Cigna Individual and Family Health Insurance Plans

Plans insured by Cigna Health and Life Insurance Company or its affiliates:

Cigna Individual and Family Health Insurance Plans

3 out of 4 Cigna members receive federal premium subsidies and nearly half of those pay less than $100/month for their individual health insurance plan.1

To get started:
Call 1 (866) 438-2446 , 8 am – 10 pm, ET, Monday – Friday, 9 am – 5 pm, ET, Saturday and Sunday, or

Renew Your Plan

A man and a woman explore their health insurance information on their laptop.

Cigna offers more savings for 2021 Open Enrollment

Thank you for choosing Cigna this year. It’s now Open Enrollment for 2021 coverage. You can re-enroll in a Cigna Individual and Family Health Insurance Plan anytime between November 1 – December 15, 2020.2

When you’re planning your 2021 Cigna health insurance coverage, there are important things to consider. If you’ve had any life changes, it may affect the amount of financial assistance you receive. Or, there may be other Cigna plans that better fit your immediate needs.

If you do not have financial assistance or know you don’t qualify, shop for 2021 Cigna plans.

No matter what Cigna plan you choose, we’ll help you save:

$0 Virtual Care (Telehealth)

Connect to a board-certified doctor by phone or video chat, day or night, with no additional out-of-pocket cost.3

$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.4

No Referrals Needed

A referral isn’t needed to see a specialist in most states, however your Primary Care Physician (PCP) can help you find the right in-network specialist.5

Connect with us 24/7/365

Speak with a doctor, nurse, or customer service representative, on the phone or online, anytime.

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

Access Your Benefits Anytime, Anywhere

The myCigna® website and mobile app lets you easily search in-network providers, estimate out-of-pocket costs, view prescriptions, and more.6

Proactive, Personalized Support

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

Earn Rewards7

With the Take Control Rewards program, you earn points by completing certain healthy actions like scheduling your preventive care exam.

Save on Diabetes-Related Costs

Pay no more than $25 out-of-pocket cost for a 30-day supply of covered, eligible insulin.8 Plus, our new Diabetes Care plans offer many additional benefits with $0 out-of-pocket cost.

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 currently offer. You can view 2021 plans on November 1, 2020.


Notice: 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.

1Health 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. Subsidies based on internal data for 2020.

2Open Enrollment in Colorado runs from November 1, 2020 - January 15, 2021.

3Cigna 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.

4Plans 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.

5Referrals are required for customers in Illinois.

6The 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.

7Take Control Rewards not available in all states.

8Discounts available with the Cigna Patient Assurance Program. $25 is the maximum out-of-pocket cost for a 30-day supply of covered, eligible insulin.