Big-network PPO coverage on the nationwide Cigna PPO network for sole proprietors, self-employed professionals, small business owners and their families. See the doctors and hospitals you choose, with no referrals needed.
Check If I Qualify →📞 (800) 939-3330
Plans use the Cigna PPO network, one of the largest PPO networks in the country.
Employer-level PPO coverage, available to individuals and families through a qualifying employer group arrangement.
Access one of the country's largest PPO networks, at home and when you travel.
Checkups, screenings and immunizations at no cost in network.
See a doctor by phone or video at no charge on every plan.
From an HSA-qualified plan to low-deductible copay plans.
Qualifies as Minimum Essential Coverage and meets Minimum Value standards.
Cigna Dental add-on with no waiting periods and no annual maximum.
These aren't short-term medical plans and they aren't Marketplace plans. Here's what makes them different.
These are self-funded ERISA employer group health plans, the same kind of arrangement many large employers use for their own workers. They use the Cigna PPO network, and a national third-party administrator handles claims and member service.
Because they're not Marketplace (ACA) plans, premiums aren't tied to your income, and there's no subsidy to repay at tax time if your business has a good year. Tax-credit subsidies don't apply. Learn more about how private PPO employer arrangements work.
A short 10-question medical questionnaire is part of the application, and acceptance isn't guaranteed. People in average health, including conditions managed mostly with medication, are often a good fit.
In-network benefits for the 2027 plan year. You pay the amounts shown. No enrollment or platform fees.
| Plan | HSA 8500 | Bronze | HSA 6000 | Silver | Diamond | Gold | Platinum |
|---|---|---|---|---|---|---|---|
| Often best for | Lowest premium, tax-free HSA | Low premium, copays for visits | Pairing with a tax-free HSA | Balance of cost and coverage | No deductible, flat copays | Lower deductible, low copays | Lowest out-of-pocket |
| Your costs for the year | |||||||
| Deductible (indiv. / family) | $8,500 / $17,000 | $8,000 / $16,000 | $6,000 / $12,000 | $5,000 / $10,000 | $0 | $3,000 / $6,000 | $250 / $500 |
| Coinsurance (you pay) | 0% | 30% | 30% | 30% | 30% | 20% | 20% |
| Out-of-pocket max (indiv. / family) | $8,500 / $17,000 | $8,700 / $17,400 | $7,000 / $14,000 | $8,700 / $17,400 | $6,000 / $12,000 | $8,700 / $17,400 | $1,250 / $2,500 |
| Doctor visits | |||||||
| Preventive care | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Primary care | 0% after deductible | $50 | 30% after deductible | $40 | $25 | $35 | $25 |
| Specialist | 0% after deductible | $120 | 30% after deductible | $80 | $50 | $55 | $45 |
| Urgent care | 0% after deductible | $100 | 30% after deductible | $60 | $50 | $55 | $45 |
| Bigger care | |||||||
| Emergency room | 0% after deductible | $500 copay + 30% after deductible | 30% after deductible | 30% after deductible | 30% | $500 copay | 20% after deductible |
| Labs, imaging, surgery & hospital | 0% after deductible | 30% after deductible | 30% after deductible | 30% after deductible | 30% | 20% after deductible | 20% after deductible |
| Prescriptions | |||||||
| Generic / brand / non-preferred | 0% after deductible | $0 / $35 / $75 | After deductible: 0% / 25% / 45% | $0 / $35 / $75 | $0 / $35 / $75 | $0 / $35 / $75 | $0 / $35 / $75 |
| HSA-qualified | Yes | No | Yes | No | No | No | No |
Out-of-network benefits have their own, higher deductibles and out-of-pocket limits. Benefits must be confirmed before you enroll; the plan document governs.
Many shoppers compare both. Here's how they differ.
In active treatment for a major condition, or earning within the subsidy range? A Marketplace plan may be the better fit. We'll compare both side by side for you, including Covered California in CA.
Need implants or crowns soon? See our dental insurance for major work with no waiting period.
A short health questionnaire for everyone on the application confirms eligibility.
Call or book a time. We'll check that your doctors and hospitals are in the Cigna PPO network before you apply.
See Gold, Silver, Bronze, HSA and more, priced for your household.
Answered "yes" to a health question? Give us a call. We may have other private PPO medical plan options that work for you.
The Cigna PPO network is nationwide, so these plans work the same way in every state we serve. Here's how they fit where you live.
A private alternative to Covered California for households that earn too much for subsidies or want a broad PPO instead of a regional HMO. We compare both for you in Los Angeles, San Diego, the Bay Area and statewide.
Popular with self-employed Texans and small business owners in Houston, Dallas–Fort Worth, Austin and San Antonio who want a nationwide PPO instead of a narrow HealthCare.gov network.
A PPO option for Phoenix-area and Tucson families and early retirees who are priced out of Marketplace subsidies or travel often between states.
Nationwide PPO access for Floridians in Miami, Tampa, Orlando and Jacksonville, a strong fit for snowbirds and anyone splitting time between states.
An alternative to HealthCare.gov plans for Ohio households in Columbus, Cleveland and Cincinnati who want PPO freedom and copays for everyday visits.
For self-employed and small business households in Detroit, Grand Rapids and across Michigan comparing a private PPO with Marketplace coverage.
Many Pennsylvanians don't qualify for Pennie subsidies. A Cigna PPO plan can cost less in Philadelphia, Pittsburgh and Harrisburg–Lancaster, and we can quote Pennie plans side by side.
A nationwide PPO for Iowa farm families, business owners and self-employed residents in Des Moines, Cedar Rapids and Davenport.
An employer-level PPO option for New York sole proprietors and small business owners comparing against NY State of Health plans.
For New Jersey self-employed professionals and small business owners who want a nationwide PPO instead of a Get Covered New Jersey plan.
A PPO alternative for Tennessee households in Nashville, Memphis, Knoxville and Chattanooga who earn too much for HealthCare.gov subsidies.
Nationwide PPO coverage for Louisiana business owners and families in New Orleans, Baton Rouge, Lafayette and Shreveport.
A private PPO option for Mississippi households in Jackson, the Gulf Coast and statewide who are priced out of Marketplace coverage.
For Alabama self-employed residents and small business owners in Birmingham, Huntsville, Mobile and Montgomery who want a nationwide PPO.
A PPO alternative to BeWell plans for New Mexico households in Albuquerque, Santa Fe and Las Cruces who earn above the subsidy range.
A nationwide PPO for Omaha, Lincoln and rural Nebraska households, a good fit for anyone who travels or crosses state lines for care.
Live in another state? Cigna PPO plans are available nationwide. Check if you qualify or browse private health insurance by state.
Yes, if you qualify through an eligible employer arrangement. Sole proprietors, self-employed individuals and small business owners can enroll themselves and their families, and employees can enroll through their employer.
Yes. They're ACA-compliant ERISA employer group health plans that qualify as Minimum Essential Coverage and meet Minimum Value standards. They're not sold on the ACA Marketplace, so premium tax credits don't apply.
No. These are self-funded ERISA employer group health plans, not short-term limited-duration plans. They include $0 preventive care, prescription coverage and an annual out-of-pocket maximum.
No. Cigna provides the PPO network only and isn't the plan sponsor, insurer or administrator. A national third-party administrator handles claims and member service.
Give us your doctors and hospitals and we'll check them for you before you apply. You can also search the Cigna PPO provider directory at hcpdirectory.cigna.com. Always confirm a provider's participation before receiving care.
Yes. A short 10-question medical questionnaire covers everyone on the application, and acceptance isn't guaranteed. People in average health, including conditions managed mostly with medication, are often a good fit.
Yes. The HSA 6000 plan is HSA-qualified, and an HSA 8500 plan is also available, so you can pair your coverage with a tax-advantaged Health Savings Account.
The Cigna PPO network is nationwide. We help clients in California, Texas, Arizona, Florida, Ohio, Michigan, Pennsylvania, Iowa, New York, New Jersey, Tennessee, Louisiana, Mississippi, Alabama, New Mexico, Nebraska and most other states.
Yes. In California you can choose a Cigna PPO network plan instead of a Covered California plan, and in Texas instead of a HealthCare.gov plan. We compare both so you can see which costs less for your household.
No. Prices are based on age, location and household, not income, so there's no subsidy reconciliation at tax time.
Talk with a real licensed advisor, not a bot or call center. We'll check your doctors, compare every plan and show you real prices for your household. No cost, no obligation.
Check If I Qualify →Book a Call📞 (800) 939-3330Insure Health Plans | Compare Healthcare Insurance Center — National Producer License # 2764713, CA Ins. Lic. # 0G03485. This page is a summary for educational purposes only and is not a contract or guarantee of coverage. Plans are self-funded ERISA employer group health plans that use the Cigna PPO network, not short-term limited-duration plans. Cigna is the network only and is not the plan sponsor, insurer or administrator of these plans; provider participation should be confirmed before receiving care. Eligibility, medical underwriting, benefits, exclusions and limitations are governed by the plan document, and acceptance is not guaranteed. Benefits shown are for the 2027 plan year. These plans are not offered through the Health Insurance Marketplace and do not qualify for premium tax credits. We are an independent insurance agency, not connected with or endorsed by the U.S. government, HealthCare.gov or Covered California.
