plan?

  • During annual Open Enrollment (November 1-January 15). This applies to new customers, and to current customers who want to renew or make changes to their existing plan–-you can shop here on Cigna.com.
  • During the Special Enrollment Period (January 16-November 30) you can shop for a plan on HealthCare.gov. If you've had a qualifying life event, you may be eligible to get a plan during this time. Life events could include marriage, new child, recent move, and more.

Visit our Knowledge Center to learn about:

In-Network vs. Out-of-Network

How to Shop the Health Insurance Marketplace

Open Enrollment and Special Enrollment Periods

Bronze, Silver, Gold and Platinum Health Plans

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Policies, Disclosures, and Requirements

All Policy/Service Agreement Documents State Policy Disclosures, Exclusions, and Limitations Transparency in Coverage

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.

Looking for plans through your employer?

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

Find plans through your employer

Continue shopping for your own coverage

Dental Coverage

Supplemental Coverage

Plans are insured by Cigna Health and Life Insurance Company or its affiliates: For Arizona residents, health plans are offered by Cigna HealthCare of Arizona, Inc. For Georgia residents, health plans are offered by Cigna HealthCare of Georgia, Inc. For Illinois residents, health plans are offered by Cigna HealthCare of Illinois, Inc. For North Carolina residents, health plans are offered by Cigna HealthCare of North Carolina, Inc.  For South Carolina residents, health plans are offered by Cigna HealthCare of South Carolina, Inc. For Texas residents, health plans are offered by Cigna HealthCare of Texas, Inc.

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 Availability of $0 preventive care (no cost share) by plan 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 services.

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 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.

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 The Cigna Take Control Rewards 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.

States with Plan Availability

Plans available in AZ, CO, FL, GA, IL, IN, KS, MO, MS, NC, PA, SC, TN, TX, UT, and VA.

For available plans in all other areas, call us at .

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Disclaimer

Product availability may vary by location and plan type and is subject to change. All health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, review your plan documents or contact a Cigna representative.

All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company, Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of North 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 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.

 Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna website. Cigna may not control the content or links of non-Cigna websites. Details