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SilverHMO

Connect Silver 3000 Indiv Med Deductible

by Cigna Healthcare in Texas

How we get our data

Our insurance data is sourced directly from the CMS ACA Marketplace (HIOS), the federal database that insurers are required to report to. We process that data to surface standardized out-of-pocket cost estimates based on three SBC scenarios defined by CMS: having a baby, managing diabetes, and treating a fracture. We update our data annually with each new plan year and link to the original SBC documents so you can verify costs directly with the insurer.

Learn more about our data

Deductible (Individual)

Max Out-of-Pocket

$9,900

Actuarial Value

72%

Service Areas

1

About This Plan

Connect Silver 3000 Indiv Med Deductible is a Silver HMO plan offered by Cigna Healthcare in Texas for the 2026 plan year with an actuarial value of 72%. The in-network deductible for an individual is not specified, and the maximum out-of-pocket cost is $9,900.

Compared to the median across 80 other Silver plans in Texas, this plan's estimated out-of-pocket costs are: having a baby ($7,860 — right at the median); managing diabetes ($1,720 — 5% below the median); treating a fracture ($2,400 — 4% below the median).

This plan includes disease management programs for Asthma, Diabetes, Heart Disease, High Blood Pressure & High Cholesterol, Pregnancy.

Cost Scenarios

What you'd pay out-of-pocket for three common medical situations with this plan.

Normal delivery

Having a Baby

$7,860
Total Out-of-Pocket
-1% vs median
Deductible$3,000
Copayment$600
Coinsurance$4,200
Limit$60

Type 2, routine care

Managing Diabetes

$1,720
Total Out-of-Pocket
-5% vs median
Deductible$800
Copayment$900
Coinsurance$0
Limit$20

ER treatment

Simple Fracture

$2,400
Total Out-of-Pocket
-4% vs median
Deductible$2,100
Copayment$300
Coinsurance$0
Limit$0

Deductibles & Out-of-Pocket Maximums

In-NetworkOut-of-Network
IndividualPer PersonPer GroupIndividualPer PersonPer Group
Deductible
MOOP$9,900$9900 per person$19800 per groupNot Applicableper person not applicableper group not applicable
Medical & Drug MOOP Integrated

Plan Features

Plan TypeHMO
HSA EligibleNo
Referral Required for SpecialistNo
National NetworkNo
Pregnancy Notice RequiredNo
Out-of-Country CoverageYes
Out-of-Service-Area CoverageYes
Child-Only OfferingAllows Adult and Child-Only
Wellness ProgramNo
Inpatient Copayment Max Days0
Plan Effective Date2026-01-01
Plan Expiration Date2026-12-31

Disease Management Programs

AsthmaDiabetesHeart DiseaseHigh Blood Pressure & High CholesterolPregnancy

Official Documents

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Written by Jayant Panwar | Last reviewed: Q1 2026 | Last updated: January 2026

Insurance Disclaimer: This information is for educational purposes only and does not constitute insurance advice or a recommendation to enroll in this plan. SBC scenarios show standardized cost estimates for normal delivery, routine diabetes care, and emergency fracture treatment — your actual costs will vary based on providers, services, and your specific plan benefits. This is a CMS marketplace plan; other insurance options may be available in Texas. Consult your insurance company for accurate cost estimates and with your healthcare provider for medical decisions.

Data source: CMS ACA Marketplace (HIOS), 2026 plan year. See our data methodology and editorial policy. Found an error? Report an inaccuracy.