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Important: Cigna is leaving the individual ACA market in 2027

On April 30, 2026, Cigna announced it will stop offering individual and family ACA plans as of January 1, 2027. This affects all 11 states where Cigna sells individual coverage, including Illinois.

Existing Cigna coverage stays in force through December 31, 2026. If you have a Cigna individual plan, you will need to pick a different carrier for 2027, so plan to choose a new plan during Open Enrollment to avoid a gap on January 1.

The plan details on this page describe 2026 coverage. Enter your ZIP code below to compare what is available in your area.

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Cigna CMS Standard Health Plans

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Cigna CMS Standard Illinois Plans 2026 

Cigna’s CMS Standard lineup follows federal, standardized benefit designs to make shopping and comparing easier. These plans are available on the Marketplace across DuPage, Grundy, Kane, Kankakee, Kendall, Lake & Will counties.

Not CSR plans: CMS Standard plans aren’t income-based CSR variations. They’re standardized designs available to everyone on-exchange. (Your separate Silver CSR variants live under the non-standard Connect Silver page.)

Bronze Plans

Premium Costs: $ | Out-of-Pocket Expenses: $$$

Best for: Bronze plans usually have the lowest monthly premiums but the highest costs when you get care. These plans are good for individuals that usually use few medical services, don’t see a doctor often, and mostly want protection from very high costs if they get seriously sick or injured. 

  • Connect Bronze CMS Standard
    • $7,500 Individual Deductible?• 50% Coinsurance after deductible
    • $50 PCP / $100 Specialist (deductible waived)
    • OOP Max: $9,200 / $18,400 (Indiv/Family)

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Silver Plans

The first batch of Silver Connect plans that are standard on-exchange options available statewide

Premium Costs: $$ | Out-of-Pocket Expenses: $$

Best for: Silver plans usually fall in the middle, where you pay moderate monthly premiums and moderate costs when you need care. These plans are good for individuals who have families and/or see doctors regularly for illnesses and accidents.

Connect Silver CMS Standard
• $5,000 Individual Deductible?• 40% Coinsurance after deductible
• $40 PCP / $80 Specialist?• OOP Max: $8,000 / $16,00

Connect Silver-2 CMS Standard
• $3,000 Individual Deductible?• 40% Coinsurance after deductible
• $40 PCP / $80 Specialist?• OOP Max: $6,400 / $12,800

Connect Silver-3 CMS Standard
• $500 Individual Deductible?• 30% Coinsurance after deductible
• $20 PCP / $40 Specialist?• OOP Max: $3,000 / $6,000 

Connect Silver-4 CMS Standard
• $0 Deductible?• 25% Coinsurance
• $0 PCP / $10 Specialist?• OOP Max: $2,000 / $4,000

Quick Plan comparison:

Plan Name Silver CMS Std Silver-2 CMS Std Silver-3 CMS Std Silver-4 CMS Std
Deductible $5,000/ $10,000 $3,000 / $6,000 $500 / $1,000 $0 / $0
Coinsurance 40% 40% 30% 25%
Out-Of-Pocket Max $8,000 / $16,000 $6,400 / $12,800 $3,000 / $6,000 $2,000 / $4,000
PCP / Specialist $40 / $80 $40 / $80 $20 / $40 $0 / $10
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1 Gold Plan

Premium Costs: $$$ | Out-of-Pocket Expenses: $

Best for: Individuals who see their doctors frequently and take multiple prescription medicines.

Connect Gold CMS Standard – Rx Copay
• $1,500 Individual Deductible?• 25% Coinsurance after deductible
• $30 PCP / $60 Specialist?• OOP Max: $8,700 / $17,400

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