About Cigna

Cigna provides health insurance coverage to millions of individuals and families in 14 states on the ACA marketplace. It has more than 1.5 million relationships with health care providers, clinics and facilities, and contracts with more than 67,000 pharmacies.

Cigna owns Express Scripts Pharmacy, which is its home delivery pharmacy. The company also offers Cigna dental insurance policies, which has over 18 million dental insurance members. Its dental provider network includes as many as 147,000 dentists at more than 740,000 locations depending on the type of dental policy.

Cigna’s ACA marketplace plans are available in:

  • Arizona
  • Colorado
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Mississippi
  • North Carolina
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia

Types of Insurance Offered by Cigna

Beyond Affordable Care Act (ACA) plans, Cigna offers:

Types of Health Plans Available from Cigna

Cigna offers two types of plans on the health insurance marketplace:

  • HMO: A health maintenance organization (HMO) plan typically requires you to seek care from providers within the plan’s network. If you go outside the network, your care will not be covered. You also typically need a referral to see a specialist.
  • EPO: An exclusive provider organization (EPO) plan covers care that takes place within the plan’s network. Unlike with an HMO, you don’t need a referral to see a specialist.

The company offers three metal tiers on the ACA marketplace. Insurers can offer bronze, silver, gold and platinum. Cigna provides bronze, silver and gold with bronze plans having the lowest premiums but the highest deductibles and out-of-pocket costs. Gold plans have the highest premiums but lowest out-of-pocket costs.

Extra Benefits from Cigna

Cigna plans may offer special benefits, including:

  • Ability to talk to a board-certified doctor 24 hours a day via smartphone, computer or tablet
  • $3 or less for generic prescription drugs
  • $0 virtual care (telehealth) and preventive care visits
  • Customized digital alerts for health coaching, specialized care and cost savings
  • Take Control Rewards program, which rewards members for preventive exams and flu shots

How Much Do Cigna Health Insurance Plans Cost?

Cigna health insurance costs an average of $449 a month for a 30-year-old with an ACA marketplace plan. That cost typically increases with age.

Age of member Average monthly costs for a Cigna plan
Age 21
$390
Age 27
$417
Age 30
$449
Age 40
$504
Age 50
$705
Age 60
$1,066
Source: Healthcare.gov. Based on unsubsidized ACA plans.

ACA marketplace plans are divided by metal tier: bronze, silver, gold and platinum based on costs. Bronze and silver plans have the lowest premiums but the most out-of-pocket costs when you need healthcare. Platinum and gold have higher premiums but fewer out-of-pocket costs.

Bronze and silver plans are the most common type of plan, while platinum plans are fairly rare.

Average Cigna Health Insurance Cost by Metal Plan

Age of member Average monthly cost for a Cigna Bronze plan Average monthly cost for a Cigna Silver plan Average monthly cost for a Cigna Gold plan
Age 21
$332
$395
$502
Age 27
$355
$422
$537
Age 30
$382
$454
$578
Age 40
$428
$510
$648
Age 50
$600
$714
$908
Age 60
$907
$1,078
$1,372
Source: Healthcare.gov. Based on unsubsidized ACA plans. Cigna doesn’t offer many Platinum plans, so we didn’t include those averages.

How Cigna Costs Compare to Other Companies

Cigna has better average ACA plan rates than some competitors. ACA plans base rates on multiple factors including your age, your state, type of plan and metal tier level.

Average Monthly Costs for ACA Marketplace Plan by Company

Age of member Cigna cost Aetna cost Blue Cross Blue Shield cost UnitedHealthcare cost
Age 21
$390
$365
$444
$396
Age 27
$417
$382
$468
$415
Age 30
$449
$414
$506
$450
Age 40
$504
$466
$569
$506
Age 50
$705
$651
$795
$708
Age 60
$1,066
$990
$1,206
$1,076
Source: Healthcare.gov. Based on unsubsidized ACA plans.

HMOs: Average Monthly Health Insurance Costs

Company Age 30 Age 40 Age 50 Age 60
$414
$466
$651
$990
$417
$470
$657
$998
$441
$497
$694
$1,055
Cigna
$436
$491
$686
$1,043
$400
$451
$630
$957
$407
$458
$641
$974
$431
$486
$679
$1,032
Average costs are for unsubsidized plans.

EPOs: Average Monthly Health Insurance Costs

Company Age 30 Age 40 Age 50 Age 60
$413
$465
$650
$988
$432
$487
$680
$1,034
$550
$617
$864
$1,307
Cigna
$459
$513
$720
$1,084
$383
$431
$602
$915
$411
$463
$647
$983
$490
$552
$772
$1,172
Average costs are for unsubsidized plans.

Reviews & Ratings for Cigna Health Insurance

Complaints filed with state insurance departments against Cigna for individual health insurance are higher than the industry average, but lower than some competitors. Complaint ratios reflect the number of complaints relative to an insurer’s size of business.

Other ratings for Cigna include:

  • Average National Committee for Quality Assurance rating: 3.2 out of 5 stars
  • AM Best financial strength: A (Excellent)

Cigna received about average NCQA marks among the companies we analyzed. It has four plans that received four stars, including plans in Connecticut, Maine, Massachusetts and New Hampshire.

AM Best affirmed Cigna’s A (Excellent) Financial Strength Rating, praising its “balance sheet strength.” The rating service highlighted the company’s “strong operating performance, favorable business profile and appropriate enterprise risk management.”

Methodology

We used the following factors to determine the best health insurance companies.

  • Complaints made to state insurance departments (30% of score): We used complaint data from the National Association of Insurance Commissioners.
  • Plan ratings from the National Committee for Quality Assurance (30% of score): The National Committee for Quality Assurance is an independent, nonprofit organization that accredits health plans and produces ratings based on specific metrics.
  • Average silver plan deductible (20% of score): The deductible is how much you have to pay for healthcare services in a year before the health plan begins picking up a portion of the costs.
  • Breadth of health plans (10% of score): Health insurance companies may offer up to four types of plan benefit designs (PPO, HMO, EPO and POS).
  • Metal tier offerings (10% of score): We gave points to companies offering more metal tiers. The ACA marketplace has four metal tier levels.

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