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 Plus Silver Overview
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.
Plan Name
Deductible
Coinsurance
Out-of-Pocket Max
PCP/Specialist
Cigna Plus Silver 3000
$0
0%
$0
0%
Cigna Plus Silver-2 2500
$0
15%
$1,700/$3,400
$0/$25
Cigna Plus Silver-3 350
$100/$200
10%
$950/$1,900
$0/$20
Cigna Plus Silver-4 100
$350/$700
35%
$2,850/$5,700
$0/$50
Cigna Plus Silver 5000
$500/$1,000
20%
$2,850/$5,700
$0/$50
Cigna Plus Silver 2- 3800
$1,900/$3,800
50%
$8,550/$17,100
$25/$50
Cigna Plus Silver-3 700
$2,500/$5,000
40%
$6,500/$13,000
$15/$50
Cigna Plus Silver-4 0
$2,800/$5,600
50%
$8,550/$17,100
$25/$55
Cigna Plus Silver CMS standard
$3,250/$6,500
20%
$6,500/$13,000
$20/$50
Cigna Plus Silver-2 CMS Standard
$5,000/$10,000
30%
$8,550/$17,100
$25/$60
Cigna Plus Silver-3 CMS Standard
$5,750/$11,500
50%
$8,550/$17,100
$40/$75
Cigna Plus Silver-4 CMS Standard
$5,750/$11,500
50%
$8,550/$17,100
$40/$75
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