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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