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2025Open Access
Value Plan
Cigna • Cigna Open Access
A balanced plan with moderate premiums and copays before deductible. Good for those who want predictability without the highest premiums.
Weekly Premiums
Single
$87/wk
$4,524/year
Employee + Spouse
$184/wk
$9,568/year
Employee + Child(ren)
$153/wk
$7,956/year
Family
$267/wk
$13,884/year
Deductibles & Out-of-Pocket Maximum
Deductible
Single$1,500
Family$3,000
Out-of-Pocket Max
Single$6,350
Family$12,700
Coinsurance70/30
Copays
Copays apply before deductible
PCP Visit
$20
Specialist
$40
Urgent Care
$40
Emergency Room
$100
Imaging
Deductible + 30%
Labs
Deductible + 30%
Prescription Coverage
Separate Rx deductible: $100
Tier 1 (Generic)
$15
Tier 2 (Preferred)
$35
Tier 3 (Specialty)
$75
What Changed from 2026?
Year-Over-Year Comparison
Value Plan
→Value Plan
0
Improvements
0
Increases
2
Other Changes
Insurance Carrier
Cigna→Oxford/UHC
Network
Cigna Open Access→Oxford Liberty
Summary
2 changes: .
Plan Highlights
- Income-based premiums (lower if <$200k)
- Copays before deductible for office visits
- Moderate deductible: $1,500 / $3,000
- $100 Rx deductible
Things to Consider
- Higher premiums for income >$200k
- Not HSA eligible
- Higher OOP max than Buy-Up