Cigna Healthcare is a major U.S. health insurance and healthcare services provider offering coverage for individuals, families, employers and other eligible groups. Its health insurance products include individual and family coverage as well as employer-sponsored plans, with specific products and benefits varying by state and plan. Cigna's employer-sponsored portfolio includes options such as HMO, PPO, EPO, Open Access Plus and medical network plans.
For 2026, Cigna offers Individual and Family medical plans in selected states, including Arizona, Colorado, Florida, Georgia, Illinois, Indiana, Mississippi, North Carolina, Tennessee, Texas and Virginia. However, Cigna has announced that it will no longer offer Individual and Family medical plans for 2027, while its dental plans will continue beyond 2026. Customers considering coverage should therefore check current availability and enrollment eligibility before applying.
Cigna's health plans provide access to a range of healthcare services. Eligible individual and family plans can include $0 preventive care, virtual urgent care, virtual behavioral health, prescription savings and personalized health support. Employer-sponsored plans may also include mental health benefits, wellness programs, pharmacy coverage and spending-account options.
Another notable feature is Cigna's digital healthcare experience. Members can use myCigna to review coverage, access ID cards, manage claims, search for in-network providers, order or refill prescriptions and receive personalized health information. Cigna also provides 24/7 customer service and access to nurses or licensed clinicians for eligible members.
Cigna's provider networks and plan structures can differ by state and market. Some plans may require members to use in-network providers or obtain prior authorization for certain services. Premiums are also influenced by factors such as age, family size, geographic location, tobacco use, deductible, copay, coinsurance and out-of-pocket maximum.
