The Cigna Group

Name

The Cigna Group

Legal name

The Cigna Group

Website

https://cigna.com

Company type

Public

Founded year

1792

Operating status

Operating

Headcount range

5,001–10,000 employees

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Insurance Agents, Brokers & Service (6411), Wholesale-Drugs, Proprietaries & Druggists' Sundries (5122)

akta.pro primary industry

Group Pharmacy Benefit (Rx) Coverage & PBM-Integrated Plans (FSAIAFAN)

akta.pro secondary industries

Copay Assistance, Patient Support & Affordability Programs (HLAEAKAI), Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Medicare Supplement (Medigap) (FSAIAEAG)

Keywords

• Health insurance plans
• Pharmacy benefit management
• Specialty pharmacy services
• Employer health benefits
• Integrated care management

Headquarters

HQ city

Bloomfield

HQ country

United States

HQ region

North America

Offices13 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Supply Chain, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Health Insurance Premiums (Cigna Healthcare): Premium revenue from commercial and employer-sponsored health insurance, individual exchange plans (exiting by end of 2026), and specialty health benefits including dental, vision, and supplemental coverage.
2. Pharmacy Benefits Management (Evernorth): Revenue from pharmacy benefit management services through Express Scripts including specialty pharmacy (Accredo), home delivery, and integrated pharmacy-medical models. Generated $58.4 billion in Q1 2026 revenues.
3. Specialty Pharmacy Services: Specialty pharmacy services through Accredo and partnerships like Shields Health Solutions for complex chronic conditions including cancer, multiple sclerosis, and GLP-1 medications.
4. Care Services and Care Management: Evernorth care management services including behavioral health, virtual care, and clinical solutions generating growth through integrated pharmacy-medical models.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

The Cigna Group sells health insurance and health services through two divisions. Cigna Healthcare offers medical, dental, vision, supplemental, behavioral health, and Medicare supplement plans to individuals, families, and employers across 30+ markets. Evernorth Health Services delivers pharmacy benefit management via Express Scripts, specialty pharmacy via Accredo, behavioral health, onsite clinics, home health, care management, and benefits administration for employer-sponsored plans.

Product overview

The Cigna Group operates as a global health company with two primary divisions: Cigna Healthcare (health insurance and benefits) and Evernorth Health Services (health services). Cigna Healthcare provides medical, dental, vision, and supplemental insurance products under brands including myCigna, Clearity Plan, and Cigna Pathwell programs. Evernorth Health Services encompasses pharmacy benefit management through Express Scripts, specialty pharmacy via Accredo, behavioral health services through Evernorth Behavioral Health, onsite health clinics (Evernorth Onsite Health), home health care, and hospital pharmacy services (CarepathRx). The company also holds a $3.5 billion investment in Shields Health Solutions for specialty pharmacy partnerships. The myCigna digital platform serves as the unified member portal across all offerings, integrating virtual care through MD Live and AI-powered tools for cost management and provider matching. Products span from core insurance coverage to integrated pharmacy-medical models, with recent launches including the New Era rebate-free pharmacy benefit model and GLP-1 weight loss medication coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Cigna Healthcare (Medical Insurance Plans) Medical, dental, vision, behavioral, supplemental, and Medicare supplement health insurance plans sold to individuals, families, and employers across 30+ markets, with network options including OAP, PPO, HMO, EPO, LocalPlus, and SureFit.
• Cigna Dental Plans Standalone dental insurance plans including Dental 1000, Dental 1500, Dental 3000, Dental 5000, Preventive Dental, and bundled Dental Vision options priced by age, family size, location, and plan design.
• Cigna Home Delivery Pharmacy Mail-order home delivery pharmacy service offering 90-day prescription supplies to members, operated by Tel-Drug affiliates and integrated with the Express Scripts PBM.
• Express Scripts Pharmacy Benefit Management Pharmacy benefit management service providing prescription drug coverage, home delivery pharmacy, formulary management, and clinical safety checks for health plan members and employer clients; generated $58.4 billion in Q1 2026 revenue.
• Accredo Specialty Pharmacy Specialty pharmacy services for complex and chronic conditions including biopharmaceuticals, oncology medications, infused therapies, and chronic disease medications.
• eviCore Healthcare Utilization Management Medical utilization management and prior authorization services, including clinical review for advanced imaging, specialty drugs, and medical benefits, plus benefit administration.
• CarepathRx Hospital Pharmacy and Infusion Services Hospital pharmacy and infusion services for hospitals and health systems treating patients with chronic and complex conditions, delivered through CarepathRx within Evernorth Health Services.
• Evernorth Behavioral Health Services Behavioral health services including mental health and substance use disorder coverage, Employee Assistance Programs (EAP), virtual behavioral health access, and TMS treatment for major depressive disorder and OCD.
• Evernorth Onsite Health Clinics Onsite and nearsite employer health clinics providing primary care, preventive care, acute care, chronic condition management, and occupational health services at employer worksites.
• Cigna Pathwell Specialty Program Specialty pharmacy management program providing integrated clinical and financial support for complex medication therapies including oncology, infusion, and biotech treatments for employers.
• GLP-1 Weight Loss Medication Benefit Pharmacy benefit for FDA-approved GLP-1 weight loss medications that caps patient monthly out-of-pocket at $200, includes simplified prior authorization, broad pharmacy network access, and Express Scripts safety checks, enabling savings up to $3,600/year per patient versus direct-to-consumer programs.
• Signature Rebate-Free Pharmacy Benefit Model Rebate-free pharmacy benefit management model that replaces traditional rebates with transparent net pricing, lower brand drug costs, and expanded local pharmacy support, launching for select clients in 2026 and scaling across Evernorth through 2028.
• Electronic Prior Authorization Standardization Standardized electronic prior authorization submission framework for commonly reviewed medical services, targeting 70%+ of prior authorization volume standardized by end of 2026 to reduce administrative burden and speed member access to care.
• myCigna Member Platform AI-powered member digital platform and mobile app providing 24/7 access to coverage details, claims, ID cards, provider directories, cost tracking, provider matching, virtual care, and personalized health management.
• Clearity Plan (Cost Control Solution) Employer cost control solution providing healthcare cost transparency tools, surprise bill avoidance, and care navigation support for employees and plan administrators.
• Health Savings and Spending Accounts (HSA/HRA/FSA) Tax-advantaged Health Savings Accounts (HSA), Health Reimbursement Arrangements (HRA), and Flexible Spending Accounts (FSA) administered for employer-sponsored health plans.
• Supplemental Health Insurance Supplemental health insurance products including cancer treatment coverage, hospital indemnity, and other supplemental offerings sold alongside medical and dental plans to individuals and families.

Quantifiable outcome

• Q1 2026 adjusted EPS up 16% year-over-year to $7.79
• +6 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability5 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• BrainsWayminorGTM or Marketing Partner · 18 February 2026Evernorth Behavioral Health eliminated prior authorization requirements for transcranial magnetic stimulation (TMS) coverage effective March 6, 2026, affecting over 18 million covered lives across 12 states. BrainsWay, a global leader in Deep TMS systems, welcomed the policy change expanding patient access to evidence-based treatment for major depressive disorder and OCD.
• Direct ReliefcoreStrategic or Co-development Partner · 12 February 2026Evernorth Health Services partnered with Direct Relief to donate more than 41,000 prescription medications for rapid deployment during natural disasters and emergencies in the United States. The collaboration creates a first-of-its-kind donation pathway enabling humanitarian organizations to source prescription medications directly from pharmacies.
• Achilles InternationalminorGTM or Marketing Partner · 15 January 2026The Cigna Group renewed multi-year sponsorship commitment of nearly $1 million over three years to support Achilles International's Freedom Team, empowering wounded veterans and adaptive athletes to participate in major U.S. marathons. Builds on over 15 years of collaboration with more than $3 million donated since 2009.
• Hankook Tire America CorpcoreStrategic or Co-development Partner · 7 January 2026Evernorth Direct Health opened an onsite clinic at Hankook Tire's Clarksville, Tennessee manufacturing plant. The Hankook Tire Clinic Powered by Evernorth provides low- or no-cost primary care, preventive care, acute care, chronic condition management, and occupational health services to eligible employees and family members regardless of insurance plan.
• CAQHminorStrategic or Co-development Partner · 6 January 2026CAQH, a healthcare data organization maintaining records on over 4.8 million providers and data on 75% of U.S. covered lives, is now owned by twelve shareholder companies including The Cigna Group. The new ownership structure strengthens partnerships and expands investment in data solutions.
• HeadspacecoreStrategic or Co-development Partner · 10 November 2025Cigna Healthcare launched an industry-first collaboration with Headspace offering exclusive mental health features and digital resources to customers starting January 1, 2026. The initiative addresses rising anxiety and behavioral health issues with focus on preventative care and early engagement through Headspace app functionalities and custom content.
• Shields Health SolutionscoreStrategic or Co-development Partner · 2 September 2025Evernorth invested $3.5 billion in preferred stock in Shields Health Solutions, a specialty pharmacy management company partnering with over 80 health systems across nearly all 50 states. The investment supports Shields' operations across 1,000+ hospitals and clinics and enhances Evernorth's specialty pharmacy capabilities for complex and chronic conditions.

Scale indicators13 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Humana: Major U.S. health insurer focused on Medicare Advantage and group coverage, with a sizable PBM (Humana Pharmacy Solutions). Competes head-to-head for employer-sponsored and senior health benefits and has been expanding its PBM capabilities similarly to Evernorth.
• Molina Healthcare: Government-sponsored health insurer focused on Medicaid and Marketplace plans. Comparable in Medicaid and individual ACA risk pools, overlapping with Cigna's legacy government-segment footprint prior to divestitures.
• Elevance Health: Operates Blue Cross Blue Shield-licensed plans across 14 states plus CarelonRx PBM and Carelon health services. Direct competitor in commercial group health and increasingly in integrated PBM and care services markets.
• CVS Health: Operates Aetna health insurance alongside Caremark PBM and CVS retail/minute-clinic footprint. Direct competitor in employer-sponsored health plans and pharmacy benefit management with similar integrated insurance + services model.
• Centene Corporation: Largest Medicaid managed-care insurer with growing Medicare and Marketplace exposure. Competes with Cigna in government-sponsored segments and has been expanding commercial and specialty PBM capabilities.
• UnitedHealth Group: Largest U.S. health insurer and PBM through UnitedHealthcare and OptumRx. Directly comparable dual-engine insurance + health services platform competing for the same large employer group business and PBM clients as Cigna/Evernorth.
• HCSC (Health Care Service Corporation): Mutual Blue Cross Blue Shield plan operating in five states and the acquirer of Cigna's $4.9B Medicare Advantage business in 2025. Direct competitor in commercial group and now Medicare markets following the divestiture.

Emerging players

• CarelonRx (Elevance Health): Emerging PBM within Elevance's Carelon services portfolio, building integrated pharmacy-medical capabilities similar to Evernorth's Signature model trajectory. Direct head-to-head in employer RFPs seeking integrated PBM-plus-care offerings.

Broad incumbents

• McKesson Corporation: Largest U.S. pharmaceutical distributor and specialty pharmacy/biologics services provider. Comparable in drug distribution economics and specialty pharmaceutical handling that support Evernorth's Accredo and Express Scripts operations.
• Walgreens Boots Alliance: Major pharmacy retailer and former parent of Shields Health Solutions (acquired by Sycamore Partners with Evernorth's $3.5B preferred investment). Operates overlapping retail pharmacy, specialty pharmacy, and care delivery assets comparable to Evernorth's pharmacy network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/TheCignaGroup
• YouTubeyoutube.com/cignagroup
• Facebookfacebook.com/LifeatCignaGroup
• LinkedInlinkedin.com/company/the-cigna-group
• Instagraminstagram.com/cignahealthcare

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about The Cigna Group