Cigna employer health plans in New Jersey
Who Cigna insures among New Jersey 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 New Jersey at a glance
What the data shows
Cigna is the largest insurer of employer health plans in New Jersey: 389 plans held a Cigna major-medical contract in form year 2024, 36% of the state's 1,074 insured large plans, ahead of Blue Cross Blue Shield with 292.
Cigna has grown 7% in New Jersey since 2020, from 362 plans.
Most of these plans cover 100–499 people (257 plans); 52 cover 1,000 or more.
Median premium per person covered was $5,225, 34% below the New Jersey all-carrier median of $7,958. Benefit design and group mix differ, so this is not a price comparison.
80% of these plans reported broker or agent pay on their Cigna contracts; where paid, the median was 6.1% of premium (middle half 3.8%–9.6%).
In Cigna national PPO, 34 of the 50 Employer 50 services have a New Jersey benchmark, at a median of 145% of Medicare across those services.
At New Jersey hospitals, Cigna's commercial rates run higher than other carriers' at the same hospital for 8 of 17 services; a hip or knee replacement stay has a median rate of $32,505 across 29 hospitals.
Cigna plans in New Jersey, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 362 | 241,146 | 33% | $5,308 |
| 2021 | 354 | 223,053 | 33% | $6,631 |
| 2022 | 384 | 255,026 | 36% | $6,833 |
| 2023 | 408 | 305,751 | 38% | $5,600 |
| 2024 | 389 | 575,028 | 36% | $5,225 |
| 2025 (partial) | 293 | 179,751 | 39% | $5,738 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 43 | 11% |
| 100–499 | 257 | 66% |
| 500–999 | 36 | 9% |
| 1,000–4,999 | 41 | 11% |
| 5,000 or more | 11 | 3% |
Premiums and broker pay
| Measure | Cigna | All carriers, New Jersey |
|---|---|---|
| Median premium per person covered | $5,225 | $7,958 |
| Premium per person, middle half | $984–$11,284 | $3,994–$12,173 |
| Plans reporting broker or agent pay | 80% | 73% |
| Median broker pay, % of premium | 6.1% | 4.7% |
| Broker pay, middle half | 3.8%–9.6% | 3.0%–6.3% |
| Median broker pay per person covered | $381 | $365 |
Industries
Cigna's New Jersey employer clients are concentrated in manufacturing (79 plans) and professional and technical services (78), followed by wholesale trade (38).
| Industry | Plans | Share |
|---|---|---|
| Manufacturing | 79 | 20% |
| Professional and technical services | 78 | 20% |
| Wholesale trade | 38 | 10% |
| Health care and social assistance | 30 | 8% |
| Finance and insurance | 27 | 7% |
| Retail trade | 22 | 6% |
Cigna employer clients in New Jersey
374 employers in New Jersey have a Cigna major-medical contract, 52 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 New Jersey
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Diagnostic heart catheterization with coronary angiography | 93458 | $409 | $278–$630 | 142% | $337 | 87 |
| Echocardiogram, transthoracic complete with Doppler | 93306 | $93 | $66–$136 | 138% | $81 | 87 |
| Electrocardiogram (EKG), complete | 93000 | $22 | $14–$38 | 146% | $22 | 87 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $104 | $57–$147 | 140% | $82 | 87 |
| Treadmill stress test, complete | 93015 | $106 | $72–$170 | 144% | $106 | 87 |
| Skin biopsy, single lesion (tangential) | 11102 | $204 | $164–$291 | 213% | $139 | 10 |
| Colonoscopy (diagnostic, with biopsy, with polyp removal) | 45378 | $445 | $379–$622 | 270% | $463 | 12 |
| Upper GI endoscopy (diagnostic, with biopsy) | 43239 | $390 | $280–$472 | 315% | $224 | 12 |
| Cataract removal with lens implant | 66984 | $439 | $439–$712 | 95% | $616 | 101 |
| Abdominal ultrasound, complete | 76700 | $54 | $30–$74 | 144% | $49 | 174 |
| Bone density scan (DXA), axial | 77080 | $14 | $7–$20 | 146% | $13 | 173 |
| CT abdomen and pelvis with contrast | 74177 | $123 | $65–$171 | 146% | $96 | 173 |
| CT chest without contrast | 71250 | $70 | $39–$99 | 142% | $60 | 173 |
| Chest X-ray, 2 views | 71046 | $15 | $8–$20 | 145% | $13 | 172 |
| MRI brain without and with contrast | 70553 | $153 | $82–$216 | 145% | $126 | 173 |
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 New Jersey
Cigna commercial rates are on record at 45 New Jersey 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 8 of 17 services and lower for 8. For Emergency visit, level 4, the rate runs from $584 to $3,943 across 10 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) | 29 | $32,505 | $23,288–$54,985 | Lower | $3,629 |
| C-section delivery (hospital stay) | 32 | Locked | Locked | About the same | Locked |
| Vaginal delivery (hospital stay) | 31 | Locked | Locked | Higher | Locked |
| MRI, lower back | 9 | $377 | $224–$470 | Lower | $29,346 |
| MRI, knee | 10 | Locked | Locked | Lower | Locked |
| CT, head | 9 | Locked | Locked | Lower | Locked |
| CT, abdomen and pelvis | 9 | Locked | Locked | Lower | Locked |
| Screening mammogram | 19 | Locked | Locked | Higher | Locked |
| Colonoscopy, diagnostic | 18 | Locked | Locked | Lower | Locked |
| Upper GI endoscopy with biopsy | 18 | Locked | Locked | Lower | Locked |
| Knee arthroscopy | 17 | Locked | Locked | Higher | Locked |
| Cataract surgery | 16 | Locked | Locked | Higher | Locked |
| Gallbladder removal, laparoscopic | 18 | Locked | Locked | Higher | Locked |
| Knee replacement, outpatient | 13 | Locked | Locked | Higher | Locked |
| Emergency visit, level 4 | 10 | $850 | $584–$3,943 | Lower | $2,966 |
| Comprehensive metabolic panel | 21 | Locked | Locked | Higher | Locked |
| Complete blood count | 20 | 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 |
|---|---|---|---|---|---|---|
| Bristol Myers Squibb Childrens Hospital | $27,538 | Locked | Locked | Locked | Locked | Locked |
| Childrens Hospital Of New Jersey - Newark | $27,590 | Locked | Locked | Locked | Locked | Locked |
| Clara Maass Medical Center | $27,351 | Locked | Locked | Locked | Locked | Locked |
| Community Medical Center | $26,413 | Locked | Locked | Locked | Locked | Locked |
| Cooperman Barnabas Medical Center | $31,430 | Locked | Locked | Locked | Locked | Locked |
| Jefferson Washington Township Hospital | $33,437 | Locked | Locked | Locked | Locked | Locked |
| Jersey City Medical Center | $33,705 | Locked | Locked | Locked | Locked | Locked |
| Monmouth Medical Center | $32,505 | Locked | Locked | Locked | Locked | Locked |
| Monmouth Medical Center Southern Campus | $30,555 | Locked | Locked | Locked | Locked | Locked |
| Trinitas Regional Medical Center – New Point Campus | $23,288 | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 47%, fee schedules 12%, per diem 0%, percent of billed charges 9%, other 32% of Cigna's published commercial rates for these services in New Jersey.
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 New Jersey
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Cigna | 389 | 36% | $5,225 | 6.1% |
| Blue Cross Blue Shield | 292 | 27% | $12,018 | 4.4% |
| UnitedHealthcare | 181 | 17% | $7,187 | 4.8% |
| Aetna | 158 | 15% | $6,883 | 3.3% |
| Other insurers (regional and local plans) | 135 | 13% | $6,086 | 5.9% |
| Kaiser Permanente | 129 | 12% | $8,788 | 3.7% |
| Anthem (Elevance Health) | 16 | 1% | $7,626 | 3.2% |
| Humana | 7 | 1% | $2,415 | 2.2% |
Cigna in other states
FAQ
How many New Jersey employers have Cigna health insurance?
389 employer health plans in New Jersey reported a Cigna major-medical contract in their 2024 filings, covering 575,028 persons. Self-funded plans that Cigna only administers are not counted.
What is Cigna's share of the New Jersey insured employer market?
36% of insured large employer health plans, 1st of 8 carrier groups by plan count.
How much do brokers earn on Cigna plans in New Jersey?
Where broker or agent pay was reported, the median was 6.1% of premium (4.7% across all carriers in New Jersey).
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 389 New Jersey 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: 371 contracts with 20+ persons covered and a reported premium; broker percentages use the 313 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 New Jersey hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.