Cigna employer health plans in Colorado
Who Cigna insures among Colorado employers and what those plans pay in premium and broker compensation, and what the Cigna network pays physicians and hospitals.
Cigna employer health plans in Colorado at a glance
What the data shows
Cigna is the largest insurer of employer health plans in Colorado: 276 plans held a Cigna major-medical contract in form year 2024, 48% of the state's 576 insured large plans, ahead of Kaiser Permanente with 146.
The Cigna book in Colorado has held steady since 2020 (272 plans then).
Most of these plans cover 100–499 people (187 plans); 26 cover 1,000 or more.
Median premium per person covered was $3,009, 45% below the Colorado all-carrier median of $5,516. 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 6.4% of premium (middle half 3.3%–10.4%).
In Cigna national PPO, 28 of the 50 Employer 50 services have a Colorado benchmark, at a median of 167% of Medicare across those services.
At Colorado hospitals, Cigna's commercial rates run higher than other carriers' at the same hospital for 9 of 16 services; a hip or knee replacement stay has a median rate of $38,562 across 16 hospitals.
Cigna plans in Colorado, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 272 | 141,816 | 42% | $2,829 |
| 2021 | 280 | 140,248 | 44% | $2,822 |
| 2022 | 270 | 144,615 | 41% | $3,045 |
| 2023 | 295 | 152,095 | 45% | $2,796 |
| 2024 | 276 | 134,391 | 48% | $3,009 |
| 2025 (partial) | 222 | 125,264 | 47% | $3,013 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 31 | 11% |
| 100–499 | 187 | 68% |
| 500–999 | 29 | 11% |
| 1,000–4,999 | 24 | 9% |
| 5,000 or more | 2 | 1% |
Premiums and broker pay
| Measure | Cigna | All carriers, Colorado |
|---|---|---|
| Median premium per person covered | $3,009 | $5,516 |
| Premium per person, middle half | $848–$6,382 | $2,365–$7,997 |
| Plans reporting broker or agent pay | 87% | 80% |
| Median broker pay, % of premium | 6.4% | 4.7% |
| Broker pay, middle half | 3.3%–10.4% | 3.0%–7.4% |
| Median broker pay per person covered | $162 | $206 |
Industries
Cigna's Colorado employer clients are concentrated in professional and technical services (45 plans) and health care and social assistance (40), followed by manufacturing (36).
| Industry | Plans | Share |
|---|---|---|
| Professional and technical services | 45 | 16% |
| Health care and social assistance | 40 | 14% |
| Manufacturing | 36 | 13% |
| Construction | 30 | 11% |
| Information | 19 | 7% |
| Finance and insurance | 17 | 6% |
Cigna employer clients in Colorado
272 employers in Colorado have a Cigna major-medical contract, 26 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 Colorado
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Diagnostic heart catheterization with coronary angiography | 93458 | $448 | $397–$517 | 156% | $412 | 56 |
| Echocardiogram, transthoracic complete with Doppler | 93306 | $104 | $86–$115 | 154% | $99 | 56 |
| Electrocardiogram (EKG), complete | 93000 | $26 | $22–$31 | 172% | $22 | 56 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $83 | $72–$121 | 112% | $105 | 56 |
| Treadmill stress test, complete | 93015 | $123 | $109–$139 | 167% | $101 | 56 |
| Cataract removal with lens implant | 66984 | $816 | $647–$1,038 | 176% | $765 | 67 |
| Abdominal ultrasound, complete | 76700 | $64 | $46–$81 | 170% | $61 | 154 |
| Bone density scan (DXA), axial | 77080 | $15 | $12–$20 | 165% | $15 | 152 |
| CT abdomen and pelvis with contrast | 74177 | $134 | $98–$186 | 160% | $140 | 151 |
| CT chest without contrast | 71250 | $84 | $59–$113 | 170% | $89 | 152 |
| Chest X-ray, 2 views | 71046 | $17 | $12–$22 | 168% | $16 | 151 |
| MRI brain without and with contrast | 70553 | $179 | $122–$233 | 170% | $180 | 152 |
| MRI cervical spine without contrast | 72141 | $116 | $79–$157 | 170% | $127 | 152 |
| MRI knee (lower-extremity joint) without contrast | 73721 | $104 | $72–$138 | 166% | $117 | 152 |
| MRI lumbar spine without contrast | 72148 | $115 | $79–$150 | 168% | $126 | 152 |
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.
What the Cigna network pays hospitals in Colorado
Cigna commercial rates are on record at 35 Colorado hospitals (the hospitals covered so far, not every hospital). Compared at the same hospitals, Cigna's rate is higher than the other carriers' median for 9 of 16 services and lower for 6. For MRI, lower back, the rate runs from $480 to $2,994 across 16 hospitals.
This page shows 3 of the 16 services in full. The other rates, the size of each gap and every hospital's prices are in the Plan Cost Benchmark.
| Service | Hospitals | Median rate | Range (P10–P90) | vs other carriers, same hospitals | Cash price, median |
|---|---|---|---|---|---|
| Hip or knee replacement (hospital stay) | 16 | $38,562 | $17,360–$45,964 | Lower | – |
| C-section delivery (hospital stay) | 10 | Locked | Locked | Higher | Locked |
| Vaginal delivery (hospital stay) | 10 | Locked | Locked | Higher | Locked |
| MRI, lower back | 16 | $606 | $480–$2,994 | Lower | $2,157 |
| MRI, knee | 16 | Locked | Locked | Lower | Locked |
| CT, head | 16 | Locked | Locked | Lower | Locked |
| CT, abdomen and pelvis | 16 | Locked | Locked | Lower | Locked |
| Screening mammogram | 6 | Locked | Locked | Higher | Locked |
| Colonoscopy, diagnostic | 10 | Locked | Locked | Higher | Locked |
| Upper GI endoscopy with biopsy | 10 | Locked | Locked | Higher | Locked |
| Knee arthroscopy | 10 | Locked | Locked | Higher | Locked |
| Cataract surgery | 10 | Locked | Locked | Higher | Locked |
| Gallbladder removal, laparoscopic | 10 | Locked | Locked | Higher | Locked |
| Emergency visit, level 4 | 14 | $2,440 | $1,845–$2,995 | Lower | $1,707 |
| Comprehensive metabolic panel | 9 | Locked | Locked | About the same | Locked |
| Complete blood count | 9 | Locked | Locked | Higher | Locked |
Hospitals with the most published Cigna rates
| Hospital | Joint replacement | MRI lower back | CT abdomen | Colonoscopy | ER level 4 | Vaginal delivery |
|---|---|---|---|---|---|---|
| Boulder Community Health Foothills Hospital | $39,044 | Locked | Locked | Locked | Locked | Locked |
| Denver Health Main Campus | $38,562 | Locked | Locked | Locked | Locked | Locked |
| Uc Health Broomfield Hospital | $19,096 | Locked | Locked | Locked | Locked | Locked |
| Uc Health Grandview Hospital | $17,360 | Locked | Locked | Locked | Locked | Locked |
| Uc Health Greeley Hospital | $42,542 | Locked | Locked | Locked | Locked | Locked |
| Uc Health Highlands Ranch Hospital | $29,454 | Locked | Locked | Locked | Locked | Locked |
| Uc Health Longs Peak Hospital | $28,312 | Locked | Locked | Locked | Locked | Locked |
| Uc Health Medical Center Of The Rockies | $45,964 | Locked | Locked | Locked | Locked | Locked |
| Uc Health Parkview Medical Center | $17,140 | Locked | Locked | Locked | Locked | Locked |
| Uc Health Poudre Valley Hospital | $45,964 | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 17%, fee schedules 12%, per diem 1%, percent of billed charges 38%, other 32% of Cigna's published commercial rates for these services in Colorado.
Employers: see all 16 services and every hospital near your people in a Plan Cost Benchmark →
Hospital facility rate only: physician, anesthesia and implant charges are separate. Rates are what hospitals publish, not claims paid, and are not weighted by use.
Carriers in Colorado
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Cigna | 276 | 48% | $3,009 | 6.4% |
| Kaiser Permanente | 146 | 25% | $7,472 | 3.7% |
| UnitedHealthcare | 114 | 20% | $5,773 | 4.1% |
| Anthem (Elevance Health) | 52 | 9% | $6,976 | 3.4% |
| Other insurers (regional and local plans) | 50 | 9% | $3,138 | 7.5% |
| Blue Cross Blue Shield | 31 | 5% | $6,582 | 4.3% |
| Aetna | 24 | 4% | $6,205 | 4.2% |
| Humana | 2 | 0% | $771 | 5.8% |
Cigna in other states
FAQ
How many Colorado employers have Cigna health insurance?
276 employer health plans in Colorado reported a Cigna major-medical contract in their 2024 filings, covering 134,391 persons. Self-funded plans that Cigna only administers are not counted.
What is Cigna's share of the Colorado insured employer market?
48% of insured large employer health plans, 1st of 8 carrier groups by plan count.
How much do brokers earn on Cigna plans in Colorado?
Where broker or agent pay was reported, the median was 6.4% of premium (4.7% across all carriers in Colorado).
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 276 Colorado 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: 264 contracts with 20+ persons covered and a reported premium; broker percentages use the 241 contracts that reported broker or agent pay.
- Network rates: Cigna national PPO, professional fees only, from a sample of providers.
- Hospital prices: Cigna commercial rates at Colorado hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.