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2025Open Access Plus
Buy-Up Plan
Cigna • Cigna Open Access Plus
Our richest plan with the lowest deductible and copays before deductible. Best for those who expect frequent healthcare visits or want more predictable costs.
Weekly Premiums
Single
$171/wk
$8,892/year
Employee + Spouse
$360/wk
$18,720/year
Employee + Child(ren)
$300/wk
$15,600/year
Family
$525/wk
$27,300/year
Deductibles & Out-of-Pocket Maximum
Deductible
Single$1,000
Family$2,000
Out-of-Pocket Max
Single$5,000
Family$10,000
Coinsurance80/20
Copays
Copays apply before deductible
PCP Visit
$20
Specialist
$40
Urgent Care
$40
Emergency Room
$100
Imaging
Deductible + 20%
Labs
Deductible + 20%
Prescription Coverage
Copays apply from day one (no Rx deductible)
Tier 1 (Generic)
$15
Tier 2 (Preferred)
$35
Tier 3 (Specialty)
$75
What Changed from 2026?
Year-Over-Year Comparison
Buy-Up Plan
→Buy-Up Plan
2
Improvements
1
Increases
2
Other Changes
Insurance Carrier
Cigna→Oxford/UHC
Network
Cigna Open Access Plus→Oxford Freedom
OOP Max (Single)
$5,000→$4,000-20%
OOP Max (Family)
$10,000→$8,000-20%
Coinsurance
80/20→90/10
Summary
5 changes: 1 increase, 2 decreases.
Plan Highlights
- Lowest deductible: $1,000 / $2,000
- Copays before deductible for office visits
- $0 Rx deductible
- Widest Cigna network access
Things to Consider
- Highest weekly premiums
- Not HSA eligible