Cigna Level-Funded HSA Plan
Benefits 5000 HSA
A high-deductible HSA-compatible plan with a $5,000 individual deductible — maximize tax savings and minimize monthly contributions for your small business.
See If You QualifyPlan Overview
The Benefits 5000 HSA pairs the lowest monthly contribution in the HSA lineup with full IRS HDHP qualification. Employees can fund a Health Savings Account with pre-tax dollars, rolling unused balances year over year. This plan is ideal for small businesses with cost-conscious employees who want to take control of their healthcare spending while maintaining access to Cigna's national network.
$5,000
Individual Deductible
$10,000
Family Deductible
$6,550
Out-of-Pocket Max (Individual)
$13,100
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. Unused balances roll over year to year and can be invested.
Primary & Specialist Care
All services covered at 80% after the deductible is met. Full access to Cigna's 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. Preventive generic medications may be covered before the deductible.
Mental Health & Substance Use
Full parity behavioral health coverage at 80% after deductible, including telehealth therapy.
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 5000 HSA.