Cigna will launch plans on the Affordable Care Act's (ACA's) exchanges in 11 Texas counties, the insurer announced this week.
The plans will be made available in Collin, Crosby, Dallas, El Paso, Ellis, Hunt, Johnson, Kaufman, Lubbock, Rockwell and Tarrant counties. Texas is one of three states Cigna said it will add to its ACA exchange footprint in 2023, in addition to Indiana and South Carolina. Open enrollment on the exchanges begins Nov. 1.
The Texas plans feature 24/7 access to virtual primary care through MDLive as well as $0 virtual acute care and virtual wellness visits through the telehealth platform. Members call also access virtual dermatology and behavioral health services through MDLive's network, Cigna said.
"Texas residents who shop for health insurance on the individual marketplace deserve more choices when it comes to selecting the health care plan that is best for them and their families, and our plans offer some of the most affordable options available," said Lisa Lough, president of Cigna's individual and family plans business, in the release.
The plans will include $0 deductibles or copayments on select services as well as $0 preventive care as required in the ACA, Cigna said. Members will also have predictable copays for lab tests, even if they haven't met their plan's deductible, and can expect copays as low as $3 for generic drugs. The plans also offer access to Cigna's Patient Assurance Program, which caps insulin costs at $25 for a 30-day supply.
Members aged 18 or older can earn up to $325 in reward points by performing healthy behaviors and can redeem those points for merchandise or debit cards.
ACA open enrollment runs through Jan. 15, and plans purchased before Dec. 15 are effective Jan. 1. Plans purchased later in the enrollment window take effect Feb. 1. A more stable market has encouraged plans like Cigna to expand their offerings and has lured others, like Aetna, back into the individual market after a rough spate of losses in the exchanges' early years.