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

Shopping for your own coverage? Open Enrollment is here and runs until Jan. 15 in most states. Cigna's plans come with $0 preventive care, $0 virtual care (telehealth), personalized digital tools, and 24/7/365 service and support.

To get started, call 1 (866) 438-2446

Monday - Friday: 8 am - 10 pm ET

Renew Your Plan

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Zero In on more savings and benefits! Renew your Cigna Health Plan for 2023! Open Enrollment is happening now.

Thank you for choosing Cigna in 2022. It’s now Open Enrollment for 2023 coverage. You can re-enroll in a Cigna Individual and Family Health Insurance Plan any time between November 1, 2022 - January 15, 2022. Remember, if you want coverage starting on January 1, 2023, you need to enroll by December 15, 2022. If you enroll December 16, 2022, through January 15, 2023, your coverage will start on February 1, 2023.

When you’re reviewing your 2023 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 and budget. 

Why choose Cigna?


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.

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

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.

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.

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 Take Control Rewards® program.5 Enjoy additional benefits with Cigna’s Healthy Rewards® discount program.

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.

Health Plans by State

Cigna offers Individual and Family Health Insurance Plans in AZ, CO, FL, GA, IL, IN, KS, MO, MS, NC, PA, SC, TN, TX, UT, and VA.

Select your state to see the plans we currently offer. You can view 2023 plans on November 1, 2022.


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 (no cost share) 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.

3 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.

4 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.