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.
Compare Plans in Your Area
Compare ACA plans from every carrier in your area. Enter your ZIP code to see plans and pricing - no contact info required.
Cigna Plus Silver Overview
| Plan Name | Deductible | Coinsurance | Out-of-Pocket Max | PCP/Specialist |
| Cigna Connect – 0 | $0 | 0% | $0 | 0% |
| Cigna Connect 0-4 | $0 | 15% | $1,700/$3,400 | $0/$25 |
| Cigna Connect 100-4 | $100/$200 | 10% | $950/$1,900 | $0/$20 |
| Cigna Connect 350-3 | $350/$700 | 35% | $2,850/$5,700 | $0/$50 |
| Cigna Connect 500-3 | $500/$1,000 | 20% | $2,850/$5,700 | $0/$50 |
| Cigna Connect 1900 | $1,900/$3,800 | 50% | $8,550/$17,100 | $25/$50 |
| Cigna Connect 2500-2 | $2,500/$5,000 | 40% | $6,500/$13,000 | $15/$50 |
| Cigna Connect 2800 | $2,800/$5,600 | 50% | $8,550/$17,100 | $25/$55 |
| Cigna Connect 3250-2 | $3,250/$6,500 | 20% | $6,500/$13,000 | $20/$50 |
| Cigna Connect 5000 | $5,000/$10,000 | 30% | $8,550/$17,100 | $25/$60 |
| Cigna Connect 5750 | $5,750/$11,500 | 50% | $8,550/$17,100 | $40/$75 |
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Cigna Connect 5750
$5,750 person / $11,500 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 otherdeductibles for specific services?
No.
What is the out-of-pocketlimit for this plan?
$8,550 Individual or $11,710 Family
What is not included in the out-of-pocket limit?
Premiums, balance-billing charges, penalties for failure toobtain preauthorization for services and health care this plandoesn’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 5000
$5,750 person / $11,500 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?
$8,550 person / $11,710 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 Plus with Northwestern Medicine 2800
$2,800 person / $5,600 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?
$8,550 person / $17,100 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 Plus with Northwestern Medicine 1900
$1,900 person/ $3,800 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?
$8,550 person / $17,100 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 Plus with Northwestern Medicine 3250-2
$3,250 person/ $6,500 family
Are there services covered before you meet your deductible?
Yes. Preventive care, office visits 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?
$6,500 person/ $13,000 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 Plus with Northwestern Medicine 500-3
$500 person/ $1000 family
Are there services covered before you meet your deductible?
Yes. Preventive care, office visits 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?
$2,850 person/ $5,700 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 0-4
$0 person/ $0 family
Are there services covered before you meet your deductible?
Yes. Preventive care, office visits subject to a copay, Urgent care visits, 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?
$1,700 person/ $3,400 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 Plus with Northwestern Medicine-0
$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 Plus with Northwestern Medicine 100-4
$100 person/ $200 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?
$950 person/ $1,900 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 Plus with Northwestern Medicine 350-3
$350 person/ $700 family
Are there services covered before you meet your deductible?
Yes. Preventive care, office visits 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?
$2,850 person/ $5,700 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 Plus with Northwestern Medicine 2500-2
$2,500 person/ $5,000 family
Are there services covered before you meet your deductible?
Yes. Preventive care, office visits 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?
$6,500 person/ $13,000 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.
