Premiums That Make Sense
Explore real example rates and find out what medical coverage could cost for you and your family.
Health insurance for the self-employed
Medical Coverage for Your Business of One—and Your Family.
Explore medical coverage with access to the nationwide Cigna PPO network—even if you’re the only employee of your business. Coverage options are available for you, your spouse, and your eligible children.
Cigna provides PPO network access; it does not insure this coverage.
Explore Example Monthly Rates
Select who needs coverage.
Example monthly rate
$516.36 / month
Value plan · $7,350 deductible · Cigna PPO network access
Illustrative Tier 1 monthly rates for the selected coverage tier. Eligibility and pricing are subject to medical underwriting; actual rates may be higher. Plan terms and exclusions apply.
Coverage designed around your needs
More Options for Your Health and Your Budget.
Nationwide Cigna PPO Network
Access participating doctors, specialists, and hospitals across the country. Check whether your providers participate before you enroll.
Check Your DoctorsIn the directory, choose “Continue as Guest,” then “PPO, Choice Fund PPO.”
Benefits That Matter
Choose from eight medical plan designs, including two HSA-compatible options, with different deductibles and copays. Plans include covered preventive care and telemedicine benefits.
Compare your options
The Marketplace Isn’t Your Only Option.
If you own a business, you may have medical coverage choices beyond the individual Health Insurance Marketplace.
Marketplace plans provide ACA protections, including coverage for pre-existing conditions without medical underwriting. This program follows different eligibility and plan rules.
Get My Rates This medical programMarketplace plans
Provider networkCigna PPO optionVaries by plan
Health underwritingUsed for eligibility and pricingNot used to determine eligibility
Marketplace tax creditsNot availableMay be available if eligible
When to applyYear-round, subject to eligibilityOpen enrollment or qualifying special enrollment
A clear path forward
Getting Started Is Simple.
Apply Online
Complete one application to explore eligibility and request personalized rates.
Compare Your Options
Review available premiums, deductibles, benefits, and provider-network information.
Enroll When You’re Ready
Choose coverage if you find an option that works for you. A licensed advisor is available when you need help.
Get My RatesNo required sales call. No obligation to enroll.
Make an informed decision
Know What You’re Choosing.
Before enrolling, you can review your rates, plan benefits, deductibles, and participating providers. Have questions? Our licensed insurance advisors are available to help.
Answers before you apply
Frequently Asked Questions
Can I qualify if I’m the only employee?
Yes. Eligible businesses with an EIN may qualify even with only one employee. You may also include an eligible spouse and dependent children.
Is this real medical coverage?
Yes. These plans provide medical benefits for covered doctor visits, hospital services, prescriptions, and other eligible care. Review each plan’s benefits, cost-sharing, limitations, and exclusions before enrolling.
Can I keep my doctors?
You can check your doctors, specialists, and hospitals in the applicable Cigna PPO network before enrolling. Confirm participation with both the provider and the program.
How are my rates determined?
The program uses medical underwriting to determine eligibility and pricing. The rates shown here are examples. Your actual rates may differ, and not every applicant will qualify.
How is this different from Marketplace insurance?
This is medically underwritten group medical coverage through a self-funded arrangement, not an individual Marketplace policy. Marketplace premium tax credits cannot be used, and eligibility and plan rules differ.
What does self-funded coverage mean?
The medical benefits are provided through a self-funded group arrangement with stop-loss protection rather than a traditional fully insured policy. The plan documents describe circumstances when the sponsoring business may face funding obligations beyond its regular monthly contribution. Review those financial terms before enrolling.
Do I have to speak with an advisor?
No. You can begin your application without scheduling a call. Licensed assistance is available if you want help comparing your options.
Can I change or cancel coverage?
Changes, cancellations, and renewals are governed by the applicable program terms. Review those details before making your selection.
Coverage for your business of one
Explore Coverage for You and Your Family.
See what medical plans and personalized rates may be available for your business.
Get My Personalized Rates No obligation to enroll.