Cigna Connect Health Plans

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Cigna Connect Illinois Plans 2026 

Cigna Connect offers affordable ACA Marketplace plans with strong Illinois hospital networks, $0 virtual care, and chronic condition support like myHeartCare (cardiac), 9am Health Diabetes Care, and Visana Women’s Health.
Counties Covered: Cook, DuPage, Grundy, Kane, Kankakee, Kendall, Lake & Will

Bronze Plans

Premium Costs: $ | Out-of-Pocket Expenses: $$$

Best for: Bronze plans usually have the lowest monthly premiums but the highest costs when you get care. These plans are good for individuals that usually use few medical services, don’t see a doctor often, and mostly want protection from very high costs if they get seriously sick or injured. 

  • Connect Bronze 5200 – Rx Copay
    • $5,200 Individual Deductible • 50% Coinsurance after deductible
    • $50 PCP / $110 Specialist (deductible waived)

  • Connect Bronze 2250
    • $2,250 Individual Deductible • 50% Coinsurance after deductible
    • $2,500 per inpatient day (first 3 days, then $0)

  • Connect Bronze 7000 HSA
    • $7,000 Individual Deductible • 50% Coinsurance after deductible
    • HSA-eligible option for those who prefer saving pre-tax

Quick Plan comparison:

Plan Name Connect Bronze 5200 Rx Copay Connect Bronze 2250 Connect Bronze 7000 HSA
Deductible $5,200 / $10,400 $2,250 / $4,500 (medical)* $7,000 / $14,000
Coinsurance 50% 50% 50%
Out-of-Pocket Maximum $10,150 / $20,300 $10,150 / $20,300 $8,300 / $16,600
PCP/Specialist $50 / $110 $45 / $115 50% after deductible

Silver Plans

The first batch of Silver Connect plans that are standard on-exchange options available statewide

Premium Costs: $$ | Out-of-Pocket Expenses: $$

Best for: 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.

Connect Silver 3200 – Rx Copay
• $3,200 Individual Deductible • 50% Coinsurance after deductible
• $10 PCP / $85 Specialist

Connect Silver 6500
• $6,500 Deductible • 40% Coinsurance after deductible
• $5 PCP / $85 Specialist

Quick Plan comparison:

Plan Name Connect Silver 3200
Connect Silver 6500
Deductible $3,200 / $6,400 $6,500 / $13,000
Coinsurance 50% 40%
Out-Of-Pocket Max $9,500 / $19,000 $9,500 / $19,000
PCP / Specialist

$10 / $85

$5 / $85

Silver Plans - OFF exchange

A third batch of silver plans that have similar benefit structures (50% coinsurance, $2,500–$3,500 deductible), but are specifically for off-exchange markets

Premium Costs: $$ | Out-of-Pocket Expenses: $$

Best for: 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.

Connect Silver 2500 (Off)
• $2,500 Deductible • 50% Coinsurance after deductible
• $25 PCP / $80 Specialist

Connect Silver 3500 (Off)
• $3,500 Deductible • 50% Coinsurance after deductible
• $30 PCP / $75 Specialist

Quick Plan comparison:

Plan Name Connect Silver 2500 (Off) Connect Silver 3500 (Off)
Deductible

$2,500 / $5,000

$3,500 / $7,000
Coinsurance 50% 50%
Out-Of-Pocket Max $9,200 / $18,400 $10,150 / $20,300
PCP / Specialist

$25 / $80

$30 / $75

1 Gold Plan

Premium Costs: $$$ | Out-of-Pocket Expenses: $

Best for: Individuals who see their doctors frequently and take multiple prescription medicines.

Connect Gold 1500
• $1,500 Deductible • 20% Coinsurance after deductible
• $25 PCP / $75 Specialist

Connect Gold 2250
• $2,250 Deductible • 25% Coinsurance after deductible
• $0 PCP / $50 Specialist

Connect myHeartCare Gold 💓
• $750 Deductible • 20% Coinsurance after deductible
• Includes Heartbeat Health® virtual cardiac care + $0 cardiac medications

Quick Plan Comparison

Plan Name

Connect Gold 1500

Connect Gold 2250 Connect myHeartCare Gold
Deductible

$1,500 / $3,000

$2,250 / $4,500 $750 / $1,500
Coinsurance 20% 25% 20%
Out-Of-Pocket Max $7,800 / $15,600

$9,450 / $18,900

$9,950 / $19,900
PCP / Specialist

$25 / $75

$0 / $50 $25 / $65

Cost Share Reduction Options 

Talk to one of our agents to see if you qualify

BASE Connect Silver 3200
Connect Silver-2 2500 – Rx Copay

• $2,500 Individual Deductible • 40% Coinsurance after deductible
• $5 PCP / $85 Specialist

Connect Silver-3 750 – Rx Copay
• $750 Individual Deductible • 35% Coinsurance after deductible
• $5 PCP / $50 Specialist

Connect Silver-4 350 – Rx Copay
• $350 Individual Deductible • 10% Coinsurance after deductible
• $5 PCP / $35 Specialist

BASE Connect Silver 6500

Connect Silver-2 5500
• $5,500 Deductible • 40% Coinsurance after deductible
• $5 PCP / $85 Specialist

Connect Silver-3 750
• $750 Deductible • 30% Coinsurance after deductible
• $5 PCP / $35 Specialist

Connect Silver-4 100
• $100 Deductible • 10% Coinsurance after deductible
• $5 PCP / $15 Specialist

Plan availability, premiums and benefits vary by county; see full plan documents for details.

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