Cigna employer health plans in Texas
Who Cigna insures among Texas 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 Texas at a glance
What the data shows
Cigna insures 654 employer health plans in Texas (18% of 3,599 insured large plans), 3rd of 8 carrier groups; Blue Cross Blue Shield (1,804), UnitedHealthcare (734) hold more.
Cigna has grown 19% in Texas since 2020, from 551 plans.
Most of these plans cover 100–499 people (391 plans); 85 cover 1,000 or more.
Median premium per person covered was $2,700, 54% below the Texas all-carrier median of $5,901. Benefit design and group mix differ, so this is not a price comparison.
83% of these plans reported broker or agent pay on their Cigna contracts; where paid, the median was 7.7% of premium (middle half 4.7%–11.5%).
In Cigna national PPO, 32 of the 50 Employer 50 services have a Texas benchmark, at a median of 151% of Medicare across those services.
At Texas hospitals, Cigna's commercial rates run higher than other carriers' at the same hospital for 14 of 17 services; a hip or knee replacement stay has a median rate of $28,671 across 114 hospitals.
Cigna plans in Texas, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 551 | 433,579 | 17% | $2,407 |
| 2021 | 543 | 433,646 | 17% | $2,542 |
| 2022 | 593 | 467,571 | 17% | $2,865 |
| 2023 | 635 | 872,062 | 17% | $3,101 |
| 2024 | 654 | 533,133 | 18% | $2,700 |
| 2025 (partial) | 504 | 480,181 | 20% | $2,714 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 93 | 14% |
| 100–499 | 391 | 60% |
| 500–999 | 83 | 13% |
| 1,000–4,999 | 68 | 10% |
| 5,000 or more | 17 | 3% |
Premiums and broker pay
| Measure | Cigna | All carriers, Texas |
|---|---|---|
| Median premium per person covered | $2,700 | $5,901 |
| Premium per person, middle half | $796–$7,060 | $4,055–$7,555 |
| Plans reporting broker or agent pay | 83% | 85% |
| Median broker pay, % of premium | 7.7% | 4.8% |
| Broker pay, middle half | 4.7%–11.5% | 3.4%–6.0% |
| Median broker pay per person covered | $285 | $258 |
Industries
Cigna's Texas employer clients are concentrated in professional and technical services (128 plans) and manufacturing (117), followed by construction (52).
| Industry | Plans | Share |
|---|---|---|
| Professional and technical services | 128 | 20% |
| Manufacturing | 117 | 18% |
| Construction | 52 | 8% |
| Health care and social assistance | 46 | 7% |
| Wholesale trade | 38 | 6% |
| Finance and insurance | 37 | 6% |
Cigna employer clients in Texas
640 employers in Texas have a Cigna major-medical contract, 85 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 Texas
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Diagnostic heart catheterization with coronary angiography | 93458 | $399 | $344–$517 | 139% | $330 | 92 |
| Echocardiogram, transthoracic complete with Doppler | 93306 | $96 | $78–$107 | 143% | $77 | 93 |
| Electrocardiogram (EKG), complete | 93000 | $21 | $17–$30 | 136% | $19 | 94 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $74 | $62–$120 | 100% | $77 | 92 |
| Treadmill stress test, complete | 93015 | $95 | $84–$140 | 130% | $82 | 94 |
| Colonoscopy (diagnostic, with biopsy, with polyp removal) | 45378 | $336 | $279–$368 | 204% | $393 | 11 |
| Cataract removal with lens implant | 66984 | $664 | $506–$743 | 143% | $632 | 99 |
| Abdominal ultrasound, complete | 76700 | $61 | $42–$81 | 164% | $47 | 129 |
| Bone density scan (DXA), axial | 77080 | $15 | $11–$21 | 160% | $12 | 128 |
| CT abdomen and pelvis with contrast | 74177 | $128 | $92–$179 | 153% | $108 | 126 |
| CT chest without contrast | 71250 | $79 | $54–$108 | 160% | $67 | 128 |
| Chest X-ray, 2 views | 71046 | $16 | $11–$21 | 159% | $12 | 124 |
| MRI brain without and with contrast | 70553 | $169 | $115–$226 | 161% | $147 | 128 |
| MRI cervical spine without contrast | 72141 | $111 | $75–$147 | 164% | $106 | 128 |
| MRI knee (lower-extremity joint) without contrast | 73721 | $98 | $68–$133 | 156% | $99 | 128 |
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 Texas
Cigna commercial rates are on record at 207 Texas 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 14 of 17 services and lower for 2. For MRI, lower back, the rate runs from $207 to $2,812 across 62 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) | 114 | $28,671 | $17,394–$56,557 | Lower | – |
| C-section delivery (hospital stay) | 111 | Locked | Locked | Higher | Locked |
| Vaginal delivery (hospital stay) | 118 | Locked | Locked | About the same | Locked |
| MRI, lower back | 62 | $1,973 | $207–$2,812 | Higher | $3,228 |
| MRI, knee | 58 | Locked | Locked | Higher | Locked |
| CT, head | 66 | Locked | Locked | Higher | Locked |
| CT, abdomen and pelvis | 62 | Locked | Locked | Higher | Locked |
| Screening mammogram | 73 | Locked | Locked | Higher | Locked |
| Colonoscopy, diagnostic | 71 | Locked | Locked | Higher | Locked |
| Upper GI endoscopy with biopsy | 71 | Locked | Locked | Higher | Locked |
| Knee arthroscopy | 77 | Locked | Locked | Higher | Locked |
| Cataract surgery | 78 | Locked | Locked | Higher | Locked |
| Gallbladder removal, laparoscopic | 79 | Locked | Locked | Higher | Locked |
| Knee replacement, outpatient | 70 | Locked | Locked | Lower | Locked |
| Emergency visit, level 4 | 58 | $3,244 | $1,683–$4,680 | Higher | $3,587 |
| Comprehensive metabolic panel | 89 | Locked | Locked | Higher | Locked |
| Complete blood count | 89 | 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 |
|---|---|---|---|---|---|---|
| Baylor St. Luke's Medical Center Bertner | $28,137 | Locked | Locked | Locked | Locked | Locked |
| Chi St. Luke's Health - Lakeside Hospital | $28,137 | Locked | Locked | Locked | Locked | Locked |
| Christus Hospital Orange | $16,489 | Locked | Locked | Locked | Locked | Locked |
| Christus Santa Rosa Hospital San Marcos | $19,722 | Locked | Locked | Locked | Locked | Locked |
| Christus Southeast Texas St. Elizabeth | $16,489 | Locked | Locked | Locked | Locked | Locked |
| Hca Houston Healthcare Clear Lake | $17,943 | Locked | Locked | Locked | Locked | Locked |
| Hca Houston Healthcare Conroe | $17,943 | Locked | Locked | Locked | Locked | Locked |
| Hca Houston Healthcare Kingwood | $29,516 | Locked | Locked | Locked | Locked | Locked |
| Hca Houston Healthcare Medical Center | $17,943 | Locked | Locked | Locked | Locked | Locked |
| Hca Houston Healthcare Northwest Medical Center | $31,445 | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 49%, fee schedules 25%, per diem 3%, percent of billed charges 18%, other 6% of Cigna's published commercial rates for these services in Texas.
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 Texas
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Blue Cross Blue Shield | 1,804 | 50% | $6,240 | 4.3% |
| UnitedHealthcare | 734 | 20% | $5,375 | 5.1% |
| Cigna | 654 | 18% | $2,700 | 7.7% |
| Other insurers (regional and local plans) | 350 | 10% | $3,674 | 6.0% |
| Kaiser Permanente | 271 | 8% | $9,124 | 3.9% |
| Aetna | 190 | 5% | $6,075 | 3.9% |
| Anthem (Elevance Health) | 33 | 1% | $6,897 | 4.8% |
| Humana | 11 | 0% | $3,665 | 5.3% |
Cigna in other states
FAQ
How many Texas employers have Cigna health insurance?
654 employer health plans in Texas reported a Cigna major-medical contract in their 2024 filings, covering 533,133 persons. Self-funded plans that Cigna only administers are not counted.
What is Cigna's share of the Texas insured employer market?
18% of insured large employer health plans, 3rd of 8 carrier groups by plan count.
How much do brokers earn on Cigna plans in Texas?
Where broker or agent pay was reported, the median was 7.7% of premium (4.8% across all carriers in Texas).
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 654 Texas 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: 613 contracts with 20+ persons covered and a reported premium; broker percentages use the 542 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 Texas hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.