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Association Health Plan

Cigna PPO Association Health Plan (AHP)

Affordable national health coverage for employers, sole proprietors, and professionals — powered by the national Cigna PPO network and the buying power of 60,000+ association members.

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Physician and patient discussing care
Female physician consulting with a patient
For Employers,
Sole Proprietors
& Professionals

National Cigna PPO Network

Access to quality care nationwide

Competitive Rates

Through the buying power of 60,000+ members

Designed for More Employers

Employers, sole proprietors and professionals

Cigna PPO Association Health Plan

Nationwide PPO Coverage for Employers, Sole Proprietors & Professionals

The Cigna PPO Association Health Plan (AHP) provides employers, sole proprietors, and professionals with access to the national Cigna PPO network through one of the country's largest professionally managed association health plans.

By leveraging the purchasing power of more than 60,000 association members, the plan delivers competitive pricing, comprehensive PPO benefits, and predictable monthly premiums — all while providing the simplicity of a traditional carrier health plan.

Unlike shopping for coverage as a small employer on your own, participating through the Association allows eligible businesses to benefit from the buying power and stability of a much larger group.

Available nationwide for groups with 1 to 99 employees (subject to state eligibility guidelines).

Cigna

Why choose the Cigna PPO Association Health Plan?

The plan combines thousands of employers, sole proprietors, and professionals into one professionally managed Association Health Plan representing more than 60,000 covered members. This membership base creates economies of scale that help deliver competitive premiums, stable renewals, and comprehensive nationwide coverage.

National Cigna PPO Network
Fixed premiums for 12 months
Rates remain unchanged regardless of effective date
Traditional PPO plan design
Simple employer administration
Multiple deductible options
Nationwide provider access
Fast underwriting
Available in all 50 states (subject to eligibility)

Since its inception, the plan has consistently maintained average annual rate increases in the single digits, providing employers with long-term budgeting stability.

A health plan that works like traditional insurance

From the employer's perspective, the Cigna PPO Association Health Plan functions much like a traditional fully insured health plan.

  • Pay one fixed monthly premium
  • Enroll your employees
  • Receive ID cards
  • Employees access the nationwide Cigna PPO network
  • Claims are professionally administered

There are:

  • No employer claims administration
  • No employer funding responsibilities beyond the monthly premium
  • No employer responsibility for catastrophic claims
  • No surprise assessments during the plan year

Everything is professionally managed by the Association and its third-party administrator.

Rate Guarantee

Fixed premiums for 12 months

Every employer receives a 12-month rate guarantee beginning on their effective date. Whether coverage starts in January or October, your premium remains fixed for your entire 12-month plan period. At renewal, rates are reviewed based on the Association's annual renewal process and any approved benefit changes. Enrolling at any time during the year is simple and predictable.

National PPO

National Cigna PPO network

  • Millions of participating physicians
  • Thousands of hospitals
  • National specialist network
  • Urgent care centers nationwide
  • Telemedicine services
  • Prescription drug coverage
  • Digital ID cards
  • Online member portal
  • Mobile app
  • Nationwide pharmacy network
Eligibility

Who is eligible?

EmployersSole ProprietorsProfessionalsPartnershipsLLCsCorporations
Group Size
1–99 Employees
Ideal Market
1–35 enrolled employees
Underwriting

Simple underwriting

Fewer than 10 enrolled employees

Complete a brief health questionnaire.

10 or more enrolled employees

May qualify for AI-powered census underwriting through Gradient, significantly reducing paperwork and accelerating approvals.

Plan options

Six PPO plan designs, so employers can select the coverage that best fits their workforce and budget.

1500 Classic

Rich benefits with lower deductibles and predictable office visit copays.

2500 Classic

Excellent balance between monthly premium and out-of-pocket costs.

3500 Classic

Lower monthly premiums while maintaining comprehensive PPO benefits.

5000 Classic

Designed for employers seeking lower premiums with traditional PPO coverage.

7350 Value

The most affordable PPO option, offering preventive care at 100% and lower monthly premiums.

5000 HSA

HSA-qualified high-deductible plan with pre-tax HSA contributions and national Cigna PPO access.

Cigna PPO Association Health Plan comparison

Side-by-side comparison of medical and prescription benefits.

Cigna

1500 Classic

$1,500

Individual Deductible

$3,000

Family Deductible

Medical Benefit

Individual Out-of-Pocket Maximum$7,350
Family Out-of-Pocket Maximum$14,700
Preventive Care100% (Deductible Waived)
Primary Care Visit$30 Copay
Specialist Visit$60 Copay
Chiropractic Care$20 Copay
Telemedicine$0 Copay (Fabric)
Urgent Care$60 Copay
Laboratory Services80% After Deductible
Diagnostic Testing80% After Deductible
Radiology (CT, MRI, PET, MRA, SPECT)80% After Deductible
Outpatient Surgery80% After Deductible
Emergency Room80% After Deductible
Inpatient Hospital80% After Deductible
Outpatient Hospital80% After Deductible
Out-of-Network CoveragePlan Pays 60% After OON Deductible
Lifetime MaximumNo Maximum

Prescription Tier

Generic$15 Copay
Preferred Brand$45 Copay
Non-Preferred Brand$85 Copay
Specialty Drugs50% Coinsurance
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Cigna

2500 Classic

$2,500

Individual Deductible

$5,000

Family Deductible

Medical Benefit

Individual Out-of-Pocket Maximum$7,350
Family Out-of-Pocket Maximum$14,700
Preventive Care100% (Deductible Waived)
Primary Care Visit$30 Copay
Specialist Visit$60 Copay
Chiropractic Care$20 Copay
Telemedicine$0 Copay (Fabric)
Urgent Care$60 Copay
Laboratory Services80% After Deductible
Diagnostic Testing80% After Deductible
Radiology (CT, MRI, PET, MRA, SPECT)80% After Deductible
Outpatient Surgery80% After Deductible
Emergency Room80% After Deductible
Inpatient Hospital80% After Deductible
Outpatient Hospital80% After Deductible
Out-of-Network CoveragePlan Pays 60% After OON Deductible
Lifetime MaximumNo Maximum

Prescription Tier

Generic$15 Copay
Preferred Brand$45 Copay
Non-Preferred Brand$85 Copay
Specialty Drugs50% Coinsurance
APPLY
Cigna

3500 Classic

$3,500

Individual Deductible

$7,000

Family Deductible

Medical Benefit

Individual Out-of-Pocket Maximum$7,350
Family Out-of-Pocket Maximum$14,700
Preventive Care100% (Deductible Waived)
Primary Care Visit$45 Copay
Specialist Visit$90 Copay
Chiropractic Care$20 Copay
Telemedicine$0 Copay (Fabric)
Urgent Care$90 Copay
Laboratory Services80% After Deductible
Diagnostic Testing80% After Deductible
Radiology (CT, MRI, PET, MRA, SPECT)80% After Deductible
Outpatient Surgery80% After Deductible
Emergency Room80% After Deductible
Inpatient Hospital80% After Deductible
Outpatient Hospital80% After Deductible
Out-of-Network CoveragePlan Pays 60% After OON Deductible
Lifetime MaximumNo Maximum

Prescription Tier

Generic$15 Copay
Preferred Brand$65 Copay
Non-Preferred Brand$100 Copay
Specialty Drugs50% Coinsurance
APPLY
Cigna

5000 Classic

$5,000

Individual Deductible

$10,000

Family Deductible

Medical Benefit

Individual Out-of-Pocket Maximum$7,350
Family Out-of-Pocket Maximum$14,700
Preventive Care100% (Deductible Waived)
Primary Care Visit$45 Copay
Specialist Visit$90 Copay
Chiropractic Care$20 Copay
Telemedicine$0 Copay (Fabric)
Urgent Care$90 Copay
Laboratory Services80% After Deductible
Diagnostic Testing80% After Deductible
Radiology (CT, MRI, PET, MRA, SPECT)80% After Deductible
Outpatient Surgery80% After Deductible
Emergency Room80% After Deductible
Inpatient Hospital80% After Deductible
Outpatient Hospital80% After Deductible
Out-of-Network CoveragePlan Pays 60% After OON Deductible
Lifetime MaximumNo Maximum

Prescription Tier

Generic$15 Copay
Preferred Brand$65 Copay
Non-Preferred Brand$100 Copay
Specialty Drugs50% Coinsurance
APPLY
Cigna

7350 Value

$7,350

Individual Deductible

$14,700

Family Deductible

Medical Benefit

Individual Out-of-Pocket Maximum$7,350
Family Out-of-Pocket Maximum$14,700
Preventive Care100% (Deductible Waived)
Primary Care VisitPlan Pays 80% After Deductible
Specialist VisitPlan Pays 80% After Deductible
Chiropractic Care$20 Copay
Telemedicine$0 Copay (Fabric)
Urgent Care$100 Copay
Laboratory Services100% After Deductible
Diagnostic Testing100% After Deductible
Radiology (CT, MRI, PET, MRA, SPECT)100% After Deductible
Outpatient Surgery100% After Deductible
Emergency Room100% After Deductible
Inpatient Hospital100% After Deductible
Outpatient Hospital100% After Deductible
Out-of-Network CoveragePlan Pays 60% After OON Deductible
Lifetime MaximumNo Maximum

Prescription Tier

Generic$15 Copay
Preferred Brand$65 Copay
Non-Preferred Brand$100 Copay
Specialty Drugs50% Coinsurance
APPLY
Cigna

5000 HSA

$5,000

Individual Deductible

$10,000

Family Deductible

Medical Benefit

Individual Out-of-Pocket Maximum$6,550
Family Out-of-Pocket Maximum$13,100
Preventive Care100% (Deductible Waived)
Primary Care VisitPlan Pays 80% After Deductible
Specialist VisitPlan Pays 80% After Deductible
Chiropractic Care$20 Copay
Telemedicine$0 Copay (Fabric)
Urgent Care80% After Deductible
Laboratory Services80% After Deductible
Diagnostic Testing80% After Deductible
Radiology (CT, MRI, PET, MRA, SPECT)80% After Deductible
Outpatient Surgery80% After Deductible
Emergency Room80% After Deductible
Inpatient Hospital80% After Deductible
Outpatient Hospital80% After Deductible
Out-of-Network CoveragePlan Pays 60% After OON Deductible
Lifetime MaximumNo Maximum

Prescription Tier

GenericAfter Deductible, $15 Copay
Preferred BrandAfter Deductible, $65 Copay
Non-Preferred BrandAfter Deductible, $100 Copay
Specialty Drugs50% Coinsurance After Deductible
APPLY

All plans include

  • National Cigna PPO Network
  • Preventive Care Covered at 100%
  • Fabric® Telemedicine ($0 Copay)
  • Prescription Drug Coverage
  • Nationwide Urgent Care
  • Emergency Services
  • Hospital Coverage
  • Mobile ID Cards
  • Online Member Portal
  • Care Management Programs
  • No Lifetime Maximum

Available to groups with 1–99 employees nationwide (subject to eligibility).

Frequently asked questions

Apply now

Apply for Cigna PPO Association Health Plan

Complete this short application and a Memberly specialist will follow up.

Plan Information

Business Information

Primary Contact

Upload Completed Personal Health Questionnaire (PHQ) (Optional)

Please upload your completed and signed Personal Health Questionnaire (PHQ).

Ready to get started?

Experience the advantages of the Cigna PPO AHP

Give your employees access to one of the nation's most recognized PPO networks while enjoying competitive premiums, predictable costs, and the convenience of a professionally managed Association Health Plan.

Request Your Free ProposalCheck Your Eligibility
  • National Cigna PPO Network
  • Fixed Premiums for 12 Months
  • Groups from 1–99 Employees
  • Available Nationwide*
  • Fast Underwriting
  • Multiple PPO Plan Options

Plan Disclosure: This is an association-sponsored health plan and is not a health insurance policy issued or underwritten by Cigna. Cigna provides access to its PPO network and/or related services as applicable. Eligibility, availability, benefits, rates, underwriting requirements, and plan terms are determined by the applicable plan sponsor and governing plan documents. Cigna and the Cigna logo are trademarks of their respective owner. In the event of any discrepancy, the official plan documents shall govern.