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 Connect Gold Overview
| Plan Name | Cigna Connect -0 | Cigna connect 1000 |
| Deductible | $0 | $1,000/$2,000 |
| Coinsurance | 0% | 30% |
| Out-of-Pocket Maximum | $0 | $8,150/$16,300 |
| PCP/Specialist | $0 | $20/$60 |
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Cigna Connect-0
What is the overall deductible?
$0 person/ $0 family
Are there services covered before you meet your deductible?
Yes.
Are there other deductibles for specific services?
No.
What is the out-of-pocket limit for this plan?
$0 person/ $0 family
What is not included in the out-of-pocket limit?
Premiums, balance-billing charges, penalties for failure to obtain preauthorization for services and health care this plan doesn’t cover.
Will you pay less if you use a network provider?
Yes. See www.cigna.com/ifpproviders or call 1-866-494-2111 for a list of network providers.
Do you need a referral to see a specialist?
Yes.
Cigna Connect 1000
$1,000 Individual or $2,000 Family
Are there services covered before you meet your deductible?
Yes. Preventive care, office visits subject to a copayment, Prescription drugs subject to a copayment, Urgent care and eye exam/glasses for children are covered before you meet your deductible.
Are there other deductibles for specific services?
No.
What is the out-of-pocket limit for this plan?
$8,150 Individual or $16,300 Family
What is not included in the out-of-pocket limit?
Premiums, balance-billing charges, penalties for failure to obtain preauthorization for services and health care this plan doesn’t cover.
Will you pay less if you use a network provider?
Yes. See www.cigna.com/ifpproviders or call 1-866-494-2111 for a list of network providers.
Do you need a referral to see a specialist?
Yes.
