Bloomfield’s Cigna Healthcare has launched Clearity by Cigna Healthcare, a new copay-only plan designed to make health care access simpler, more transparent, and predictable.

Clearity features Cigna Healthcare’s new AI-powered tools, enabling users to search for providers, view total out-of-pocket costs, and access transparent pricing through natural language queries. The plan eliminates deductibles and coinsurance through a tiered copay structure, improving clarity and affordability for common services like office visits, imaging, and surgery.

“By combining our latest AI technology with simplified, transparent costs, we are helping employers offer innovative solutions that meet the diverse needs of their workforce,” said Eva Borden, Chief Product Officer of Cigna Healthcare’s U.S. Employer business. “Clearity by Cigna Healthcare is more than a health plan – it’s a simpler, more predictable way for customers to get the health care they need.”

The plan was created in response to growing consumer demand for cost clarity. Recent internal research found many consumers feel overwhelmed by benefits information and often delay care due to financial uncertainty.

“We designed the Clearity plan to support a wide range of people who are looking for a simpler health insurance experience,” said Erin Lenox, President of National Accounts for Cigna Healthcare’s U.S. Employer business. “From tech-savvy employees and healthy individuals who prefer pay-as-you-go options to those who may skip care due to high deductibles and financial barriers, Clearity by Cigna Healthcare offers a better path to care.”

The plan will be available nationally starting January 1, 2026.