Chris Kissell has been a journalist for three decades and has written extensively about insurance and other personal finance topics for the past 20 years. For the last 14 years, he has been a full-time freelance writer and editor, contributing to sit.
Chris Kissell Insurance WriterChris Kissell has been a journalist for three decades and has written extensively about insurance and other personal finance topics for the past 20 years. For the last 14 years, he has been a full-time freelance writer and editor, contributing to sit.
Written By Chris Kissell Insurance WriterChris Kissell has been a journalist for three decades and has written extensively about insurance and other personal finance topics for the past 20 years. For the last 14 years, he has been a full-time freelance writer and editor, contributing to sit.
Chris Kissell Insurance WriterChris Kissell has been a journalist for three decades and has written extensively about insurance and other personal finance topics for the past 20 years. For the last 14 years, he has been a full-time freelance writer and editor, contributing to sit.
Insurance Writer Michelle Megna Lead Editor, InsuranceMichelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine.
Michelle Megna Lead Editor, InsuranceMichelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine.
Michelle Megna Lead Editor, InsuranceMichelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine.
Michelle Megna Lead Editor, InsuranceMichelle is a lead editor at Forbes Advisor. She has been a journalist for over 35 years, writing about insurance for consumers for the last decade. Prior to covering insurance, Michelle was a lifestyle reporter at the New York Daily News, a magazine.
| Lead Editor, Insurance
Updated: Aug 30, 2024, 11:07am
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Our research found that Cigna has better than average Affordable Care Act (ACA) plan rates compared to some national competitors, but the company also has cheaper than average deductibles for silver ACA plans. Its National Committee for Quality Assurance quality ratings are about average.
Our star ratings are based on a range of criteria and are determined solely by our editorial team. See our methodology for more information.
Provider network Over 1.5 million healthcare providers. Average monthly silver plan cost for 40-year-old Average deductible for silver planWhy You Can Trust Forbes Advisor
Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. You can read more about our editorial guidelines and the methodology for the ratings below.
Cigna provides health insurance coverage to millions of individuals and families in 14 states on the ACA marketplace. It has more than 1.5 million relationships with health care providers, clinics and facilities, and contracts with more than 67,000 pharmacies.
Cigna owns Express Scripts Pharmacy, which is its home delivery pharmacy. The company also offers Cigna dental insurance policies, which has over 18 million dental insurance members. Its dental provider network includes as many as 147,000 dentists at more than 740,000 locations depending on the type of dental policy.
Cigna’s ACA marketplace plans are available in:
Cigna offers two types of plans on the health insurance marketplace:
The company offers three metal tiers on the ACA marketplace. Insurers can offer bronze, silver, gold and platinum. Cigna provides bronze, silver and gold with bronze plans having the lowest premiums but the highest deductibles and out-of-pocket costs. Gold plans have the highest premiums but lowest out-of-pocket costs.
Cigna plans may offer special benefits, including:
Cigna health insurance costs an average of $449 a month for a 30-year-old with an ACA marketplace plan. That cost typically increases with age.
Source: Healthcare.gov. Based on unsubsidized ACA plans. See More See LessACA marketplace plans are divided by metal tier: bronze, silver, gold and platinum based on costs. Bronze and silver plans have the lowest premiums but the most out-of-pocket costs when you need healthcare. Platinum and gold have higher premiums but fewer out-of-pocket costs.
Bronze and silver plans are the most common type of plan, while platinum plans are fairly rare.
Source: Healthcare.gov. Based on unsubsidized ACA plans. Cigna doesn’t offer many Platinum plans, so we didn’t include those averages.
See More See LessCigna has better average ACA plan rates than some competitors. ACA plans base rates on multiple factors including your age, your state, type of plan and metal tier level.
Complaints filed with state insurance departments against Cigna for individual health insurance are higher than the industry average, but lower than some competitors. Complaint ratios reflect the number of complaints relative to an insurer’s size of business.
Other ratings for Cigna include:
Cigna received about average NCQA marks among the companies we analyzed. It has four plans that received four stars, including plans in Connecticut, Maine, Massachusetts and New Hampshire.
AM Best affirmed Cigna’s A (Excellent) Financial Strength Rating, praising its “balance sheet strength.” The rating service highlighted the company’s “strong operating performance, favorable business profile and appropriate enterprise risk management.”
We used the following factors to determine the best health insurance companies.
Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.
Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
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