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Employer Plans

Local group health insurance

Our local group health insurance for small businesses offers plans tailored to companies with 50 or fewer full-time employees. 

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Health plans and networks for small businesses

The larger the network, the more doctors and pharmacies there are available. Larger networks tend to have fewer limits when you need to find a doctor or prescription drugs. Your employees will save the most money when they see a doctor or visit a pharmacy in their plan’s network.

Which plan is right for you?

Find the perfect health plan for your business. Choose the right balance of network, coverage options and benefits.

Blue Options®

  • Largest Blue Cross NC provider and hospital network
  • Integrated prescription drug benefit
  • Available in all 100 counties
  • Worldwide coverage for protection at home and when you travel1

Blue Options® 1-2-3℠

1-2-3 benefit tiering with features that make it an even more attractive option and increase employee engagement:

  • Copayments for primary care, urgent care and telehealth2
  • Cost sharing for the other services
  • Worldwide coverage for protection at home and when you travel1

Blue High Performance Network℠ (BlueHPN℠)

  • Significant savings over our industry-leading PPO3
  • Select network of doctors and hospitals deliver high-quality care at a low cost
  • Engagement tools and decision support for employees
  • Available in select NC areas, in-network only access across 65+ major US markets

No-commission plans

No-commission plans for groups that are not using an agent offer a more affordable medical option that still includes exceptional benefits:

  • Lower-cost plans for the same high-quality care and network options
  • Dedicated account management and service
  • On-demand access the Employer Services portal puts you in control

Find care that's right for you

Find in-network doctors, facilities, prescriptions and more. Explore care options, or log in to Blue Connect to search existing coverage.

Understanding your plan options

No matter the size of your company, you can offer your employees the choice of two health plans4 for the benefits that best suit their needs. Just establish your base plan and choose another plan from our many options. Employers often choose a base and a buy-up option for those who want to spend less or need more benefits: 

  • Employer contribution – Set your contribution to your premium as a fixed dollar amount or fixed percentage for the base plan. Employees who want the richer benefit plan option can choose to buy-up to that plan. Your cost stays the same. 
  • Broad choice of plan designs – You’ll be able to adjust your plans on an annual basis as your business needs change. 

Our unique relationship with HealthEquity, Inc.® allows us to offer tax-favorable HSAs that are fully integrated with a member’s health plan. 

These HSAs offer major benefits for both employees and employers: 

  • Pair with any eligible high-deductible health plan on any network 
  • Employer and / or employee funds the account with pre-tax dollars up to limits set by the IRS 
  • Funds may be used for qualified medical expenses5
  • Unused amounts roll over to the next year without penalty 

The balanced funding6 option offers groups with at least 20 eligible employees the advantages of a self-funding plan with the financial protection and predictable monthly payments of a fully insured plan. 

This option provides several major cost-related benefits to members: 

  • Potential savings that can come from self-funding 
  • Predictable monthly rates, like a fully insured plan 
  • Integrated stop-loss coverage for protection against high-dollar claims 
  • Money-back opportunity – with balanced funding, Blue Cross NC will refund a portion of your claims surplus if you renew your coverage7

Make the most of your health care budget with total health bundling from Blue Cross NC. When you combine your Blue Cross NC medical plan with our dental, vision or select supplemental coverage through Mosaic Group℠, we’ll give you a credit on your monthly bill.8

Health and wellness resources

We offer helpful resources to help get the most from you plan.9

Blue Connect member site

Access the tools10 you need to manage your health plan and health care.

Blue Rewards℠ program

Find out how to get gift card rewards for making smart health choices.11

Blue365® health and wellness discounts

Save on health and wellness products, including Fitbit®, LASIK, and more!12

Preventive care covered services

Many services and prescriptions are considered preventive and covered at 100%.

Request a local group quote

See your local group insurance options. We’ll put together a detailed quote for your team.


  1. Blue Cross Blue Shield Association (BCBSA), (Accessed August 2022). BlueCard coverage varies for each BCBS Plan. For more complete details, including benefits, limitations and exclusions, please refer to your certificate of coverage.

  2. Telehealth benefits are available on all plans either from Blue Cross NC or through the provider network. Blue Cross NC provides the telehealth program for your convenience and is not liable in any way for the goods or services received. Blue Cross NC reserves the right to discontinue or change the program at any time without prior notice. Decisions regarding your care should be made with the advice of a doctor. Depending on your plan, selected programs may not be available to you at this time. Check with Blue Cross NC Customer Service to determine your eligibility. Blue Cross NC has contracted with a third-party vendor independent from Blue Cross NC to bring you telehealth benefits.

  3. Price position is an average based on a comparison of 1Q 2022 rates 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. Market footprint for 1/1/2023. Urgent and emergent care benefits in non-BlueHPN markets. Market footprint subject to change. In the North Carolina market, BlueHPN available as of 1/1/2023 to employees who live in one of these counties: Alexander; Anson; Cabarrus; Caswell; Catawba; Chatham; Cleveland; Davidson; Davie; Durham; Forsyth; Gaston; Granville; Guilford; Iredell; Lincoln; Mecklenburg; Orange; Person; Randolph; Rowan; Stanly; Stokes; Union; Wake; Wilkes; Yadkin; York County, SC.

  4. No restriction on dual-option plans based on group size, but some restrictions may apply based on health plan options. Talk to your Blue Cross NC representative for full details.

  5. Withdrawals are tax-free only if used for qualified medical expenses. Visit for a detailed description of qualified expenses. Consult your own legal counsel/tax advisor for any legal/tax questions.

  6. Special conditions apply. Please contact us at for more details.

  7. The refund only occurs if the group renews with Blue Cross NC. Refunds may not be guaranteed or may not exist depending upon claims liability.

  8. Groups and agents may contact their Blue Cross NC sales representative for program eligibility details. Total Health Bundling is generally available to new and qualified renewing fully insured 1-50 ACA medical groups who add new ancillary lines of coverage. The medical and ancillary plans must have the same group number and the same effective date. Not all groups may qualify. Blue Cross NC has the sole discretion to offer this program, and it may be subject to change or termination at any time.

  9. Blue Cross NC offers wellness programs as a convenience to aid members in improving their health; results are not guaranteed. Blue Cross NC may contract with independent third-party vendors for the provision of certain aspects of our wellness programs and is not liable in any way for goods or services received from them. These vendors do not offer Blue Cross or Blue Shield products or services. Blue Cross NC reserves the right to discontinue or change our wellness programs at any time. These programs are educational in nature. They are intended to help members make informed decisions about their health and comply with their doctor’s plan of care. Decisions regarding care should be made with the advice of a doctor.

  10. 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.

  11. Your chance to earn Blue Rewards may be available for a limited time only. Please note that it may take time for activities to show as completed in the Blue Connect℠ Activity Center and for you to receive your reward. Members should consult with their tax professional on the tax treatment of any reward. Must be at least 18 years old to participate. Participation restrictions apply based on plan type. Blue Cross NC reserves the right to change or discontinue Blue Rewards at any time, including changing dollar amounts and available rewards, without prior notification. Consult with your benefits administrator or visit for full program terms and conditions.

  12. Blue365 offers access to savings on items that members may purchase directly from independent vendors, which are different from items that are covered under the policies with Blue Cross NC. Any disputes regarding these products and services may be subject to the Blue Cross NC grievance process. Blue Cross and Blue Shield Association (BCBSA) may receive payments from Blue365 vendors. Neither Blue Cross NC nor BCBSA recommends, endorses, warrants or guarantees any specific Blue365 vendor or item. This program may be modified or discontinued at any time without prior notice.

HealthEquity, Mosaic Group, Fitbit and Prime Therapeutics are independent companies that are solely responsible for the services they provide. They do not offer Blue Cross or Blue Shield products or services. All other trade names are the property of their respective owners.