Cigna Health Insurance Review (2026)

Cigna offers HMO and EPO health insurance plans across several metal tiers, but its overall lineup is more limited than many competitors. The insurer doesn’t offer Platinum or Catastrophic plans. Younger or healthier shoppers seeking low-cost, minimal coverage should consider other insurers.

Cigna's plans come in two network types:

• HMO: You'll need to choose a primary care physician and get referrals for specialists. HMO plans require you to stay within Cigna's network for coverage, except in emergencies.
• EPO: These plans don't require referrals to see specialists, giving you more flexibility than HMOs. You'll still need to use in-network providers for coverage, with emergency care as the exception.

Cigna provides health insurance in 11 states, with availability and plan selection varying by location. Florida has the most plan choices with 31 options, while Mississippi offers the fewest with 10 plans. Tennessee, Colorado, Indiana and Mississippi residents can only access EPO plans, while Arizona, Georgia, Illinois, North Carolina and Texas only have HMOs. Florida stands out as the only state where Cigna provides both network types.

Cigna's premiums run higher than the national average across both of its network types. HMO plans cost $682 monthly on average, about $52 more than the national average, while EPO plans average $736 per month, or $49 above typical rates. Your out-of-pocket costs depend heavily on which metal tier you choose as well, with Bronze plans having the lowest monthly premiums but highest deductibles and maximum out-of-pocket (MOOP) limits.

HMO Bronze average $599 per month with a $5,400 deductible and $9,347 MOOP limit, while Gold HMO plans cost $741 per month but drop your deductible to $1,663 and MOOP limit to $7,178. EPO plans follow a similar pattern, with costs varying by tier. EPO Bronze plans average $582 monthly with a $5,625 deductible, while EPO Gold plans cost $802 monthly with a $1,446 deductible. Silver EPO plans offer better value than Silver HMOs, with a $2,731 deductible compared to $4,001 for HMOs and a lower MOOP limit of $5,816 versus $7,811.

Take a closer look at Cigna’s average costs, deductibles, and maximum out-of-pocket limits across different plan types and metal tiers:

Cigna has several perks and programs beyond basic health coverage to help you manage costs and access care conveniently: 

• 24/7 Virtual Care Through MDLIVE: Access board-certified doctors, licensed therapists and specialists anytime through phone or video visits for urgent care, routine checkups, mental health services and dermatology consultations. Preventive wellness screenings are covered at no additional cost.
• myCigna App and Digital ID Cards: Manage your health plan, view claims, find in-network providers and access digital ID cards all from your phone.
• Healthy Rewards Discount Program: Save up to 25% on fitness memberships, gym equipment, nutrition programs, alternative medicine services and vision products including LASIK surgery. The program isn't insurance. You pay the discounted price, but it's separate from copays and deductibles.
• Enhanced Diabetes Care Plans: Pay no more than $25 for a 30-day supply of insulin or $75 for a 90-day supply. Select Enhanced Diabetes Care plans offer $0 coverage on insulin, select diabetes medications, glucose monitors, test strips and other diabetes management supplies.
• Take Control Rewards Program: Earn up to $325 annually by completing healthy activities like annual wellness exams, health assessments and preventive screenings. Redeem points for health and fitness items, electronics, gift cards or a Visa Reward Card you can use toward healthcare costs or merchandise.
• 24/7 Customer Support: Contact Cigna's customer service team anytime for help with claims, finding providers, understanding benefits or resolving billing questions. Support is available in multiple languages through phone and the myCigna platform.

Cigna’s customer experience scores show strong member satisfaction but mixed performance when it comes to claims handling. EPO plans earn a slightly higher overall Quality Rating System (QRS) score than HMO plans (75.02 vs. 73.21), though both plan types deliver similarly positive experiences for members. Each received a high member experience score of 93.59, reflecting strong customer service and support.

Medical care quality scores are nearly identical between HMO and EPO plans, showing consistent care standards across network types. However, EPO plans outperform HMOs in plan administration, indicating fewer issues with paperwork, billing, and administrative processes.

That said, Cigna’s claim denial rates are relatively high across both options. HMO plans deny 23% of claims and EPO plans deny 24%, meaning roughly one in four claims require an appeal or additional documentation. For consumers, this points to a tradeoff of strong customer support and satisfaction but more friction when it comes to claim approvals.

Browse Cigna health insurance plans to compare coverage options by plan type, metal tier, pricing, and key benefits. Use the filters below to narrow results and find plans that best match your budget, coverage needs, and preferred network structure.

We rate the best health insurance providers based on premiums, out-of-pocket expenses, customer experience, claims denial rates and plan selection.

MoneyGeek health insurance provider scores are weighted as follows:

• Affordability (60%): When scoring providers on affordability, we considered monthly premiums, deductibles, and maximum out-of-pocket (MOOP) costs. We weighted these factors as follows within the affordability score: monthly premiums (66.67%), deductible (16.67%), MOOP (16.67%).
• Customer Experience (30%): Centers for Medicare & Medicaid Services (CMS)’s Quality Rating System (QRS) overall rating for health-insurance plans. This is a 5-star rating system used to help consumers compare health plans on the Health Insurance Marketplace. Ratings are calculated based on three main categories: Medical Care, Member Experience, and Plan Administration. Providers with the highest overall rating get the highest score
• Denial Rate (10%): Denial rate is the percentage of submitted claims or applications that are rejected instead of approved. Providers with the lowest denial rate get the highest score.

Data sources

Health insurance plan and provider data was updated with the Centers for Medicare & Medicaid Services (CMS) exchange data released in October for the 2026 enrollment period as well as manual collection of health plan data from state insurance marketplaces for 22 states.

Sample consumer profile

We collected data on all available health plans for consumers ages 18, 26, 40, 50 and 60. Monthly premiums are based on a 40-year-old buyer unless otherwise noted, such as the category for seniors. We analyzed plans for each cited metal tier, which include Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.