Oscar Health, a technology driven carrier has teamed up with Cigna to offer an affordable small business health plan in California.

Service Areas

Northern California
Service areas include Alameda, Contra Costa, El Dorado, Marin, Napa, Placer, Sacramento, San Francisco, San Mateo, Santa Clara, Solano, Sonoma, and Yolo counties.

Southern California
Service areas include Los Angeles, Kern, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, and Ventura counties.


  • Local Plus

The Cigna Local Plus network is a network of doctors, specialists, and hospitals with cost-effective medical care and quality.  This network was designed with affordability and access in mind.

Local Plus Network Summary (Northern California)

Local Plus Network Summary (Southern California)

  • Open Access Plus

The Cigna Open Access Plus network is broader, offering a discounted national network with nearly 970,000 doctors, specialists, and 17,000 hospital and clinical facilities.

This network offers out-of-service area coverage.

Plan Features

Health Plans That Save Money
Choose between two quality networks, Local Plus and Open Access Plus, and 16 plans across all metal tiers, to save on health insurance that fits your groups’ lives and needs.

Nationwide Network
With Cigna Open Access Plus, members can access a nationwide network of doctors, hospitals, and specialists that can be seen without referrals.

24/7 Virtual Care
Access to hundreds of doctors on call, available 24/7 for $0 copay.

Easy Administration
Simple tools and dedicated support to manage employee benefits.

Prescriptions Done Right
Save on prescriptions with Express Scripts and easily refill them right from your phone.

Personalized Care Team for Members
Dedicated support to help employees find the right doctors and care in their area; answer questions about benefits, claims and billing; and coordinate care and prepare for upcoming procedures.

Business Concierge for Employers
A team that knows your employees by name, and is always there to answer questions and help them better understand plan benefits. 

Healthy Minds and Bodies
Step-tracking rewards of up to $100 per year and access to Cigna’s behavioral health network for mental health support and resources.

Eligibility Requirements

  • This plan covers businesses with 1 to 100 full time employees in California.
  • You must conduct business in one of the service areas.
  • You need minimum 50% of eligible employees within the service areas.
  • Employers may select up to three Cigna + Oscar plans.  There are no restrictions
    on the combination of plan options.
  • You need at least one common law employee other than you or your spouse.

Need a Quote?

Skyline Benefit is an independent health insurance broker with expertise in small business health insurance.

Our small business team can assist you with reviewing your Oscar and Cigna coverage options and making sure you find the best group plan for you and your employees.

Call for a free Oscar and Cigna quote at (714) 888-5116