Cigna employer health plans in Arizona
Who Cigna insures among Arizona employers and what those plans pay in premium and broker compensation, and what the Cigna network pays physicians.
Cigna employer health plans in Arizona at a glance
What the data shows
Cigna insures 194 employer health plans in Arizona (26% of 749 insured large plans), 2nd of 8 carrier groups; Blue Cross Blue Shield (293) hold more.
Cigna has grown 8% in Arizona since 2020, from 179 plans.
Most of these plans cover 100–499 people (123 plans); 23 cover 1,000 or more.
Median premium per person covered was $2,634, 48% below the Arizona all-carrier median of $5,111. Benefit design and group mix differ, so this is not a price comparison.
87% of these plans reported broker or agent pay on their Cigna contracts; where paid, the median was 8.0% of premium (middle half 4.8%–12.0%).
In Cigna national PPO, 28 of the 50 Employer 50 services have a Arizona benchmark, at a median of 144% of Medicare across those services.
Cigna plans in Arizona, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 179 | 89,273 | 25% | $2,807 |
| 2021 | 169 | 99,367 | 25% | $2,607 |
| 2022 | 175 | 89,595 | 25% | $2,646 |
| 2023 | 179 | 120,867 | 24% | $2,079 |
| 2024 | 194 | 128,344 | 26% | $2,634 |
| 2025 (partial) | 145 | 129,270 | 28% | $3,016 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 27 | 14% |
| 100–499 | 123 | 63% |
| 500–999 | 21 | 11% |
| 1,000–4,999 | 19 | 10% |
| 5,000 or more | 4 | 2% |
Premiums and broker pay
| Measure | Cigna | All carriers, Arizona |
|---|---|---|
| Median premium per person covered | $2,634 | $5,111 |
| Premium per person, middle half | $950–$5,470 | $2,858–$6,918 |
| Plans reporting broker or agent pay | 87% | 83% |
| Median broker pay, % of premium | 8.0% | 5.1% |
| Broker pay, middle half | 4.8%–12.0% | 4.0%–7.0% |
| Median broker pay per person covered | $280 | $255 |
Industries
Cigna's Arizona employer clients are concentrated in manufacturing (29 plans) and health care and social assistance (28), followed by construction (21).
| Industry | Plans | Share |
|---|---|---|
| Manufacturing | 29 | 15% |
| Health care and social assistance | 28 | 14% |
| Construction | 21 | 11% |
| Professional and technical services | 20 | 10% |
| Retail trade | 13 | 7% |
| Educational services | 12 | 6% |
Cigna employer clients in Arizona
194 employers in Arizona have a Cigna major-medical contract, 23 of them covering 1,000 or more people. For each one Medlyze has the plan year, the broker on each contract and what that broker was paid, and compiles the list for a state, an industry or a single employer on request.
| Employer | Persons covered | Plan year ends | Broker | Broker pay, % of premium |
|---|---|---|---|---|
| Employer name | Locked | Locked | Locked | Locked |
| Employer name | Locked | Locked | Locked | Locked |
| Employer name | Locked | Locked | Locked | Locked |
What the Cigna network pays physicians in Arizona
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Diagnostic heart catheterization with coronary angiography | 93458 | $323 | $299–$479 | 112% | $351 | 83 |
| Echocardiogram, transthoracic complete with Doppler | 93306 | $75 | $71–$107 | 111% | $70 | 83 |
| Electrocardiogram (EKG), complete | 93000 | $17 | $15–$26 | 109% | $16 | 83 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $75 | $64–$107 | 101% | $78 | 83 |
| Treadmill stress test, complete | 93015 | $80 | $73–$121 | 109% | $76 | 83 |
| Cataract removal with lens implant | 66984 | $526 | $524–$655 | 114% | $581 | 66 |
| Abdominal ultrasound, complete | 76700 | $54 | $42–$73 | 145% | $40 | 194 |
| Bone density scan (DXA), axial | 77080 | $14 | $11–$18 | 145% | $10 | 193 |
| CT abdomen and pelvis with contrast | 74177 | $120 | $92–$162 | 143% | $105 | 192 |
| CT chest without contrast | 71250 | $73 | $55–$99 | 148% | $62 | 193 |
| Chest X-ray, 2 views | 71046 | $15 | $12–$19 | 146% | $11 | 187 |
| MRI brain without and with contrast | 70553 | $152 | $113–$206 | 144% | $140 | 193 |
| MRI cervical spine without contrast | 72141 | $101 | $76–$135 | 148% | $91 | 193 |
| MRI knee (lower-extremity joint) without contrast | 73721 | $88 | $67–$119 | 140% | $83 | 193 |
| MRI lumbar spine without contrast | 72148 | $97 | $74–$133 | 142% | $91 | 193 |
Professional fee only: facility, implant and anesthesia charges are not included. Limited: rates come from a sample of providers, and groups are counted only in specialties that perform the service.
Carriers in Arizona
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Blue Cross Blue Shield | 293 | 39% | $5,557 | 5.0% |
| Cigna | 194 | 26% | $2,634 | 8.0% |
| UnitedHealthcare | 154 | 21% | $4,911 | 5.3% |
| Kaiser Permanente | 75 | 10% | $9,007 | 4.1% |
| Aetna | 73 | 10% | $5,396 | 4.4% |
| Other insurers (regional and local plans) | 57 | 8% | $3,033 | 4.3% |
| Anthem (Elevance Health) | 8 | 1% | $5,860 | 4.4% |
| Humana | 1 | 0% | $4,272 | 2.3% |
Cigna in other states
FAQ
How many Arizona employers have Cigna health insurance?
194 employer health plans in Arizona reported a Cigna major-medical contract in their 2024 filings, covering 128,344 persons. Self-funded plans that Cigna only administers are not counted.
What is Cigna's share of the Arizona insured employer market?
26% of insured large employer health plans, 2nd of 8 carrier groups by plan count.
How much do brokers earn on Cigna plans in Arizona?
Where broker or agent pay was reported, the median was 8.0% of premium (5.1% across all carriers in Arizona).
Can I see the figures for a specific employer?
Yes. Brokers can request an Employer Account Brief on one employer, or a Prospect List for this market. Employers can request a Plan Cost Benchmark for their own plan. Use the request form on this page.
About these numbers
- Plans counted: the 194 Arizona employer health plans with a Cigna major-medical contract in their 2024 filings. Self-funded plans that Cigna only administers are not counted here.
- Premium and broker figures: 186 contracts with 20+ persons covered and a reported premium; broker percentages use the 168 contracts that reported broker or agent pay.
- Network rates: Cigna national PPO, professional fees only, from a sample of providers.
- Full method and limits: how the employer health plan data is built.