Need a new health plan
due to COVID-19?

We're here to help you find the right coverage

Call us at 1-888-802-4171 to speak with a licensed sales agent.

How to shop for a plan after you've lost coverage

Blue Cross NC is committed to the health and wellbeing of all North Carolinians and is prepared to help customers who have recently lost health coverage navigate their options for coverage. We offer individual and family plans (subsidies may be available), short-term plans and more.

In addition to these resources, if you have recently experienced a temporary layoff and/or reduction of hours, please speak to your employer about options for coverage. 

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You can enroll in an Affordable Care Act (ACA) health plan.

You may qualify for a Special Enrollment Period due to certain life events, like:

  • Loss of employer-sponsored health coverage or a student health plan
  • Household changes (like marriage, divorce, birth or adoption of child, or death in the family)
  • A move or change in residency

If you don't have a qualifying life event or you're waiting for a health plan to go into effect, short-term medical insurance might be a good option.

Call us at 1-888-802-4171 to speak with a licensed sales agent.

You may qualify for a subsidy from the government to help pay for coverage.

You may have 60 days before or after the event to enroll

You may need a letter from an insurance company or employer to show loss of coverage.


See your options and get a free quote

Individual & Family

  • Three plan levels to meet budget needs
  • Access to a variety of wellness programs
  • Choose from different provider networks

Start Shopping

Supplemental Coverage

  • Coverage for unexpected medical costs
  • Plans for short-term health insurance
  • Financial safety and planning for expenses

Call us at 1-888-802-4171

Those who are 65 or older have the option of moving into a Medicare plan. Blue Cross NC offers a few options to fit your needs during this time and beyond.

You can shop for a plan yourself or speak to an agent for help by clicking the button below. Please be sure to check with your employer to make sure there are no other options for you before buying.

Shop Medicare Plans

Need help after losing your job?

COVID-19 has impacted all our lives in ways we never could have imagined. 

We know that after losing your job or having your hours reduced, shopping for a health plan may be the last item on your list. Keeping your family safe, finding health care, or even figuring out how to afford necessities can take a mental and physical toll. 

We want to help. Even if you aren't a Blue Cross NC member, there are resources you can use to make navigating this pandemic a little easier. And we're always here - supporting North Carolina communities - when you need us.

Support during COVID-19

Dial 211, the North Carolina COVID-19 Crisis Hotline, to get access to:

  • Financial assistance and education
  • Food and nutrition resources
  • Childcare, and more

Helpful Resources:

Frequently Asked Questions

If you are no longer eligible for your employer’s health insurance, you have several options. To help you make the best choice for you and your family, here are answers to some questions you may have.

Your income may have changed during this time. If you are enrolled on a Marketplace plan (ACA plan), you can go to to update your income amount. Any change in your income could impact the subsidy you receive - by either increasing or decreasing the amount.

If your income changes for any reason, you must report that with the Marketplace. If your income isn't reported correctly, you may be responsible for paying back part of the subsidy you received if your income was reported too low. 

Some things to remember:

  • Stimulus payments given because of COVID-19 do not count toward your income for subsidy credit.
  • Unemployment payments, however, do count toward yor subsidy credit. 

Each situation is unique. To get you started, here are some of the plans available through Blue Cross and Blue Shield of North Carolina (Blue Cross NC) and who might consider them:

Type of Plan: Consider if you are:
Individual and Family Permanently/temporarily laid off
Short-term Medical Temporarily laid off or had hours cut
Medicare Permanently laid off and Medicare eligible
COBRA or State Continuation Eligible to extend your employer coverage


These Blue Cross NC plans comply with the Affordable Care Act (ACA). You can apply for one outside the yearly Open Enrollment Period if you have had a Qualifying Life Event (QLE), such as losing your job-based health insurance.

You have 60 days before or after the expiration of your employer coverage to sign up.

Blue Cross NC is happy to walk you through the process. Simply call us at 1-888-802-4171 for one-on- one support. You can also shop for plans on your own.

Depending on your income level, you may qualify for a government subsidy to help offset the cost of your monthly premiums.1 You may also qualify for help with out-of-pocket costs at the doctor.

Be aware that your subsidy eligibility is based on your actual 2020 income. Subsidies are awarded based on your projected 2020 income. So if your income increases, you must update your income to avoid owing additional taxes.

No, individual ACA plans go into effect on the first of the month following your application date. That means if you apply on April 30, your new plan will go into effect on May 1. But if you apply on May 1, your new plan will not go into effect until June 1. You may wish to get a short- term medical plan to cover the gap before your new ACA plan goes into effect.

This non-ACA plan fills a gap for those with a temporary lapse in coverage. This might be a good option if you:

  • Are temporarily laid off
  • Have had your hours reduced temporarily
  • Need coverage until a new ACA or employer plan becomes effective

Unlike ACA plans, short-term medical coverage is not guaranteed. You will need to answer a few short medical questions when you apply.

Once your application is approved, coverage can begin the next day in most cases.

Short-term coverage is available from 30 up to 364 days.

Covered services include diagnostic doctor visits, emergency room visits, hospital stays, surgery, intensive care and more.

If you are Medicare-eligible and have permanently lost your job-based health insurance, you may want to choose a Medicare plan. The time period to sign up is 63 days from the expiration of your employer plan. Different rules apply for those temporarily laid off.

You may be able to continue your current job-based coverage through your employer. Ask your Human Resources manager for details on COBRA or State Continuation plans.