Cigna employer health plans in Washington
Who Cigna insures among Washington 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 Washington at a glance
What the data shows
Cigna insures 65 employer health plans in Washington (9% of 759 insured large plans), 5th of 8 carrier groups; Blue Cross Blue Shield (289), Kaiser Permanente (281) hold more.
Cigna has shrunk 18% in Washington since 2020, from 79 plans, as insured plans moved carrier or to self-funding.
Most of these plans cover 100–499 people (46 plans); 2 cover 1,000 or more.
Median premium per person covered was $4,379, 43% below the Washington all-carrier median of $7,632. 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 5.3% of premium (middle half 3.2%–10.7%).
In Cigna national PPO, 29 of the 50 Employer 50 services have a Washington benchmark, at a median of 198% of Medicare across those services.
At Washington hospitals, Cigna's commercial rates run higher than other carriers' at the same hospital for 12 of 17 services; a hip or knee replacement stay has a median rate of $36,315 across 22 hospitals.
Cigna plans in Washington, 2020–2024
| Form year | Plans | Persons covered | Share of state | Median premium / person |
|---|---|---|---|---|
| 2020 | 79 | 27,010 | 9% | $3,161 |
| 2021 | 76 | 23,634 | 9% | $2,313 |
| 2022 | 70 | 23,172 | 8% | $4,329 |
| 2023 | 62 | 23,306 | 7% | $4,857 |
| 2024 | 65 | 24,841 | 9% | $4,379 |
| 2025 (partial) | 59 | 35,021 | 12% | $4,097 |
Plan size
| Persons covered | Plans | Share |
|---|---|---|
| Under 100 | 13 | 20% |
| 100–499 | 46 | 71% |
| 500–999 | 3 | 5% |
| 1,000–4,999 | 1 | 2% |
| 5,000 or more | 1 | 2% |
Premiums and broker pay
| Measure | Cigna | All carriers, Washington |
|---|---|---|
| Median premium per person covered | $4,379 | $7,632 |
| Premium per person, middle half | $1,493–$10,156 | $6,042–$10,523 |
| Plans reporting broker or agent pay | 83% | 78% |
| Median broker pay, % of premium | 5.3% | 4.0% |
| Broker pay, middle half | 3.2%–10.7% | 2.4%–5.1% |
| Median broker pay per person covered | $298 | $298 |
Industries
Cigna's Washington employer clients are concentrated in professional and technical services (17 plans) and manufacturing (12), followed by other services (5).
| Industry | Plans | Share |
|---|---|---|
| Professional and technical services | 17 | 26% |
| Manufacturing | 12 | 18% |
| Other services | 5 | 8% |
| Health care and social assistance | 4 | 6% |
| Construction | 4 | 6% |
| Retail trade | 4 | 6% |
Cigna employer clients in Washington
65 employers in Washington have a Cigna major-medical contract, 2 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 Washington
| Service | Code | Median | Middle half | % of Medicare | Other networks, median | Provider groups |
|---|---|---|---|---|---|---|
| Diagnostic heart catheterization with coronary angiography | 93458 | $543 | $392–$757 | 189% | $542 | 73 |
| Echocardiogram, transthoracic complete with Doppler | 93306 | $127 | $95–$185 | 189% | $131 | 73 |
| Electrocardiogram (EKG), complete | 93000 | $29 | $22–$40 | 191% | $28 | 73 |
| Nuclear stress test (SPECT myocardial perfusion) | 78452 | $143 | $103–$204 | 192% | $146 | 73 |
| Treadmill stress test, complete | 93015 | $139 | $93–$201 | 190% | $132 | 73 |
| Cataract removal with lens implant | 66984 | $759 | $667–$998 | 164% | $772 | 77 |
| Abdominal ultrasound, complete | 76700 | $73 | $51–$88 | 196% | $59 | 105 |
| Bone density scan (DXA), axial | 77080 | $18 | $13–$22 | 195% | $15 | 105 |
| CT abdomen and pelvis with contrast | 74177 | $166 | $108–$242 | 198% | $137 | 105 |
| CT chest without contrast | 71250 | $99 | $63–$144 | 200% | $84 | 105 |
| Chest X-ray, 2 views | 71046 | $21 | $14–$24 | 205% | $16 | 104 |
| MRI brain without and with contrast | 70553 | $209 | $135–$305 | 198% | $172 | 105 |
| MRI cervical spine without contrast | 72141 | $135 | $88–$197 | 198% | $118 | 105 |
| MRI knee (lower-extremity joint) without contrast | 73721 | $121 | $80–$175 | 193% | $109 | 105 |
| MRI lumbar spine without contrast | 72148 | $133 | $88–$193 | 195% | $118 | 105 |
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 Washington
Cigna commercial rates are on record at 43 Washington 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 12 of 17 services and lower for 4. For MRI, lower back, the rate runs from $519 to $1,144 across 21 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) | 22 | $36,315 | $30,711–$53,505 | Lower | – |
| C-section delivery (hospital stay) | 22 | Locked | Locked | Lower | Locked |
| Vaginal delivery (hospital stay) | 22 | Locked | Locked | Lower | Locked |
| MRI, lower back | 21 | $763 | $519–$1,144 | About the same | $1,329 |
| MRI, knee | 16 | Locked | Locked | Higher | Locked |
| CT, head | 22 | Locked | Locked | Higher | Locked |
| CT, abdomen and pelvis | 22 | Locked | Locked | Higher | Locked |
| Screening mammogram | 22 | Locked | Locked | Higher | Locked |
| Colonoscopy, diagnostic | 23 | Locked | Locked | Higher | Locked |
| Upper GI endoscopy with biopsy | 23 | Locked | Locked | Higher | Locked |
| Knee arthroscopy | 21 | Locked | Locked | Higher | Locked |
| Cataract surgery | 22 | Locked | Locked | Higher | Locked |
| Gallbladder removal, laparoscopic | 16 | Locked | Locked | Higher | Locked |
| Knee replacement, outpatient | 17 | Locked | Locked | Lower | Locked |
| Emergency visit, level 4 | 12 | $1,754 | $1,754–$3,555 | Higher | $1,103 |
| Comprehensive metabolic panel | 25 | Locked | Locked | Higher | Locked |
| Complete blood count | 25 | 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 |
|---|---|---|---|---|---|---|
| Kadlec Regional Medical Center | $51,157 | Locked | Locked | Locked | Locked | Locked |
| Multicare Deaconess Hospital | $30,711 | Locked | Locked | Locked | Locked | Locked |
| Multicare Valley Hospital | $30,711 | Locked | Locked | Locked | Locked | Locked |
| Overlake Hospital Medical Center | $37,990 | Locked | Locked | Locked | Locked | Locked |
| Providence Holy Family Hospital | $37,993 | Locked | Locked | Locked | Locked | Locked |
| Providence Regional Medical Center Everett | $57,791 | Locked | Locked | Locked | Locked | Locked |
| Providence Sacred Heart Medical Center | $50,875 | Locked | Locked | Locked | Locked | Locked |
| Providence St. Peter Hospital | $54,195 | Locked | Locked | Locked | Locked | Locked |
| Swedish Medical Center - Cherry Hill Campus | $53,505 | Locked | Locked | Locked | Locked | Locked |
| Swedish Medical Center - Edmonds | $53,505 | Locked | Locked | Locked | Locked | Locked |
How the contracts are written: case rates 8%, fee schedules 52%, per diem 1%, percent of billed charges 17%, other 22% of Cigna's published commercial rates for these services in Washington.
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 Washington
| Carrier | Plans | Share | Median premium / person | Median broker % |
|---|---|---|---|---|
| Blue Cross Blue Shield | 289 | 38% | $7,473 | 4.3% |
| Kaiser Permanente | 281 | 37% | $9,261 | 3.1% |
| UnitedHealthcare | 101 | 13% | $6,470 | 4.1% |
| Aetna | 71 | 9% | $7,274 | 4.0% |
| Cigna | 65 | 9% | $4,379 | 5.3% |
| Other insurers (regional and local plans) | 60 | 8% | $6,042 | 3.6% |
| Humana | 5 | 1% | $4,347 | – |
| Anthem (Elevance Health) | 1 | 0% | $238 | – |
Cigna in other states
FAQ
How many Washington employers have Cigna health insurance?
65 employer health plans in Washington reported a Cigna major-medical contract in their 2024 filings, covering 24,841 persons. Self-funded plans that Cigna only administers are not counted.
What is Cigna's share of the Washington insured employer market?
9% of insured large employer health plans, 5th of 8 carrier groups by plan count.
How much do brokers earn on Cigna plans in Washington?
Where broker or agent pay was reported, the median was 5.3% of premium (4.0% across all carriers in Washington).
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 65 Washington 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: 54 contracts with 20+ persons covered and a reported premium; broker percentages use the 54 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 Washington hospitals; stay and facility prices only.
- Full method and limits: how the employer health plan data is built.