Health Insurance Plans for Individuals and Families | Cigna
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Affordable Health Insurance Plans

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

Call us at 1 (855) 877-6341,
8:00 am - 8:00 pm, ET, Monday - Friday.
Or, get a free online quote

Special Enrollment Period

If you recently lost your job and your health insurance coverage due to the Coronavirus (COVID-19) 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 be eligible to financially qualify for both a premium tax credit and a cost sharing reduction, to help reduce 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 2020 health plans and apply.

Licensed agents are available to help you choose a plan and apply.
Call us at 1 (866) 438-2446, 8 am – 8 pm, ET, Monday – Friday.

Contact me about Individual and Family plans

Cigna offers individual health insurance plans in AZ, CO, FL, IL, KS, MO, NC, TN, UT, and VA.

Open Enrollment Period for the 2021 plan year begins on November 1, 2020.

See the health plans and benefits Cigna offers in your area:

Last year, consumers saved an average of $539* toward their monthly health plan premium.

Low Monthly Premiums

4 out of 5 people qualify for federal premium subsidies to lower their monthly premium cost.1

Affordable Copays

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

$0 Preventive Care

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

Video Transcript for “Cost Matters. We agree.”

Quality Care and Coverage

Choose from In-Network Doctors and Hospitals and Save

Choosing a provider in the Cigna Connect Network helps you spend less and get quality care. Our directory makes it easy to find providers.

 

24/7/365 Customer Service

We’re here to help any time, day or night – online or over the phone.

 

Access Your Benefits Anytime, Anywhere

The myCigna® website and mobile app let you search in-network providers, estimate costs, view claims, and more, even on-the-go.

 

Experience You Trust

Cigna is trusted by over 165 million customers, and has been for over 225 years.**

 

The Cigna Difference

Save on Insulin Costs

Pay no more than $25 out-of-pocket cost for a 30-day supply of covered, eligible insulin with all Cigna individual and family health insurance plans.3

$0 Virtual Care4

You can connect to a board-certified doctor by phone or video chat anytime, day or night.

Cigna Individual and Family Health Insurance Information

Summary of Benefits and Coverage and important state policy disclosures.

2020 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. Are you protected when an unexpected illness or accident happens?

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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.

*If you qualify for federal financial aid and purchase a QHP. Health Insurance Exchanges 2019 Open Enrollment Report https://www.cms.gov/newsroom/fact-sheets/health-insurance-exchanges-2019-open-enrollment-report

**Cigna’s 2018 Annual Report

1Early 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

2Plans 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.

3Discounts available with the Cigna Patient Assurance Program. $25 is the maximum out-of-pocket cost for a 30-day supply of covered, eligible insulin.

4$0 Virtual Care (telehealth) benefit not available for all plans in AZ and CO. Some plans may apply a copay, coinsurance or deductible. Virtual Care (Telehealth) providers participating in the Cigna Virtual care (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. Cigna Virtual Care (Telehealth) Connection does not guarantee that a prescription will be written. Refer to plan documents for a complete description of telehealth services and costs, including other Virtual Care (telehealth/telemedicine) benefits.