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shop keeper and employee look at computer in plant store Neighbors Helping Neighbors... That’s You Plus Blue℠

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You're dedicated to your business and employees. We're dedicated to you. Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offers affordable plans to meet the ever-changing needs and budgets of businesses like yours – allowing employers like you to offer health coverage with robust benefits.

Statewide, Blue Cross NC premiums average at least 9% lower than the competition.1 As North Carolina’s preferred health insurer,2 we offer affordability without sacrificing quality.

"The large network of providers means my employees have a wide selection of doctors to take care of them and their families. Also, when I have questions about our coverage, my Blue Cross NC representative responds so quickly. It’s amazing to have a team supporting me and my business."

ONUG Communications, Inc.

 Benefits of You Plus Blue
Because Health is a Big Deal℠

North Carolinians have trusted us for more than 90 years.2 Our experienced Blue Cross NC team helps businesses like yours navigate plans to determine what's best for you and your employees, including hands-on support for easy plan transitions.
Network Options

Our Blue Options® PPO features more than 95% of NC doctors and 98% of NC hospitals.3 Smaller but offering bigger savings nationally, the Blue High Performance Network® (BlueHPN®) offers 11% total cost of care savings on average, and more than 20% savings in some markets, compared to our industry leading PPO.4

Big Benefits for Small Businesses

Carolina HealthWorks offers competitive rates, flexible plan options, and fixed monthly payments for companies with 2–50 employees. Options include medical, dental, and vision coverage – plus plans with no deductibles, HSAs, and more. Available to NC Chamber members and participating local chambers.
Affordable Care Act (ACA) Compliant

All fully insured health plans are compliant with the ACA. Blue Cross NC is proud to be the only North Carolina-based plan in the ACA market.
Easy to Enroll and Manage

Get quoted and enrolled in just one day with our self-service tools. Once you're set up, managing your plan is simple – thanks to digital resources on the employer portal and a dedicated support team.
Multiple Plan Choices

We’ll help you find a plan that works for both your business and your employees. Options include fully insured, no-commission, ACA-compliant, and if eligible, Carolina HealthWorks and Balanced Funding.
Flexibility at your fingertips

Use our quick and easy quoting tool to view plans and prices instantly.
Get a Quote

Disclosures:

  1. Blue Cross and Blue Shield of North Carolina 1-50 ACA 2024 TMP Projection Data, Actuary Report (Accessed March 2024). Price position is an average based on a comparison of our leading competition Q1 2024 rates projected forward using final 2024 competitor aggregate rate changes across a representative sample of plans with comparable plan designs. Actual price positions will vary depending on plan design and policy effective date. Results are subject to change due to issuer rate revisions.

  2. Blue Cross NC Brand Tracking; Burke; November 2024. Data comparison against top competitors that sell across all markets in NC.

  3. Blue Cross NC Provider Internal Data; percentages indicated represent Blue Cross NC's Network as of April 7, 2025.

  4. Blue Cross Blue Shield Association data (April 2025). "Blue High Performance Network Talking Points.” BlueHPN Total Cost of Care savings based on Consortium Health Plans analysis, 2023. Savings are on average and assume 100% enrollment. Results will vary based on employer locations and implementation.

Benefits are provided by the NC Chamber Benefit Trust, with excess coverage from a licensed insurer. The Trust isn’t backed by a guaranty association but is regulated by the NC Department of Insurance. The NC Chamber is the sponsor and plan administrator of Carolina HealthWorks, which is a self-insured non-plan Multiple Employer Welfare Arrangement. Third-party administrative services are provided by Blue Cross and Blue Shield of North Carolina. The NC Chamber and Carolina HealthWorks are separate entities and do not provide Blue Cross or Blue Shield products or services.

SGBOptions, 5/25, SG BHPN, 5/25, BOptions, 5/25, HPN, 5/25; U48998, 11/25

Blue Cross and Blue Shield of North Carolina does not discriminate on the basis of race, color, national origin, sex, age or disability in its health programs and activities. Learn more about our non-discrimination policy and no-cost services available to you.

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