Cigna employer health plans in Massachusetts
Who Cigna insures among Massachusetts 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 Massachusetts at a glance
What the data shows
Cigna insures 194 employer health plans in Massachusetts (13% of 1,524 insured large plans), 3rd of 7 carrier groups; Blue Cross Blue Shield (801) hold more.
Cigna has grown 27% in Massachusetts since 2020, from 153 plans.
Most of these plans cover 100–499 people (96 plans); 27 cover 1,000 or more.
Median premium per person covered was $7,701, 7% below the Massachusetts all-carrier median of $8,252. Benefit design and group mix differ, so this is not a price comparison.
86% of these plans reported broker or agent pay on their Cigna contracts; where paid, the median was 4.5% of premium (middle half 3.0%–8.5%).
In Cigna national PPO, 29 of the 50 Employer 50 services have a Massachusetts benchmark, at a median of 193% of Medicare across those services.
At Massachusetts hospitals, Cigna's commercial rates run higher than other carriers' at the same hospital for 2 of 6 services.
Cigna plans in Massachusetts, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 153 | 102,867 | 10% | $4,882 |
| 2021 | 167 | 73,347 | 11% | $6,061 |
| 2022 | 176 | 82,833 | 11% | $7,068 |
| 2023 | 180 | 88,786 | 11% | $6,873 |
| 2024 | 194 | 128,548 | 13% | $7,701 |
| 2025 (partial) | 140 | 73,721 | 14% | $7,010 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 57 | 29% |
| 100–499 | 96 | 49% |
| 500–999 | 13 | 7% |
| 1,000–4,999 | 20 | 10% |
| 5,000 or more | 7 | 4% |
Premiums and broker pay
| Measure | Cigna | All carriers, Massachusetts |
|---|---|---|
| Median premium per person covered | $7,701 | $8,252 |
| Premium per person, middle half | $3,116–$11,003 | $6,634–$10,794 |
| Plans reporting broker or agent pay | 86% | 89% |
| Median broker pay, % of premium | 4.5% | 2.8% |
| Broker pay, middle half | 3.0%–8.5% | 2.1%–3.8% |
| Median broker pay per person covered | $329 | $225 |
Industries
Cigna's Massachusetts employer clients are concentrated in professional and technical services (52 plans) and manufacturing (43), followed by finance and insurance (17).
| Industry | Plans | Share |
|---|---|---|
| Professional and technical services | 52 | 27% |
| Manufacturing | 43 | 22% |
| Finance and insurance | 17 | 9% |
| Health care and social assistance | 16 | 8% |
| Wholesale trade | 12 | 6% |
| Other services | 12 | 6% |
Cigna employer clients in Massachusetts
183 employers in Massachusetts have a Cigna major-medical contract, 27 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 |
Brokers: request the Cigna Prospect List for Massachusetts →
What the Cigna network pays physicians in Massachusetts
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Diagnostic heart catheterization with coronary angiography | 93458 | $559 | $524–$688 | 195% | $418 | 74 |
| Echocardiogram, transthoracic complete with Doppler | 93306 | $139 | $126–$166 | 206% | $116 | 74 |
| Electrocardiogram (EKG), complete | 93000 | $32 | $28–$38 | 206% | $26 | 74 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $109 | $94–$177 | 147% | $120 | 74 |
| Treadmill stress test, complete | 93015 | $144 | $144–$190 | 196% | $135 | 74 |
| Skin biopsy, single lesion (tangential) | 11102 | $182 | $182–$182 | 191% | $183 | 12 |
| Cataract removal with lens implant | 66984 | $960 | $826–$1,296 | 207% | $812 | 91 |
| Abdominal ultrasound, complete | 76700 | $75 | $48–$105 | 200% | $61 | 129 |
| Bone density scan (DXA), axial | 77080 | $18 | $12–$26 | 195% | $15 | 129 |
| CT abdomen and pelvis with contrast | 74177 | $147 | $115–$226 | 175% | $138 | 128 |
| CT chest without contrast | 71250 | $92 | $68–$143 | 186% | $85 | 129 |
| Chest X-ray, 2 views | 71046 | $19 | $13–$27 | 194% | $17 | 126 |
| MRI brain without and with contrast | 70553 | $186 | $145–$294 | 177% | $174 | 129 |
| MRI cervical spine without contrast | 72141 | $122 | $93–$199 | 179% | $126 | 129 |
| MRI knee (lower-extremity joint) without contrast | 73721 | $110 | $85–$173 | 175% | $118 | 129 |
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 Massachusetts
Cigna commercial rates are on record at 14 Massachusetts 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 2 of 6 services and lower for 4. For Knee arthroscopy, the rate runs from $1,386 to $12,252 across 5 hospitals.
| Service | Hospitals | Median rate | Range (P10–P90) | vs other carriers, same hospitals | Cash price, median |
|---|---|---|---|---|---|
| Colonoscopy, diagnostic | 5 | $1,725 | $948–$6,535 | Lower | – |
| Upper GI endoscopy with biopsy | 5 | $1,725 | $948–$6,535 | Lower | – |
| Knee arthroscopy | 5 | $5,345 | $1,386–$12,252 | Higher | – |
Hospital-by-hospital Cigna rates for Massachusetts are in the Plan Cost Benchmark; this page shows them once 15 or more hospitals' files include them.
How the contracts are written: case rates 28%, fee schedules 29%, per diem 6%, percent of billed charges 12%, other 24% of Cigna's published commercial rates for these services in Massachusetts.
Employers: request hospital prices 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 Massachusetts
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Blue Cross Blue Shield | 801 | 53% | $8,043 | 2.6% |
| Other insurers (regional and local plans) | 405 | 27% | $10,172 | 2.5% |
| Cigna | 194 | 13% | $7,701 | 4.5% |
| UnitedHealthcare | 117 | 8% | $7,229 | 3.2% |
| Kaiser Permanente | 108 | 7% | $9,680 | 4.5% |
| Aetna | 52 | 3% | $7,400 | 1.8% |
| Anthem (Elevance Health) | 5 | 0% | $7,414 | 2.7% |
Cigna in other states
FAQ
How many Massachusetts employers have Cigna health insurance?
194 employer health plans in Massachusetts reported a Cigna major-medical contract in their 2024 filings, covering 128,548 persons. Self-funded plans that Cigna only administers are not counted.
What is Cigna's share of the Massachusetts insured employer market?
13% of insured large employer health plans, 3rd of 7 carrier groups by plan count.
How much do brokers earn on Cigna plans in Massachusetts?
Where broker or agent pay was reported, the median was 4.5% of premium (2.8% across all carriers in Massachusetts).
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 Massachusetts 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: 163 contracts with 20+ persons covered and a reported premium; broker percentages use the 166 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 Massachusetts hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.