We offer plans tailored to fit companies with 51 or more full-time employees.
Blue Cross and Blue Shield of North Carolina (Blue Cross NC) large-group plans give your business flexibility, savings, and trusted coverage.
You can choose from fully funded, self-insured, or balanced funding options that are all backed by our nationwide networks, cost-saving strategies, and tools that keep your employees supported and living their healthiest lives.
Blue Cross NC offers flexible health plan funding options that work for your company.
If you're fully insured, we'll underwrite your group’s medical expenses, as well as provide full administrative services. This is the simplest health plan coverage option for businesses.
Benefits:
- A single monthly premium
- Predictable and stable health care costs for the plan year
- Peace of mind, ease, and convenience – we handle the details
- Health benefits without claims cost risks
Our self-insured option offers control and flexibility in plans designed for businesses with 100 or more full-time employees. Self-insured, or Administrative Services Only (ASO), arrangements allow the business to fund their own health benefits and claims while we provide all or some administrative services.
Benefits:
- Stop-loss insurance to limit potential claims losses
- Flexibility in plan design
- More control over cash flow
The balanced funding option offers the advantages of a self-funded plan and the financial protection and predictable monthly payments of a fully insured plan.
Benefits:
- Potential savings of self-funding
- Predictable monthly rates, similar to a fully insured plan
- Integrated stop-loss coverage
- Money-back opportunities
Find the perfect health plan for your business. Choose the right balance of network, coverage options and benefits.
- Largest Blue Cross NC provider and hospital network
- Integrated Rx drug benefit
- Available in all 100 NC counties
- Coverage extends across the US and around the world3
We partner with HealthEquity® to offer our members consumer-driven health plans (CDHPs) and group solutions. These CDHPs fully integrate with health plans and offer tax-favorable, cost-saving benefits.4
- Employer or employee funds with pre-tax dollars up to limits set by the IRS5
- May be used for qualified medical expenses
- Unused amounts roll over to the next year without penalty
- Pair with any eligible high deductible health plan on any network
- Employer funds and owns the account
- May only be used for qualified medical expenses
- Enrollee is not required to participate in a high deductible health plan
- Employee funds with pre-tax dollars by voluntary salary reduction (employer may contribute)5
- May be used for qualified medical expenses, equipment and services
- A use-it-or-lose-it account – employee forfeits any balance remaining at end of year
- Enrollee is not required to participate in a high deductible health plan
Based on your company size, you may be subject to a penalty if you choose not to offer your employees health insurance.6
More information is available through the Health Insurance Marketplace® at healthcare.gov.
Select an affordable dental plan option for large groups.
Explore affordable vision plans for large groups.
Take advantage of supplemental employer benefits.
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.
Information in other languages: Español 中文 Tiếng Việt 한국어 Français العَرَبِيَّة Hmoob ру́сский Tagalog ગુજરાતી ភាសាខ្មែរ Deutsch हिन्दी ລາວ 日本語
© 2025 Blue Cross and Blue Shield of North Carolina. ®, SM Marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield plans. All other marks and names are property of their respective owners. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association.