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Employer Plans

Employer health insurance

Now more than ever, employers with 1–50 full-time employees can get health insurance coverage to meet the ever-changing needs and budgets of businesses like yours.


Affordability you want, coverage you expect

At Blue Cross and Blue Shield of North Carolina (Blue Cross NC), we make it easy, flexible, and affordable to offer your employees the coverage they need (YouTube video).

Statewide, Blue Cross NC ACA premiums average 10% less than the competition.1 As North Carolina’s preferred health insurer,2 we offer affordability without sacrificing quality.1 And we offer broad provider and pharmacy networks for the coverage and savings your employees expect.

Build the health plan you want

We make it easy for you to build the best health plan for your company. Support your team in a few easy steps by selecting the right mix of coverage and benefits:


It all starts with a choice of provider networks – you can select our broad, most popular Blue Options® PPO with 98% of hospitals and 95% of doctors in North Carolina. Or choose our cost-saving, quality-based Blue High Performance Network® available in select counties.

Health plans

Select from a variety of plans, including all copay plans, traditional copay plans, tiered plans, and deductible and coinsurance. You have all these choices plus the ability to offer your employees up to 4 medical plans, so they can choose what works best for them and their families.

Alternate funding

For employers with 20 or more employees, we also offer an alternative way to fund your plan benefits. It’s called balanced funding (YouTube video) a self-funding option for those who want added flexibility without all the risk of traditional self-insurance. You'll enjoy insight into medical expenses, potential savings, and money back for unused funds.

Ancillary benefits

For total health protection, employees want dental and vision benefits – and at Blue Cross NC you can include them with your plan for a seamless experience. We also have disability and life plans available through Mosaic Group that can lower your medical premium.

Savings accounts

Give your employees the ability to save tax free for their medical expenses. You have a choice of 5 savings account types that are fully integrated and come at no extra charge. These include HSA, FSA, HRA, LPFSA, and DCRA. Plus, lifestyle savings is coming soon to help with financial wellbeing.

Wellness programs

You get a suite of built-in wellness programs that are designed to keep your employees healthy and productive – from preventive care to personalized nurse support for complex care, as well as virtual care with acute care and mental health counseling. Other programs include tobacco cessation, fitness discounts, Rx drug discounts and mail order, and more.

Make it easy on yourself and your employees

You can easily get a quote with no obligation and be enrolled on the same day. We offer plans starting on the first of each month – so no need to wait. You’ll have 24/7 access to online resources to set up and manage your plan and view / pay bills. And our Blue Connect℠ member portal gives your employees anytime access to their health plan details, including their digital member ID card, claims and benefits, in-network doctors, medical cost estimates, savings account balances, wellness resources, and more.

Get a quote today

Build the perfect health plan for your business. Affordable no-commission plan options are also available directly through Blue Cross NC.

Interested in Balanced Funding?

Want to learn more about Balanced Funding and your plan options? Find out why this flexible, predictable option may be right for your company.

What else can we help you find?

Dental plans

Select an affordable dental plan option for local groups.

Vision plans

Choose comprehensive vision coverage for local groups.

Supplemental benefits

Take advantage of supplemental employer benefits.