Cigna Healthcare Small Group Health Plans for Employers with 2-50 Employees

Get small business health insurance plans created with your workforce in mind.

Plans offered by Cigna Health and Life Insurance Company

We will not be offering Cigna Healthcare traditional fully insured Small Group plans in Georgia and Tennessee as of November 1, 2025.

We will continue to provide coverage for Cigna Healthcare Small Group customers and Cigna+Oscar customers through the end of each member’s active policy. If you have questions, please email SmallGroupSales@Cignahealthcare.com.

Health Insurance Plans Designed for Workforces with 2-50 Employees

Navigating health plan decisions can be challenging for small business owners. And employees may find it difficult to understand their benefits and find the right care.

With Cigna Healthcare, you get more than a plan. You get a partner with quality plan options, personalized healthcare support, and lower costs.

You and your employees will have access to benefits that can help reduce costs and deliver the care you need, when you need it.

$0 dedicated

virtual urgent care1

Estimated $250 in annual savings

per year on essential customer medications.2

Health Plan Information by State

Additional Resources

Staying in-network can help your clients lower costs.

See which drugs are covered by your plan.

Why Smaller Businesses Choose Cigna Healthcare

To meet your organization's unique needs, Cigna Healthcare designed health plans with small companies in mind, offering fully connected medical, pharmacy, and behavioral health benefits that inspire healthy outcomes.

Affordability

Our plans and programs make it easy for you to get affordable, quality care with $0 dedicated virtual urgent care1 and $0 preventive care visits.3 Many generic prescription drugs priced at $0 for most plans and access to our Patient Assurance Program.4

Network Options

You have the option of choosing large national or focused local networks. Cigna Healthcare Open Access Plus is a broader discounted national network with 1,000,000+ doctors, specialists, and other professionals, and 17,000+ hospital and clinical facilities.5 This network offers out-of-area coverage. Cigna Healthcare LocalPlus® provides a locally curated network of doctors, specialists, and hospitals that offer cost-effective medical care without sacrificing the quality employees expect.

24/7 Virtual Care

Members have 24/7 virtual access to MDLIVE’s primary care physician, dermatology and behavioral health networks for routine visits, as well as low-cost dedicated virtual urgent care and $0 virtual wellness screenings.1

Guided Customer Care

Get help from personalized health coaches to manage specific conditions like diabetes. Or speak to a specialty pharmacist at our Therapeutic Resource Centers.

Personalized Digital Tools

The myCigna® website and mobile app6 help you find quality in-network providers, order and refill prescriptions, pay claims and more. You also get data-driven alerts for health coaching, specialized care and cost savings.

24/7/365 Customer Service

Have a question about your plan? Need help finding an in-network doctor? Call anytime for help when using your plan or navigating your benefits. Plus, if you have a health question, you can speak to a licensed clinician 24 hours a day.

VIDEO

Virtual Benefits Education

Learn about the Virtual Benefits Education website. (Length: 00:02:26)

A woman uses a smartphone

Resources to Share With Your Employees

Ideal for new enrollees and employees looking for general information on how health plans work.

Informational articles and resources on a wide range of insurance and health care topics.

Getting the most from your plan. Comprehensive info for all new and existing plan holders.

View Cigna Healthcare Company Names

1 $0 virtual care (no cost share) for eligible preventive care and Dedicated Virtual Urgent Care for minor acute medical conditions. Not available for all plans. HSA plans and non-minor acute medical care may apply a copay, coinsurance or deductible. Cigna Healthcare provides access to Dedicated Virtual Care through a national telehealth provider, MDLIVE located on myCigna, as part of your health plan. Providers are solely responsible for any treatment provided to their patients.

2 Patient Assurance Program results as of August 2022. Caps contingent on adoption/availability of program, including, without limitation, availability of manufacturer value. Health benefit plans vary.

3 Availability of $0 preventive care (no cost share) by plan may vary. Includes eligible in-network preventive care services. Some preventive care services may not be covered, including most immunizations for travel. Reference plan documents for a list of covered and non-covered preventive care services.

4 Health benefit plans may be different, but in general to be eligible for coverage a drug must be approved by the Food and Drug Administration (FDA), prescribed by a health care professional, purchased from a licensed pharmacy, and be medically necessary. If your plan provides coverage for certain prescription drugs with no cost-share, you may have to use an in-network pharmacy to fill the prescription. If you use a pharmacy that does not participate in your plan’s network, your prescription may not be covered or reimbursement may be limited by your plan’s copayment, coinsurance, or deductible requirements. Look at your plan documents for more information about your plan’s prescription drug coverage. Discounts available with the Cigna Healthcare Patient Assurance Program. $25 is the maximum out-of-pocket cost for a 30-day supply.

5 Cigna Healthcare’s internal data as of May 2024. Subject to change.

6 The downloading and use of the myCigna Mobile App is subject to the terms and conditions of the App and the online store from which it is downloaded. Standard mobile phone carrier and data usage charges apply.

All Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (Bloomfield, CT) (CHLIC), Evernorth Behavioral Heath, Inc., Evernorth Care Solutions, Inc., Express Scripts, Inc. or their affiliates. Cigna Healthcare insurance coverage contains exclusions and limitations. For complete details on product availability coverage, please refer to your plan documents.

© 2025 Cigna Healthcare.