Cigna employer health plans in Illinois
Who Cigna insures among Illinois 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 Illinois at a glance
What the data shows
Cigna insures 173 employer health plans in Illinois (8% of 2,165 insured large plans), 5th of 8 carrier groups; Blue Cross Blue Shield (1,496), UnitedHealthcare (297) hold more.
Cigna has shrunk 17% in Illinois since 2020, from 209 plans, as insured plans moved carrier or to self-funding.
Most of these plans cover 100–499 people (88 plans); 26 cover 1,000 or more.
Median premium per person covered was $1,578, 78% below the Illinois all-carrier median of $7,289. Benefit design and group mix differ, so this is not a price comparison.
72% of these plans reported broker or agent pay on their Cigna contracts; where paid, the median was 5.4% of premium (middle half 3.6%–9.9%).
In Cigna national PPO, 28 of the 50 Employer 50 services have a Illinois benchmark, at a median of 150% of Medicare across those services.
At Illinois hospitals, Cigna's commercial rates run higher than other carriers' at the same hospital for 3 of 17 services; a hip or knee replacement stay has a median rate of $21,434 across 27 hospitals.
Cigna plans in Illinois, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 209 | 168,432 | 10% | $1,605 |
| 2021 | 186 | 175,019 | 9% | $1,073 |
| 2022 | 191 | 132,838 | 9% | $1,342 |
| 2023 | 187 | 161,615 | 8% | $1,600 |
| 2024 | 173 | 231,989 | 8% | $1,578 |
| 2025 (partial) | 148 | 172,622 | 9% | $1,925 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 40 | 23% |
| 100–499 | 88 | 51% |
| 500–999 | 19 | 11% |
| 1,000–4,999 | 15 | 9% |
| 5,000 or more | 11 | 6% |
Premiums and broker pay
| Measure | Cigna | All carriers, Illinois |
|---|---|---|
| Median premium per person covered | $1,578 | $7,289 |
| Premium per person, middle half | $548–$6,817 | $5,625–$8,880 |
| Plans reporting broker or agent pay | 72% | 86% |
| Median broker pay, % of premium | 5.4% | 4.0% |
| Broker pay, middle half | 3.6%–9.9% | 3.0%–4.6% |
| Median broker pay per person covered | $138 | $281 |
Industries
Cigna's Illinois employer clients are concentrated in manufacturing (35 plans) and professional and technical services (32), followed by wholesale trade (15).
| Industry | Plans | Share |
|---|---|---|
| Manufacturing | 35 | 20% |
| Professional and technical services | 32 | 18% |
| Wholesale trade | 15 | 9% |
| Retail trade | 15 | 9% |
| Finance and insurance | 11 | 6% |
| Transportation and warehousing | 11 | 6% |
Cigna employer clients in Illinois
161 employers in Illinois 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 Illinois
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Diagnostic heart catheterization with coronary angiography | 93458 | $482 | $453–$580 | 168% | $489 | 86 |
| Echocardiogram, transthoracic complete with Doppler | 93306 | $103 | $94–$117 | 153% | $102 | 88 |
| Electrocardiogram (EKG), complete | 93000 | $25 | $22–$30 | 165% | $26 | 88 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $110 | $89–$127 | 147% | $99 | 88 |
| Treadmill stress test, complete | 93015 | $118 | $103–$139 | 161% | $110 | 88 |
| Cataract removal with lens implant | 66984 | $899 | $757–$948 | 194% | $694 | 87 |
| Abdominal ultrasound, complete | 76700 | $55 | $43–$71 | 148% | $49 | 154 |
| Bone density scan (DXA), axial | 77080 | $14 | $11–$18 | 150% | $12 | 153 |
| CT abdomen and pelvis with contrast | 74177 | $125 | $93–$164 | 149% | $109 | 151 |
| CT chest without contrast | 71250 | $74 | $55–$95 | 150% | $69 | 154 |
| Chest X-ray, 2 views | 71046 | $15 | $11–$20 | 149% | $13 | 150 |
| MRI brain without and with contrast | 70553 | $158 | $120–$201 | 150% | $147 | 154 |
| MRI cervical spine without contrast | 72141 | $104 | $78–$132 | 152% | $102 | 154 |
| MRI knee (lower-extremity joint) without contrast | 73721 | $93 | $72–$116 | 148% | $93 | 154 |
| MRI lumbar spine without contrast | 72148 | $102 | $78–$129 | 148% | $102 | 154 |
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 Illinois
Cigna commercial rates are on record at 71 Illinois 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 3 of 17 services and lower for 11. For Emergency visit, level 4, the rate runs from $157 to $3,263 across 12 hospitals.
This page shows 3 of the 17 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) | 27 | $21,434 | $15,805–$35,986 | Higher | – |
| C-section delivery (hospital stay) | 28 | Locked | Locked | About the same | Locked |
| Vaginal delivery (hospital stay) | 27 | Locked | Locked | Lower | Locked |
| MRI, lower back | 20 | $1,096 | $146–$1,366 | Lower | $1,650 |
| MRI, knee | 20 | Locked | Locked | Lower | Locked |
| CT, head | 21 | Locked | Locked | Lower | Locked |
| CT, abdomen and pelvis | 20 | Locked | Locked | Lower | Locked |
| Screening mammogram | 18 | Locked | Locked | About the same | Locked |
| Colonoscopy, diagnostic | 18 | Locked | Locked | Lower | Locked |
| Upper GI endoscopy with biopsy | 10 | Locked | Locked | Lower | Locked |
| Knee arthroscopy | 8 | Locked | Locked | Lower | Locked |
| Cataract surgery | 8 | Locked | Locked | Higher | Locked |
| Gallbladder removal, laparoscopic | 8 | Locked | Locked | Lower | Locked |
| Knee replacement, outpatient | 6 | Locked | Locked | Lower | Locked |
| Emergency visit, level 4 | 12 | $3,263 | $157–$3,263 | Higher | $1,020 |
| Comprehensive metabolic panel | 19 | Locked | Locked | Lower | Locked |
| Complete blood count | 19 | Locked | Locked | About the same | Locked |
Hospitals with the most published Cigna rates
| Hospital | Joint replacement | MRI lower back | CT abdomen | Colonoscopy | ER level 4 | Vaginal delivery |
|---|---|---|---|---|---|---|
| Advocate Christ Medical Center | $25,630 | Locked | Locked | Locked | Locked | Locked |
| Advocate Condell Medical Center | $21,434 | Locked | Locked | Locked | Locked | Locked |
| Advocate Good Samaritan Hospital | $21,434 | Locked | Locked | Locked | Locked | Locked |
| Advocate Good Shepherd Hospital | $21,434 | Locked | Locked | Locked | Locked | Locked |
| Carle Eureka Hospital | $20,740 | Locked | Locked | Locked | Locked | Locked |
| Ferrell Hospital Community Foundations | – | Locked | Locked | Locked | Locked | Locked |
| Jacksonville Memorial Hospital | $40,077 | Locked | Locked | Locked | Locked | Locked |
| Saint Joseph Hospital | – | Locked | Locked | Locked | Locked | Locked |
| Unitypoint Health Trinity Rock Island | – | Locked | Locked | Locked | Locked | Locked |
| Washington County Hospital | – | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 22%, fee schedules 8%, per diem 1%, percent of billed charges 52%, other 17% of Cigna's published commercial rates for these services in Illinois.
Employers: see all 17 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 Illinois
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Blue Cross Blue Shield | 1,496 | 69% | $7,619 | 4.0% |
| UnitedHealthcare | 297 | 14% | $5,702 | 5.0% |
| Other insurers (regional and local plans) | 188 | 9% | $5,676 | 3.5% |
| Kaiser Permanente | 177 | 8% | $9,988 | 3.4% |
| Cigna | 173 | 8% | $1,578 | 5.4% |
| Aetna | 88 | 4% | $5,427 | 3.5% |
| Humana | 25 | 1% | $1,367 | 6.9% |
| Anthem (Elevance Health) | 13 | 1% | $7,729 | 3.6% |
Cigna in other states
FAQ
How many Illinois employers have Cigna health insurance?
173 employer health plans in Illinois reported a Cigna major-medical contract in their 2024 filings, covering 231,989 persons. Self-funded plans that Cigna only administers are not counted.
What is Cigna's share of the Illinois insured employer market?
8% of insured large employer health plans, 5th of 8 carrier groups by plan count.
How much do brokers earn on Cigna plans in Illinois?
Where broker or agent pay was reported, the median was 5.4% of premium (4.0% across all carriers in Illinois).
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 173 Illinois 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: 152 contracts with 20+ persons covered and a reported premium; broker percentages use the 125 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 Illinois hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.