Additional coverage for individuals and families
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Frequently asked questions
Everyone under the age of 65 has the opportunity to purchase health insurance during the Open Enrollment Period.
Open Enrollment is from November 1 to December 15 every year for coverage starting on January 1.
You can purchase or change a plan outside of Open Enrollment if you have a qualifying life event. There are many things that can be considered a qualifying life event, like: loss of health coverage (losing a job, turning 26, or graduating and losing a student plan), turning 65 and needing to purchase a Medicare plan, changes to your household (having a baby, getting married or divorced, death in the family), changes to your physical location (moving to a new county or ZIP Code, moving from a shelter into a home), becoming a US citizen, leaving jail or prison, and/or changes to your income that may affect a subsidy you qualify for.
You can buy a Medicare plan during the enrollment periods. You can also purchase a Medicare plan anytime you turn 65 even if it isn't during an enrollment period.
Annual Enrollment Period is from October 15 – December 7 every year.
Open enrollment for Medicare is from January 1 – March 31 each year.
Medicare Supplement plans can be renewed May 1 – 31 for a June 1 start date.
No. Employers can shop for group ancillary plans* any time during the year and set their own enrollment periods for their employees. They can also add extra benefits (like life insurance) at any time.
*Group plans are plans that are offered through an employer.
Blue Cross and Blue Shield of North Carolina is an HMO, HMO-POS, PPO and PDP plan with a Medicare contract. Enrollment in Blue Cross and Blue Shield of North Carolina depends on contract renewal. Blue Medicare Supplement is not endorsed by or affiliated with the United States Government or the federal Medicare program.
Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offers several decision-support tools to aid you in making decisions around your health care experience. These tools are offered for your convenience and should be used only as reference tools. You should consult your own legal counsel, tax advisor or personal physician as applicable throughout your health care experience.
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.
© 2024 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.