Cigna Level-Funded HSA Plan
Benefits 3500 HSA
An HSA-compatible level-funded plan with a $3,500 individual deductible — pair tax-free savings with Cigna's national network for a smart, flexible benefits strategy.
See If You QualifyPlan Overview
The Benefits 3500 HSA is a high-deductible health plan (HDHP) fully compatible with a Health Savings Account. Employees can contribute pre-tax dollars to an HSA to cover qualified medical expenses, reducing their taxable income while building a healthcare nest egg. The $3,500 individual deductible qualifies under IRS HDHP thresholds, and Cigna's broad network ensures employees have access to quality care nationwide.
$3,500
Individual Deductible
$7,000
Family Deductible
$5,000
Out-of-Pocket Max (Individual)
$10,000
Out-of-Pocket Max (Family)
Yes
HSA Compatible
80% / 20%
Coinsurance (after deductible)
What's Covered
Preventive Care
100% covered in-network before the deductible — physicals, screenings, and immunizations at no cost.
HSA Tax Advantage
Employees contribute pre-tax dollars to an HSA to pay for qualified expenses — reducing taxable income and building savings.
Primary & Specialist Care
All services covered at 80% after the deductible is met. Access to Cigna's full national provider network.
Emergency & Urgent Care
Emergency room and urgent care visits covered at 80% after the deductible, no referral required.
Prescription Drugs
Covered at 80% after deductible. Generic preventive medications may be covered before the deductible.
Mental Health & Substance Use
Full parity coverage for behavioral health services at 80% after deductible, including telehealth.
How Level Funding Works
With a level-funded plan, your business pays a fixed monthly amount — no surprise invoices. That payment covers expected claims, stop-loss insurance, and administration.
01
Fixed Monthly Payment
You pay one predictable amount each month — no fluctuating premiums based on claims.
02
Stop-Loss Protection
Cigna's stop-loss coverage protects your business from catastrophic individual or aggregate claims.
Compare Other Plans
Ready to offer this plan to your team?
Get in touch and we'll walk you through eligibility, pricing, and enrollment for the Benefits 3500 HSA.