Cigna Health Insurance Review (2026)

Cigna has 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 who want low-cost, minimal coverage should compare 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. Coverage is limited to Cigna's network, except in emergencies.
• EPO: You don't need referrals to see specialists, and you can see any in-network provider without coordinating through a primary care physician. Emergency coverage applies regardless of network.

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 plans average $599 per month with a $5,400 deductible and $9,347 out-of-pocket maximum. Gold HMO plans cost $741 per month; the deductible drops to $1,663 and the out-of-pocket maximum to $7,178.

EPO Bronze plans average $582 per month with a $5,625 deductible. Gold EPO plans cost $802 per month with a $1,446 deductible. Silver EPO plans are the better pick over Silver HMOs: the deductible is $2,731 versus $4,001, and the out-of-pocket maximum is $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 uneven claims handling. EPO plans earn a slightly higher overall Quality Rating System (QRS) score than HMO plans, 75.02 versus 73.21,  but both plan types received a member experience score of 93.59.

Medical care quality scores are nearly identical between HMO and EPO plans. EPO plans do score higher on plan administration, with fewer reported issues around billing and paperwork.

Cigna's claim denial rates are high for both plan types: 23% for HMOs and 24% for EPOs. That's above the national average and means roughly one in four claims needs follow-up. Strong member satisfaction scores don't extend to claims handling.

Use the filters below to compare Cigna plans by type, metal tier, price and network. Select the options that fit your budget and coverage needs.

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%): Monthly premiums account for 66.67% of this score, with deductibles and MOOP each weighted at 16.67%.
• Customer Experience (30%): Based on the Centers for Medicare & Medicaid Services (CMS) Quality Rating System (QRS), a 5-star rating that scores plans across three categories: Medical Care, Member Experience and Plan Administration.
• Denial Rate (10%): The percentage of submitted claims rejected rather than approved. Lower denial rates receive higher scores.

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.