Insurance expert Mel Duvall is an award-winning business journalist with a background in covering insurance, banking and personal finance. His work has appeared in leading publications such as The Financial Post, American Banker and Baseline Magazine.
Elizabeth Rivelli is an insurance expert and freelance writer specializing in insurance and personal finance. Her work has been featured in major outlets like Investopedia, CNET and Bankrate, where she helps readers make confident decisions about car insurance, coverage options and financial planning.
John McCormick is an insurance expert and the editorial director for QuinStreet's insurance sites -- CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, he was a deputy editor at The Wall Street Journal and was an editor and reporter at several media outlets where he covered insurance, personal finance and technology.
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Cigna is a good health insurer for people who want access to a big provider network and strong integration with pharmacy benefits. It’s No. 8 on Insure.com’s list of the Best Health Insurance Companies for 2025, earning 3.84 stars out of 5.
Customers give it good marks for its network size and the company has a strong 3.24 out of 5 stars rating from the National Committee for Quality Assurance. NCQA evaluates healthcare plans on, among other things, member satisfaction.
Cigna received a very good complaint index score of 0.79 from the National Association of Insurance Commissioners. The NAIC gives insurers a score based on a ratio of the number of customer complaints they receive to the expected number for a company its size. A ratio below 1.0 indicates the carrier received fewer complaints than typical for a company its size.
The company, however, didn’t score as well as other companies on our list for affordability and policy offerings.
AM Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.
Below is Insure.com’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.
Cigna received 3.96 out of 5 stars in this category, a good score but below most other companies on our list. Molina led the pack when it came to affordability with 4.54 stars out of 5.
Below is a look at how a Cigna HMO plan in Georgia compares with similar plans from Aetna and Kaiser Permanente. These are 2025 healthcare exchange rates for a single, 40-year-old male in excellent health with an annual income of $70,000.
Cigna fared well when we asked customers to rate it for customer satisfaction. It received 4.13 out of 5 stars. In J.D. Power’s 2024 U.S. Commercial Member Health Plan Study, Cigna had some mixed results. However, the company received the highest score in Texas.
Cigna does have a large portfolio of offerings, and nearly eight in 10 customers rated it highly here. However, a number of companies scored higher in this category, which Molina led.
Yes, 83% of Cigna customers said they would recommend the company to others. The overall winner was Highmark, with all the customers we surveyed saying they would tell their friends and family about the company.
Most customers trust Cigna. Of the customers we surveyed, 77% rated it as trustworthy, although several competitors ranked higher. UnitedHealthcare led this category, with 89% of customers saying the company can be trusted.
The majority say yes. Of the customers we surveyed, 79% said they planned to renew their Cigna policy. Molina was the winner in this category.
Of the nine companies we ranked, Cigna had the fifth-highest score in this category. Of the respondents, 82% said they were satisfied with the company’s digital experience, which includes its website and mobile apps. Molina led this category.
Cigna scored in the bottom half of our study for low deductibles. A deductible is the amount of money you have to pay out-of-pocket for health care services before your health insurance plan begins to pay. The winner in this category was Molina, followed by Humana and Elevance.
The company says it has one of the biggest provider networks in the business, and customers seem to agree. It scored in the top half of our study for this category. Elevance won this category, with 88% of customers saying they were happy with the company’s provider network.
Cigna’s history dates back to the years following the American Revolution. In 1792, at a meeting in Philadelphia’s Independence Hall, a group of prominent citizens formed the Insurance Company of North America (INA). INA was one of the first marine insurance companies formed in the United States.
It had an illustrious history, including playing a big role in helping the great Chicago fire survivors rebuild their homes. Fast forward to 1982, when Cigna was formed with the merger of the Connecticut General Life Insurance Company and INA. The name is a mix of the letters of the merged companies. Until 1997, Cigna was also a big player in the life insurance business, but it sold most of those operations to Lincoln National to focus on healthcare and dental insurance.
Today, Cigna offers individual and family health insurance plans in 14 states. In 2018, Cigna acquired Express Scripts in a deal valued at $67 billion, combining health insurance with drug plans to join competitors such as CVS Health (Aetna) and UnitedHealthcare.
Sources:
Cigna health care “Cigna” Accessed March 2025.
Insure.com in the fall of 2024 surveyed more than 1,750 insurance consumers (almost 1,500 of which had health insurance). The survey was conducted by online market research company Slice MR.
Respondents were asked to name their health insurer and then grade it in a number of categories, including:
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
The percentage of respondents who said yes is presented in the results.
The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
We then collected data from the National Committee for Quality Assurance (NCQA), which evaluates and rates health plans, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For life insurers, we took the following and gave each a weight.
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.