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 Colorado.
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.
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This applies to individual and family ACA medical plans only. Cigna group, dental, vision and Medicare products are not part of this announcement.
Cigna, Colorado Health Plans
Cigna is a global health service company dedicated to helping people improve their health, well-being and sense of security. As one of Colorado's top individual health insurance carriers, Cigna offers flexible PPO plans with access to one of the largest provider networks in the state.
Adams, Arapahoe, Broomfield, Denver, Douglas, Jefferson
Coast-to-Coast Coverage
Cigna medical plans offer the freedom to use health care professionals in the LocalPlus® Network. When outside the LocalPlus service areas, you get in-network access through the Open Access Plus Network, coverage wherever you go.
Why Choose Cigna in Colorado?
- Access to 1.5 million+ providers nationwide through Open Access Plus
- No referrals needed to see specialists
- Virtual care available 24/7 through MDLive
- Prescription drug coverage on all plans
- Preventive care covered at 100% in-network
- Mental health and substance use benefits included
Cigna Plan Types Available
Lower premiums using in-network providers in your local area.
Nationwide access to 1.5M+ providers: no referrals needed.
High-deductible plans that pair with a Health Savings Account.
Bundle dental and vision alongside your Cigna medical plan.
| Silver 3800/80 | Silver HSA | Silver 2500/80/Copay 35 | Silver 2400/80 | Silver 2000/70 | Silver 3500/80 | Silver 5200/80 | |
| Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. - In Network(Single/Family) | $3,800/$7,600 | $3,000/$6,000 | $2,500/$5,000 | $2,400/$4,800 | $2,000/$4,000 | $3,500/$7,000 | $5,200/$10,400 |
| Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim.- Out of Network (Single/Family) | $11,400/$22,800 | $9,000/$18,000 | $7,500/$15,000 | $7,200/$14,400 | $6,000/$12,000 | $10,500/$21,000 | $15,600/$31,210 |
| Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services - In Network(Single/Family) | $7,150/$14,300 | $5,600/$11,200 | $7,150/$14,300 | $7,150/$14,300 | $7,000/$14,000 | $7,150/$14,300 | $7,150/$14,300 |
| Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services - Out of Network(Single/Family) | $21,450/$42,900 | $16,800/$33,600 | $21,450/$42,900 | $21,450/$42,900 | $21,000/$42,000 | $21,450/$42,900 | $21,450/$42,900 |
| CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max - In Network | 20% | 20% | 20% | 20% | 30% | 20% | 20% |
| CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max - Out of Network | 50% | ||||||
| PCP (In Network) | $35 Copay | Ded/Coins | $35 Copay | Ded/Coins | Ded/Coins | $30 Copay | $50 Copay |
| Specialist (In Network) | $60 Copay | Ded/Coins | $75 Copay | Ded/Coins | Ded/Coins | $65 Copay | $80 Copay |
| Urgent Care (In Network) | $50 Copay | Ded/Coins | $50 Copay | Ded/Coins | Ded/Coins | $75 Copay | Ded/Coins |
| Aurora Quickcare/Bellin Fastcare | $15 Copay | Ded/Coins | $15 Copay | Ded/Coins | Ded/Coins | $30 Copay | $15 Copay |
| Emergency Room (In- & Out-of-Network) | $300 Copay | Ded/Coins | $300 Copay | Ded/Coins | Ded/Coins | Deductible; then $400 | Ded/Coins; then $300 |
| CGHC Doctor Line | $0 for 3; then $35 | $40 | $0 for 3; then $35 | $0 for 3; then $40 | $0 for 3; then $40 | $0 for 3; then $30 | $0 for 3; then $40 |
| In-Network Preventative Care | $0 | ||||||
| Prescription Drugs (Tier 1) | $25 Copay | Ded/Coins | $25 Copay | Ded/Coins | $10 Copay | $15 Copay | $10 Copay |
| Prescription Drugs (Tier 2) | $55 Copay | Ded/Coins | $65 Copay | Ded/Coins | Ded/Coins | $50 Copay | Deductible; then $75 |
| Prescription Drugs (Tier 3) | $75 Copay | Ded/Coins | $75 Copay | Ded/Coins | Ded/Coins | $100 Copay | Deductible; then $75 |
| Prescription Drugs (Specialty) | Ded/Coins | Ded/Coins | Ded/Coins | Ded/Coins | Ded/Coins | 40% Coins; then Deductible | Ded/Coins |
| Gold 1000/90 | |
| Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. - In Network(Single/Family) | $1,000/$2,000 |
| Deductiblea specified amount of money that the insured must pay before an insurance company will pay a claim. - Out of Network(Single/Family) | $3,000/$6,000 |
| Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services - In Network(Single/Family) | $7,150/$14,300 |
| Out-of-Pocket MaximumAn out-of-pocket maximum is the most you'll have to pay during a policy period (usually a year) for health care services - Out of Network(Single/Family) | $21,450/$42,500 |
| CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max - In Network | 10% |
| CoinsuranceWhat % you pay after your deductible has been met and before your out of pocket max - Out of Network | 40% |
| PCP (In Network) | $35 Copay |
| Specialist (In Network) | $60 Copay |
| Urgent Care (In Network) | $50 Copay |
| Aurora Quickcare/Bellin Fastcare | $15 Copay |
| Emergency Room (In- & Out-of-Network) | $300 Copay |
| CGHC Doctor Line | $0 for 3; then $35 |
| In-Network Preventative Care | $0 |
| Prescription Drugs (Tier 1) | $10 Copay |
| Prescription Drugs (Tier 2) | $45 Copay |
| Prescription Drugs (Tier 3) | $75 Copay |
| Prescription Drugs (Specialty) | Ded/Coins |
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Cigna Colorado Hospitals
Contact Us
New Enrollments Phone: (855) 847-7020 Email: help@ihealthagents.com
2027 Cigna plans & member ratings
Cigna sells individual plans in Colorado for 2026 on its Cigna Connect EPO network, including state-standardized Colorado Option plans. Important: Cigna is leaving the Colorado individual market after 2026: these plans cover through December 31, 2026, and members will choose a new carrier for 2027. Deductible and out-of-pocket figures are single/individual values; premiums vary by age and county.
Cigna Connect Colorado Option Gold
State-standardized Gold EPO on the Cigna Connect network.
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Rate all four categories (Cost, Plan Value, Customer Service and Network Size) to unlock submit. Comment optional. A first name or county are shown with your review; leave them blank to stay anonymous.
Baseline: 3 / 5: seeded from CMS quality ratings and public member reviews; updates as visitor ratings come in.
Cigna Connect Colorado Option SilverPopular
State-standardized Silver EPO; best value with subsidies.
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Baseline: 3.1 / 5: seeded from CMS quality ratings and public member reviews; updates as visitor ratings come in.
Cigna Connect Flex Silver 6000
Non-standard Silver EPO with a $6,000 deductible.
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Rate all four categories (Cost, Plan Value, Customer Service and Network Size) to unlock submit. Comment optional. A first name or county are shown with your review; leave them blank to stay anonymous.
Baseline: 3.1 / 5: seeded from CMS quality ratings and public member reviews; updates as visitor ratings come in.
Cigna Connect HSA Bronze 6500HSA-eligible
HSA-qualified Bronze EPO for pairing with a health savings account.
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Rate all four categories (Cost, Plan Value, Customer Service and Network Size) to unlock submit. Comment optional. A first name or county are shown with your review; leave them blank to stay anonymous.
Baseline: 3.2 / 5: seeded from CMS quality ratings and public member reviews; updates as visitor ratings come in.
Cigna Connect Colorado Option BronzeLowest premium
State-standardized Bronze EPO for a lower monthly premium.
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Rate all four categories (Cost, Plan Value, Customer Service and Network Size) to unlock submit. Comment optional. A first name or county are shown with your review; leave them blank to stay anonymous.
Baseline: 3.1 / 5: seeded from CMS quality ratings and public member reviews; updates as visitor ratings come in.
Colorado individual-market rate history
| Plan year | CO individual market (avg approved) |
|---|---|
| 2019 | +5.6% |
| 2020 | -20.0% |
| 2021 | -1.4% |
| 2022 | +1.1% |
| 2023 | +10.4% |
| 2024 | +9.7% |
| 2025 | +5.6% |
| 2026 | +21.2% |
| 2027 (approx.) | ~+11% |
Sources: Colorado Division of Insurance (doi.colorado.gov) and Connect for Health Colorado / ACA Signups CO summaries. Colorado Option plan deductibles and out-of-pocket maximums are set by the state and are identical across carriers for each metal tier. The column shows the Colorado individual-market average approved change; Colorado did not publish a verified per-carrier figure we could cite.
Cigna is exiting Colorado after 2026: plan ahead.
A Cigna plan works for 2026, but you will need to pick a new carrier for 2027. A licensed agent can set you up now and make the 2027 switch simple, comparing every Connect for Health Colorado carrier at your ZIP, free. Call (855) 847-7020.
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