Skip to main navigation Skip to main content Skip to footer
  • For Medicare
  • For Providers
  • For Brokers
  • For Employers
  • Search
  • For Individuals & Families:
  • For Individuals & Families:
  • Shop for Plans

    Shop for Plans

    • Plans through your employer
    • Learn about the medical, dental, pharmacy, behavioral, and voluntary benefits your employer may offer.
    • Explore coverage through work
  • Log in to myCigna
  • Log in to myCigna
  • Shop for Plans

    Shop for Plans

  • Member Guide
  • Find a Doctor
  • Home Knowledge Center Health Care Reform Facts: Purchasing Your Own Coverage

    Health Care Reform and What it Means for You

    The Affordable Care Act (ACA) was put in place to make your health care coverage better and more affordable.

    Changing health care to make it better, more affordable, and within reach of more people is important. That’s why you hear so much about health care reform. But what does it mean for you? Here’s a run-down of five key things to know.

    It's easier to get health insurance

    The Patient Protection and Affordable Care Act (PPACA), also known as the Affordable Care Act (ACA) or "Obamacare," put health care reform in action. This law makes it easier for people in the United States to get health insurance. Plus, it can provide federal financial assistance to those who need help paying for it.

    You can count on coverage and standard plan features

    Thanks to the Affordable Care Act, you don’t have to worry about being turned down for health insurance if you have a pre-existing condition, or an ongoing health problem.

    You can also count on every plan having standard features, known as “essential health benefits.” For example, your annual check-up and routine shots are 100% covered when you visit an in-network provider.* Lots of other services are standard, too.

    You can stay on a parent’s plan until age 26

    The law makes it easier and less expensive for young adults to get health insurance, too. Children can typically stay on a parent’s plan until they turn 26. (Check with the individual plan to be sure, since some states and plans have different rules.) Plus, kids can join or stay on a parent’s plan even if they're married, not living with their parents, going to school, not counting on their parents for money, and able to sign up for a plan where they work.

    You can shop and compare plans on the Health Insurance Marketplace

    The Marketplace is an online shopping center based at It’s a great place to start if you don’t have health insurance or want to find your state Marketplace, if your state has one. You can see what your options are, compare plans, and buy the plan you want. You can also find out if you qualify for federal financial assistance for your Marketplace plan.

    Plans in the Marketplace are grouped by metal levels, which are based on how you and your plan share the cost of your health care bills. For example, Platinum plans pay the highest portion of your health care bills (90%) and come with the highest price tag. Bronze plans pay 60% of your medical bills and come with a lower price tag. So, if you know you'll need care for a medical condition, you may want to shop around and check out all the Marketplace Platinum plans. If you’re pretty healthy and don't expect you'll need much care, you may want to check out all the Marketplace Bronze plans. Once you review your options, you can buy the plan that’s right for you.

    During the Open Enrollment Period, you can view, compare and apply for our individual medical plans online directly through Cigna HealthcareSM. You can also see if you are eligible for federal financial assistance and apply that aid to eligible Cigna Healthcare plans.

    You may be able to get federal financial assistance

    The Affordable Care Act also puts health insurance in reach for those who need help paying. Getting financial assistance depends on your annual household income and how many people live in your home. If you qualify, you may be able to get aid toward your Marketplace qualified health plan from the federal government.

    See if you qualify for financial assistance


  • Pre-Existing Conditions
  • Shopping for Coverage
  • Federal Aid
  • 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.

    *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 services.

    I want to...
  • Get an ID card
  • File a claim
  • View my claims and EOBs
  • Check coverage under my plan
  • See prescription drug list
  • Find an in-network doctor, dentist, or facility
  • Find a form
  • Find 1095-B tax form information
  • View the Cigna Healthcare Glossary
  • Contact Cigna Healthcare
  • Audiences
  • Individuals and Families
  • Medicare
  • Employers
  • Brokers
  • Providers
  • Secure Member Sites
  • myCigna member portal
  • Health Care Provider portal
  • Cigna for Employers
  • Client Resource Portal
  • Cigna for Brokers
  • The Cigna Group Information
  • About Cigna Healthcare
  • The Cigna Group
  • Careers
  • Newsroom
  • Investors
  • Suppliers
  • Third Party Administrators
  • International
  • Evernorth Health Services
  • Cigna Healthcare. All rights reserved.
  • Privacy
  • Terms of Use
  • Legal
  • Product Disclosures
  • Company Names
  • Customer Rights
  • Accessibility
  • Non-Discrimination Notice
  • Language Assistance [PDF]
  • Report Fraud
  • Sitemap
  • Washington Consumer Health Data Privacy Notice
  • Cookie Preferences
  • Disclaimer

    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.

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