Cigna employer health plans in Virginia
Who Cigna insures among Virginia 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 Virginia at a glance
What the data shows
Cigna is the largest insurer of employer health plans in Virginia: 380 plans held a Cigna major-medical contract in form year 2024, 31% of the state's 1,209 insured large plans, ahead of Anthem (Elevance Health) with 282.
Cigna has grown 7% in Virginia since 2020, from 356 plans.
Most of these plans cover 100–499 people (211 plans); 49 cover 1,000 or more.
Median premium per person covered was $7,544, 9% above the Virginia all-carrier median of $6,940. Benefit design and group mix differ, so this is not a price comparison.
88% of these plans reported broker or agent pay on their Cigna contracts; where paid, the median was 5.0% of premium (middle half 3.1%–8.3%).
In Cigna national PPO, 30 of the 50 Employer 50 services have a Virginia benchmark, at a median of 150% of Medicare across those services.
At Virginia hospitals, Cigna's commercial rates run higher than other carriers' at the same hospital for 15 of 17 services; a hip or knee replacement stay has a median rate of $35,693 across 24 hospitals.
Cigna plans in Virginia, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 356 | 275,652 | 29% | $7,564 |
| 2021 | 373 | 232,740 | 31% | $7,246 |
| 2022 | 384 | 243,107 | 32% | $7,397 |
| 2023 | 370 | 251,430 | 29% | $7,857 |
| 2024 | 380 | 267,871 | 31% | $7,544 |
| 2025 (partial) | 249 | 189,932 | 34% | $8,185 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 75 | 20% |
| 100–499 | 211 | 56% |
| 500–999 | 43 | 11% |
| 1,000–4,999 | 43 | 11% |
| 5,000 or more | 6 | 2% |
Premiums and broker pay
| Measure | Cigna | All carriers, Virginia |
|---|---|---|
| Median premium per person covered | $7,544 | $6,940 |
| Premium per person, middle half | $2,832–$11,445 | $4,522–$10,219 |
| Plans reporting broker or agent pay | 88% | 79% |
| Median broker pay, % of premium | 5.0% | 3.9% |
| Broker pay, middle half | 3.1%–8.3% | 2.5%–5.7% |
| Median broker pay per person covered | $340 | $255 |
Industries
Cigna's Virginia employer clients are concentrated in professional and technical services (174 plans) and manufacturing (38), followed by health care and social assistance (22).
| Industry | Plans | Share |
|---|---|---|
| Professional and technical services | 174 | 46% |
| Manufacturing | 38 | 10% |
| Health care and social assistance | 22 | 6% |
| Information | 21 | 6% |
| Construction | 20 | 5% |
| Other services | 19 | 5% |
Cigna employer clients in Virginia
363 employers in Virginia have a Cigna major-medical contract, 49 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 Virginia
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Diagnostic heart catheterization with coronary angiography | 93458 | $435 | $330–$516 | 151% | $412 | 91 |
| Echocardiogram, transthoracic complete with Doppler | 93306 | $101 | $76–$113 | 149% | $95 | 93 |
| Electrocardiogram (EKG), complete | 93000 | $26 | $17–$33 | 169% | $23 | 92 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $109 | $75–$123 | 146% | $91 | 92 |
| Treadmill stress test, complete | 93015 | $122 | $86–$141 | 166% | $106 | 92 |
| Colonoscopy (diagnostic, with biopsy, with polyp removal) | 45378 | $719 | $307–$789 | 436% | $346 | 12 |
| Upper GI endoscopy (diagnostic, with biopsy) | 43235 | $579 | $300–$704 | 524% | $207 | 13 |
| Cataract removal with lens implant | 66984 | $569 | $501–$711 | 123% | $613 | 85 |
| Abdominal ultrasound, complete | 76700 | $55 | $42–$71 | 147% | $52 | 171 |
| Bone density scan (DXA), axial | 77080 | $14 | $10–$18 | 150% | $13 | 169 |
| CT abdomen and pelvis with contrast | 74177 | $125 | $86–$161 | 149% | $116 | 169 |
| CT chest without contrast | 71250 | $75 | $51–$95 | 152% | $70 | 171 |
| Chest X-ray, 2 views | 71046 | $15 | $11–$19 | 150% | $14 | 166 |
| MRI brain without and with contrast | 70553 | $156 | $108–$200 | 148% | $153 | 172 |
| MRI cervical spine without contrast | 72141 | $105 | $71–$131 | 155% | $118 | 172 |
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 Virginia
Cigna commercial rates are on record at 37 Virginia 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 15 of 17 services and lower for 1. For MRI, lower back, the rate runs from $985 to $5,370 across 6 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) | 24 | $35,693 | $17,700–$42,876 | About the same | – |
| C-section delivery (hospital stay) | 22 | Locked | Locked | Higher | Locked |
| Vaginal delivery (hospital stay) | 22 | Locked | Locked | Higher | Locked |
| MRI, lower back | 6 | $5,370 | $985–$5,370 | Higher | – |
| MRI, knee | 6 | Locked | Locked | Higher | Locked |
| CT, head | 5 | Locked | Locked | Higher | Locked |
| CT, abdomen and pelvis | 5 | Locked | Locked | Higher | Locked |
| Screening mammogram | 11 | Locked | Locked | Higher | Locked |
| Colonoscopy, diagnostic | 15 | Locked | Locked | Higher | Locked |
| Upper GI endoscopy with biopsy | 16 | Locked | Locked | Higher | Locked |
| Knee arthroscopy | 16 | Locked | Locked | Higher | Locked |
| Cataract surgery | 16 | Locked | Locked | Higher | Locked |
| Gallbladder removal, laparoscopic | 13 | Locked | Locked | Lower | Locked |
| Knee replacement, outpatient | 14 | Locked | Locked | Higher | Locked |
| Emergency visit, level 4 | 7 | $3,708 | $3,392–$3,708 | Higher | $4,337 |
| Comprehensive metabolic panel | 18 | Locked | Locked | Higher | Locked |
| Complete blood count | 19 | 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 |
|---|---|---|---|---|---|---|
| Chippenham Hospital | $42,876 | Locked | Locked | Locked | Locked | Locked |
| Dominion Hospital | $42,876 | Locked | Locked | Locked | Locked | Locked |
| Henrico Doctors' Hospital | $42,876 | Locked | Locked | Locked | Locked | Locked |
| Reston Hospital Center | $25,224 | Locked | Locked | Locked | Locked | Locked |
| Sentara Leigh Hospital | $38,219 | Locked | Locked | Locked | Locked | Locked |
| Sentara Norfolk General Hospital | $43,036 | Locked | Locked | Locked | Locked | Locked |
| Sentara Northern Virginia Medical Center | $21,989 | Locked | Locked | Locked | Locked | Locked |
| Sentara Princess Anne Hospital | $37,166 | Locked | Locked | Locked | Locked | Locked |
| Sentara Virginia Beach General Hospital | $36,115 | Locked | Locked | Locked | Locked | Locked |
| Spotsylvania Regional Medical Center | $25,224 | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 20%, fee schedules 9%, per diem 1%, percent of billed charges 69%, other 0% of Cigna's published commercial rates for these services in Virginia.
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 Virginia
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Cigna | 380 | 31% | $7,544 | 5.0% |
| Anthem (Elevance Health) | 282 | 23% | $6,999 | 2.8% |
| UnitedHealthcare | 212 | 18% | $5,957 | 4.2% |
| Other insurers (regional and local plans) | 191 | 16% | $7,246 | 3.1% |
| Blue Cross Blue Shield | 177 | 15% | $7,133 | 4.9% |
| Kaiser Permanente | 157 | 13% | $7,961 | 3.6% |
| Aetna | 103 | 9% | $5,386 | 3.2% |
| Humana | 4 | 0% | $1,538 | 3.1% |
Cigna in other states
FAQ
How many Virginia employers have Cigna health insurance?
380 employer health plans in Virginia reported a Cigna major-medical contract in their 2024 filings, covering 267,871 persons. Self-funded plans that Cigna only administers are not counted.
What is Cigna's share of the Virginia insured employer market?
31% of insured large employer health plans, 1st of 8 carrier groups by plan count.
How much do brokers earn on Cigna plans in Virginia?
Where broker or agent pay was reported, the median was 5.0% of premium (3.9% across all carriers in Virginia).
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 380 Virginia 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: 351 contracts with 20+ persons covered and a reported premium; broker percentages use the 333 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 Virginia hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.