Cigna is the No.10 health insurance company for 2026 with a score of 3.96 out of 5.
Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.
Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network.
Why you can trust Insure.com
Quality Verified
At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.
Cigna ranks No. 10 in our list of the Best Health Insurance Companies of 2026, earning an overall score of 3.96 out of 5. It’s a decent choice for customers who want a smooth digital experience, value customer service and prefer plans with relatively low deductibles that help reduce upfront out-of-pocket costs.
Below is our review of Cigna. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here.
Cigna is a good choice for you if:
It might not be the best choice if:
The cost of healthcare can vary widely among insurers in our rating. Cigna’s score of 3.74 stars out of 5 stars places it in eighth place among carriers we reviewed and well behind competitors like top-ranked Humana and second-place EmblemHealth.
Below is a comparison of Cigna’s rates in North Carolina with those of Blue Cross Blue Shield of North Carolina and UnitedHealthcare. These are 2026 healthcare exchange rates for a single, 40-year-old man in excellent health with an annual income of $70,000.
Customer service can make or break a carrier’s reputation among policyholders. Cigna’s score of 80% placed it in second behind category leader Humana and well above last-place Molina Healthcare. Several other carriers tied with Cigna: Horizon BCBS of New Jersey, BCBS of Michigan (Blue Care Network), Highmark (BCBS in Pennsylvania, Delaware, West Virginia), and BCBS of Florida (Florida Blue).
The customer experience is also shaped by how easy it is for policyholders to use their insurer’s website to manage their account. Cigna is No. 2 in this survey category, tied with EmblemHealth. Only Molina Healthcare received a higher score.
When it comes to policy offerings, Cigna finished in the middle of the pack. Horizon BCBS of New Jersey took the top spot in this survey category, while EmblemHealth was in last place.
Eighty-six percent of policyholders surveyed said they would recommend Cigna to others. That score places the insurer in the middle among the carriers we examined. In this category, Horizon BCBS of New Jersey was the only insurer to score 100%, while Molina Healthcare scored lowest.
Trustworthiness is also important to consumers. Cigna’s score of 87% put it in sixth place, tied with Highmark (BCBS in Pennsylvania, Delaware, West Virginia). Humana earned the top spot in this category with a score of 96%.
Survey participants were more bullish on Cigna when it comes to policy renewals, giving it a score of 95%. However, in this competitive category, which ranked it fifth, BCBS of Florida (Florida Blue) led the way with a 98% score, while Molina was in last place.
No insurer scored particularly highly in the category of low deductibles, which suggests affordability remains an issue for many people. Among competitors, Cigna’s score of 71% places it second behind Humana. Kaiser Permanente and HCSC also scored 71%. Horizon BCBS of New Jersey scored the lowest at 60%.
Cigna placed third in the provider network category, tied with BCBS of Michigan (Blue Care Network) and Blue Shield of California at 84%. Highmark (BCBS in Pennsylvania, Delaware, West Virginia) and BCBS of Florida (Florida Blue) led the category at 89%.
A streamlined payment system is also essential, especially in the event of a healthcare emergency, when you may receive bills from multiple providers. Among insurers, Cigna scored 87%, tied for second place with Highmark (BCBS in Pennsylvania, Delaware, West Virginia) behind category leader Humana.
Cigna provides a variety of health insurance plans. Plan details and availability vary by state, but include the following:
Cigna also offers the following coverages; availability varies by state and plan:
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Policyholders can reach Cigna by logging into their account and using the chat function. The insurer can also be reached by phone, 24 hours a day, 7 days a week.
Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through independent research firm Dynata. Customers named their health insurer and rated it on customer satisfaction, ease of service, policy offerings, affordability, deductibles, provider availability and whether referrals were required. We also asked whether they planned to renew, would recommend their insurer, and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to calculate each company’s final rating:
Each insurer received a rating between 0.5 and 5 stars, with 5 stars representing the highest performance.