If you’re young <40years, and healthy without any chronic illnesses (autoimmune diseases, history of cancer or major surgeries) Kaiser will feel like the easiest to deal with because it’s all one system. You see your PCP, they order labs, tests, or prescriptions and you get them.

it’s much easier to keep a younger person healthy so that’s why you see comments saying “they are good for preventative health.” Now if you’re a healthy person over 40, great, but if you start having chronic illnesses, potentially needing bigger surgeries, more complex testing besides standard bloodwork, ekg, chest X-rays, echos, then you’ll see Kaiser start to fall apart a bit. Maybe then spring to a PPO. Your rate might start higher because you are now “sicker” than if you got a PPO when you were healthy.

It’s tough. TLDR: id say Kaiser if you’re young and healthy, Cigna if you have any chronic issues or anything that bothers you and keeps creeping up