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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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DISCONTINUED: Cigna Plus Health Plans – Chicago

Cigna’s Plus Health Plans have been discontinued

Cigna’s most popular plans come in three categories, known as “metal levels”: Bronze, Silver, and Gold.

Bronze Plans

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

Best for: Individuals who want to keep premiums low or don’t plan on seeing a doctor often.

Plus Bronze & Plus CMS Standard Bronze

Plus with Northwestern Medicine Bronze 5000 Indiv Med Ded – Rx Copay – $5,000 Individual & 50% coinsurance after deductible

Plus CMS Standard Bronze

Plus Bronze CMS Standard – $7,500 Individual & 50% coinsurance after deductible

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Silver Plans

Best for: Individuals who have families and/or see doctors regularly for illnesses and accidents.

Plus Silver

Silver 3000 Indiv Med Ded – Rx Copay – $3,000 Individual & 50% coinsurance after deductible
Silver-2 2500 Indiv Med Ded – Rx Copay – $2,500 Individual & 40% coinsurance after deductible
Silver-3 350 Indiv Med Ded – Rx Copay – $350 Individual & 35% coinsurance after deductible
Silver-4 100 Indiv Med Ded – Rx Copay – $100 Individual & 10% coinsurance after deductible
Silver 5000 Indiv Med Deductible – $5,000 Individual & 40% coinsurance after deductible
Silver-2 3800 Indiv Med Deductible – $3,800 Individual & 40% coinsurance after deductible
Silver-3 700 Indiv Med Deductible – $700 Individual & 20% coinsurance after deductible
Silver-4 0 Indiv Med Deductible – $0 Individual & 15% coinsurance

Plus CMS Standard Silver

Silver CMS Standard – $5,900 Individual & 40% coinsurance after deductible
Silver-2 CMS Standard – $5,700 Individual & 40% coinsurance after deductible
Silver-3 CMS Standard – $700 Individual & 30% coinsurance after deductible
Silver-4 CMS Standard – $0 Individual & 25% coinsurance after deductible

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Gold Plans

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

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

Plus CMS Standard Gold

Plus Gold CMS Standard – Rx Copay – $1,500 Individual & 25% coinsurance after deductible

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