The Cigna Group • Est. 1792 • Bloomfield, CT
Cigna Health Insurance
3.8 / 5 — strong pharmacy, narrowing marketplace presence
Cigna is one of America's oldest insurance companies. Under its parent The Cigna Group, it has reduced its ACA marketplace footprint in recent years but remains available in select states with competitive individual plans.
Available plans
- Cigna Connect Bronze
- Cigna Connect Silver
- Cigna Connect Gold
States where Cigna offers marketplace plans
Pros & cons
Advantages
- Evernorth pharmacy benefits — strong formulary and mail-order pricing
- Global health coverage benefit for international travelers
- 24/7 virtual care through MDLIVE included on most plans
- Strong mental health and behavioral health coverage
- Established reputation for large employer plans translates to marketplace
Drawbacks
- Significantly reduced marketplace presence — only 10 states
- Not always price-competitive vs. Ambetter or regional carriers
- HMO-style networks in some markets limit specialist access
- Customer service quality has been mixed post-Evernorth merger
Best for
People who use prescription medications heavily and value a strong pharmacy benefit, or who need mental health coverage and international travel protection.
Consider alternatives if…
You're outside Cigna's 10 marketplace states, or you need the lowest possible premium — regional carriers will almost always undercut Cigna.
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Cigna's 2026 Marketplace Footprint (Real Data)
Across the 30 states in our 2026 CMS marketplace dataset, Cigna files 2,299 plan options in 7 states and 233 counties. Full-price premiums for a 40-year-old run from $404 to a median of $735 per month before subsidies, with deductibles starting around $0.
Plan types offered: EPO (1,293), HMO (1,006). Plan type determines out-of-network access, so check which types Cigna actually offers in your county rather than assuming statewide consistency.
States where Cigna files marketplace plans (2026): Arizona, Florida, Indiana, Mississippi, North Carolina, Tennessee, Texas. Availability is set county by county — presence in a state does not mean presence in your ZIP code's rating area.
Frequently Asked Questions
Which states does Cigna offer marketplace plans in for 2026?
In the 30-state CMS dataset we reviewed for 2026, Cigna files marketplace plans in 7 states: Arizona, Florida, Indiana, Mississippi, North Carolina, Tennessee, Texas. Availability is decided county by county, so operating in a state does not mean plans are offered in every county.
How much does Cigna cost per month?
Full-price Cigna premiums for a 40-year-old range from about $404 to a median near $735 per month before subsidies, based on 2026 CMS marketplace data. Premium tax credits frequently reduce the net cost substantially, and price varies by age, county rating area, and metal tier.
What plan types does Cigna offer?
Cigna's 2026 marketplace filings include EPO (1,293), HMO (1,006). Plan type governs out-of-network access and referral rules, so confirm which type is available in your county before enrolling.
Is Cigna a good choice?
It depends entirely on whether your doctors and hospital are in the specific plan's network in your county, not on the carrier's brand. Verify participation for the exact plan you are considering — carriers run multiple networks, and a carrier that is excellent in one county can be a poor fit one county over.
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