Cigna employer health plans in Michigan
Who Cigna insures among Michigan 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 Michigan at a glance
What the data shows
Cigna insures 47 employer health plans in Michigan (3% of 1,588 insured large plans), 5th of 8 carrier groups; Blue Cross Blue Shield (1,065), UnitedHealthcare (69) hold more.
Cigna has shrunk 13% in Michigan since 2020, from 54 plans, as insured plans moved carrier or to self-funding.
Most of these plans cover Under 100 people (24 plans); 6 cover 1,000 or more.
Median premium per person covered was $5,134, 17% below the Michigan all-carrier median of $6,177. 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 10.0% of premium (middle half 4.8%–13.7%).
In Cigna national PPO, 28 of the 50 Employer 50 services have a Michigan benchmark, at a median of 169% of Medicare across those services.
At Michigan hospitals, Cigna's commercial rates run higher than other carriers' at the same hospital for 13 of 17 services; a hip or knee replacement stay has a median rate of $21,558 across 11 hospitals.
Cigna plans in Michigan, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 54 | 30,023 | 4% | $4,143 |
| 2021 | 49 | 28,623 | 3% | $5,191 |
| 2022 | 58 | 26,748 | 4% | $1,850 |
| 2023 | 49 | 21,654 | 3% | $2,631 |
| 2024 | 47 | 22,509 | 3% | $5,134 |
| 2025 (partial) | 44 | 27,310 | 4% | $4,196 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 24 | 51% |
| 100–499 | 12 | 26% |
| 500–999 | 5 | 11% |
| 1,000–4,999 | 5 | 11% |
| 5,000 or more | 1 | 2% |
Premiums and broker pay
| Measure | Cigna | All carriers, Michigan |
|---|---|---|
| Median premium per person covered | $5,134 | $6,177 |
| Premium per person, middle half | $761–$7,396 | $4,724–$7,824 |
| Plans reporting broker or agent pay | 72% | 84% |
| Median broker pay, % of premium | 10.0% | 3.4% |
| Broker pay, middle half | 4.8%–13.7% | 3.0%–4.7% |
| Median broker pay per person covered | $189 | $212 |
Industries
Cigna's Michigan employer clients are concentrated in manufacturing (29 plans) and health care and social assistance (4), followed by wholesale trade (3).
| Industry | Plans | Share |
|---|---|---|
| Manufacturing | 29 | 62% |
| Health care and social assistance | 4 | 9% |
| Wholesale trade | 3 | 6% |
| Professional and technical services | 2 | 4% |
| Accommodation and food services | 2 | 4% |
| Other services | 2 | 4% |
Cigna employer clients in Michigan
43 employers in Michigan have a Cigna major-medical contract, 6 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 Michigan
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Diagnostic heart catheterization with coronary angiography | 93458 | $563 | $520–$699 | 196% | $419 | 11 |
| Echocardiogram, transthoracic complete with Doppler | 93306 | $136 | $119–$152 | 202% | $90 | 11 |
| Electrocardiogram (EKG), complete | 93000 | $34 | $30–$40 | 220% | $20 | 11 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $140 | $118–$176 | 188% | $91 | 11 |
| Treadmill stress test, complete | 93015 | $149 | $127–$186 | 203% | $101 | 11 |
| Cataract removal with lens implant | 66984 | $696 | $583–$1,041 | 150% | $737 | 10 |
| Abdominal ultrasound, complete | 76700 | $62 | $47–$84 | 166% | $54 | 64 |
| Bone density scan (DXA), axial | 77080 | $15 | $12–$21 | 161% | $13 | 63 |
| CT abdomen and pelvis with contrast | 74177 | $136 | $107–$207 | 163% | $121 | 63 |
| CT chest without contrast | 71250 | $83 | $63–$123 | 168% | $75 | 64 |
| Chest X-ray, 2 views | 71046 | $16 | $13–$23 | 163% | $14 | 63 |
| MRI brain without and with contrast | 70553 | $178 | $134–$256 | 169% | $140 | 64 |
| MRI cervical spine without contrast | 72141 | $117 | $88–$167 | 172% | $95 | 64 |
| MRI knee (lower-extremity joint) without contrast | 73721 | $104 | $80–$153 | 165% | $83 | 64 |
| MRI lumbar spine without contrast | 72148 | $114 | $87–$167 | 166% | $91 | 64 |
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 Michigan
Cigna commercial rates are on record at 15 Michigan 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 13 of 17 services and lower for 3. For Emergency visit, level 4, the rate runs from $203 to $1,373 across 9 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) | 11 | $21,558 | $11,176–$25,329 | Lower | – |
| C-section delivery (hospital stay) | 11 | Locked | Locked | Lower | Locked |
| Vaginal delivery (hospital stay) | 11 | Locked | Locked | Lower | Locked |
| MRI, lower back | 10 | $438 | $187–$759 | Higher | $2,327 |
| MRI, knee | 10 | Locked | Locked | Higher | Locked |
| CT, head | 10 | Locked | Locked | Higher | Locked |
| CT, abdomen and pelvis | 10 | Locked | Locked | Higher | Locked |
| Screening mammogram | 9 | Locked | Locked | Higher | Locked |
| Colonoscopy, diagnostic | 9 | Locked | Locked | Higher | Locked |
| Upper GI endoscopy with biopsy | 10 | Locked | Locked | Higher | Locked |
| Knee arthroscopy | 9 | Locked | Locked | Higher | Locked |
| Cataract surgery | 9 | Locked | Locked | Higher | Locked |
| Gallbladder removal, laparoscopic | 9 | Locked | Locked | Higher | Locked |
| Knee replacement, outpatient | 9 | Locked | Locked | Higher | Locked |
| Emergency visit, level 4 | 9 | $775 | $203–$1,373 | Higher | $1,166 |
| Comprehensive metabolic panel | 10 | Locked | Locked | About the same | Locked |
| Complete blood count | 10 | 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 |
|---|---|---|---|---|---|---|
| Beacon Allegan | – | Locked | Locked | Locked | Locked | Locked |
| Beacon Kalamazoo | $25,560 | Locked | Locked | Locked | Locked | Locked |
| Beacon Plainwell | – | Locked | Locked | Locked | Locked | Locked |
| Munson Healthcare Cadillac | $11,176 | Locked | Locked | Locked | Locked | Locked |
| Munson Healthcare Charlevoix Hospital | $20,610 | Locked | Locked | Locked | Locked | Locked |
| Munson Healthcare Grayling | $21,558 | Locked | Locked | Locked | Locked | Locked |
| Munson Healthcare Manistee Hospital | $21,558 | Locked | Locked | Locked | Locked | Locked |
| Munson Medical Center | $21,558 | Locked | Locked | Locked | Locked | Locked |
| Otsego Memorial Hospital | $21,558 | Locked | Locked | Locked | Locked | Locked |
| Paul Oliver Memorial Hospital | $20,610 | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 4%, fee schedules 45%, per diem 0%, percent of billed charges 22%, other 29% of Cigna's published commercial rates for these services in Michigan.
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 Michigan
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Blue Cross Blue Shield | 1,065 | 67% | $6,461 | 3.3% |
| Other insurers (regional and local plans) | 420 | 26% | $5,799 | 3.9% |
| UnitedHealthcare | 69 | 4% | $4,590 | 4.2% |
| Kaiser Permanente | 57 | 4% | $8,441 | 4.3% |
| Cigna | 47 | 3% | $5,134 | 10.0% |
| Aetna | 33 | 2% | $1,730 | 5.3% |
| Humana | 31 | 2% | $3,095 | 3.3% |
| Anthem (Elevance Health) | 6 | 0% | $6,102 | 2.5% |
Cigna in other states
FAQ
How many Michigan employers have Cigna health insurance?
47 employer health plans in Michigan reported a Cigna major-medical contract in their 2024 filings, covering 22,509 persons. Self-funded plans that Cigna only administers are not counted.
What is Cigna's share of the Michigan insured employer market?
3% of insured large employer health plans, 5th of 8 carrier groups by plan count.
How much do brokers earn on Cigna plans in Michigan?
Where broker or agent pay was reported, the median was 10.0% of premium (3.4% across all carriers in Michigan).
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 47 Michigan 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: 30 contracts with 20+ persons covered and a reported premium; broker percentages use the 34 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 Michigan hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.