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.
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).
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.
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.
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 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
Who is eligible?
- Group Size
- 1–99 Employees
- Ideal Market
- 1–35 enrolled employees
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.
| Medical Benefit | 1500 Classic | 2500 Classic | 3500 Classic | 5000 Classic | 7350 Value | 5000 HSA |
|---|---|---|---|---|---|---|
| Individual Deductible | $1,500 | $2,500 | $3,500 | $5,000 | $7,350 | $5,000 |
| Family Deductible | $3,000 | $5,000 | $7,000 | $10,000 | $14,700 | $10,000 |
| Individual Out-of-Pocket Maximum | $7,350 | $7,350 | $7,350 | $7,350 | $7,350 | $6,550 |
| Family Out-of-Pocket Maximum | $14,700 | $14,700 | $14,700 | $14,700 | $14,700 | $13,100 |
| Preventive Care | 100% (Deductible Waived) | 100% (Deductible Waived) | 100% (Deductible Waived) | 100% (Deductible Waived) | 100% (Deductible Waived) | 100% (Deductible Waived) |
| Primary Care Visit | $30 Copay | $30 Copay | $45 Copay | $45 Copay | Plan Pays 80% After Deductible | Plan Pays 80% After Deductible |
| Specialist Visit | $60 Copay | $60 Copay | $90 Copay | $90 Copay | Plan Pays 80% After Deductible | Plan Pays 80% After Deductible |
| Chiropractic Care | $20 Copay | $20 Copay | $20 Copay | $20 Copay | $20 Copay | $20 Copay |
| Telemedicine | $0 Copay (Fabric) | $0 Copay (Fabric) | $0 Copay (Fabric) | $0 Copay (Fabric) | $0 Copay (Fabric) | $0 Copay (Fabric) |
| Urgent Care | $60 Copay | $60 Copay | $90 Copay | $90 Copay | $100 Copay | 80% After Deductible |
| Laboratory Services | 80% After Deductible | 80% After Deductible | 80% After Deductible | 80% After Deductible | 100% After Deductible | 80% After Deductible |
| Diagnostic Testing | 80% After Deductible | 80% After Deductible | 80% After Deductible | 80% After Deductible | 100% After Deductible | 80% After Deductible |
| Radiology (CT, MRI, PET, MRA, SPECT) | 80% After Deductible | 80% After Deductible | 80% After Deductible | 80% After Deductible | 100% After Deductible | 80% After Deductible |
| Outpatient Surgery | 80% After Deductible | 80% After Deductible | 80% After Deductible | 80% After Deductible | 100% After Deductible | 80% After Deductible |
| Emergency Room | 80% After Deductible | 80% After Deductible | 80% After Deductible | 80% After Deductible | 100% After Deductible | 80% After Deductible |
| Inpatient Hospital | 80% After Deductible | 80% After Deductible | 80% After Deductible | 80% After Deductible | 100% After Deductible | 80% After Deductible |
| Outpatient Hospital | 80% After Deductible | 80% After Deductible | 80% After Deductible | 80% After Deductible | 100% After Deductible | 80% After Deductible |
| Out-of-Network Coverage | Plan Pays 60% After OON Deductible | Plan Pays 60% After OON Deductible | Plan Pays 60% After OON Deductible | Plan Pays 60% After OON Deductible | Plan Pays 60% After OON Deductible | Plan Pays 60% After OON Deductible |
| Lifetime Maximum | No Maximum | No Maximum | No Maximum | No Maximum | No Maximum | No Maximum |
Prescription drug benefits
| Prescription Tier | 1500 Classic | 2500 Classic | 3500 Classic | 5000 Classic | 7350 Value | 5000 HSA |
|---|---|---|---|---|---|---|
| Generic | $15 Copay | $15 Copay | $15 Copay | $15 Copay | $15 Copay | After Deductible, $15 Copay |
| Preferred Brand | $45 Copay | $45 Copay | $65 Copay | $65 Copay | $65 Copay | After Deductible, $65 Copay |
| Non-Preferred Brand | $85 Copay | $85 Copay | $100 Copay | $100 Copay | $100 Copay | After Deductible, $100 Copay |
| Specialty Drugs | 50% Coinsurance | 50% Coinsurance | 50% Coinsurance | 50% Coinsurance | 50% Coinsurance | 50% Coinsurance After Deductible |
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
Start your application for the Cigna PPO Association Health Plan below. Complete the secure form and a licensed advisor will follow up to finalize your enrollment.
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.
- 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.