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Shop Plans Carolina HealthWorks

Medical, dental, and vision coverage at affordable rates for employers with 2 to 50 employees.
Large-scale plan advantages for small employers

Carolina HealthWorks is a special multiple employer welfare arrangement available to members of the NC Chamber or participating local chambers.

Employers with 2 to 50 employees who are members of the NC Chamber or participating local chambers receive access to a Blue Cross and Blue Shield of North Carolina (Blue Cross NC) health plan with competitive rates, flexibility, and convenience normally reserved for larger businesses. Claims and plan administration are funded through a fixed monthly fee, and risk-based pricing provides potential savings compared to more expensive community-rated options.
Solutions for your small business

This easy-to-manage plan offers your business:

  • Competitive rates
  • Fixed monthly payments
  • Multiple plan options, including health savings accounts (HSAs), no deductibles, dental coverage, vision coverage, and more
Quality coverage for your employees

Carolina HealthWorks offers employees plans that deliver the care they need:

  • Affordable plans
  • Network includes more than 2 million doctors and hospitals nationwide1
  • Coverage in nearly 200 countries and territories2
  • Health & wellness programs3 at no additional cost, including Blue Rewards℠4 and Blue365® discounts5

Helping your business compete and succeed

Learn more about this flexible, affordable health insurance plan created through a partnership between the NC Chamber and Blue Cross NC.

Gary: We believe each and every North Carolina business plays a vital role in our state's future.  

Julie: We also understand how important employee benefits, including affordable, quality health insurance, are to helping your business compete and succeed.  

[Screen Text] Julie Bare, Director of Local Group Segment, Blue Cross and Blue Shield of North Carolina (Blue Cross NC)

Julie: Hello, I’m Julie Bare with Blue Cross and Blue Shield of North Carolina.

[Screen Text] Gary Salamido, President & CEO, NC Chamber

Gary: And I’m Gary Salamido with the North Carolina Chamber.

Julie: We share a common goal to help North Carolina businesses, and their employees, thrive. After all, a healthy business depends on a healthy workforce.

Gary: That’s why we’re excited to announce a new health plan created through a partnership between the North Carolina Chamber, the state’s leading business advocacy organization, and Blue Cross North Carolina, the state’s most preferred health insurer.

[Screen Text] Blue Cross NC + Chamber Logo and Carolina HealthWorks logo.

[Screen Text Disclosure Content] Blue Cross NC Brand Tracking; Burke; November 2024. Data comparison against top competitors that sell across all markets in NC.

Gary: Carolina HealthWorks offers companies with 2 to 50 employees the flexibility, convenience, and competitive rates typically enjoyed by larger companies.

[Screen Text] Carolina HealthWorks logo

2–50 Employees

Flexibility

Convenience

Competitive rates

Julie: This plan has many of the same advantages available to larger employers, while also being easy to manage. It offers a variety of health plans, including HSA eligible plans, plans with no deductible or coinsurance, as well as dental and vision coverage. All with fixed monthly payments, and – best of all – great opportunities to save!

[Screen Text] Carolina HealthWorks logo

Good for Business

Easy to manage

A variety of health plans

Fixed monthly payments

Great opportunities to save

Julie: A Carolina HealthWorks medical plan is good for employees, too. Coverage is affordable – and extensive – thanks to our broad nationwide network. Carolina HealthWorks also offers many health and wellness programs – at no additional cost.

[Screen Text] Carolina HealthWorks logo

Good for Employees

Affordable coverage

Extensive provider network [Disclosures] 1,2

Health & wellness programs

[Screen Text Disclosure Content] 1 "97% of U.S hospitals are in-network." Blue Cross and Blue Shield Association. (Revised January 2024). "Network Portfolio Statistics" (Accessed August 2024).

2 "92% of North Carolina doctors are in-network." Blue Cross NC Provider Internal Data; percentages indicated represent Blue Cross NC's PPO Network as of May 31, 2024.

Gary: Carolina HealthWorks is just one of many benefits available to members of the North Carolina Chamber and participating local chambers throughout all of North Carolina.

[Screen Content] NC Chamber Federation Members logo along with image of NC map depicting locations with red dots where local affiliates can be found across the state

Gary: If you’re not already a member, join us so you too can have a voice at the table and an advocate at your side.

Julie: To see how Carolina HealthWorks may be a good fit for your company, contact your authorized Blue Cross North Carolina representative – or visit BlueCrossNC.com/HealthWorks.

[Screen Text] Carolina HealthWorks logo

Talk to your authorized Blue Cross NC representative or visit BlueCrossNC.com/HealthWorks.

[Screen Text Disclosure Content] Offer details pending NC Department of Insurance approval. The North Carolina Chamber is the sponsor of Carolina HealthWorks, which is a self-insured non-plan Multiple Employer Welfare Arrangement.

Administrative services are provided by Blue Cross and Blue Shield of North Carolina. The North Carolina Chamber of Commerce and Carolina HealthWorks are separate entities and do not provide Blue Cross and Blue Shield products or services. 

®, SM are 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. U47615, 6/25
Next steps for coverage

Carolina HealthWorks is only available to members of the NC Chamber or one of its participating local chambers.
Learn about Carolina HealthWorks

Reach out to your authorized Blue Cross NC agent or contact us for help deciding which Carolina HealthWorks plan works best for your business.
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Future NC Chamber Members

If you’re not already an NC Chamber member, join now to take advantage of Carolina HealthWorks and all of the many member benefits available.
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Disclosures:

Offer details pending NC Department of Insurance approval.

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.

  1. Blue Cross Blue Shield Association (February 2024). "Blue Facts Sheet 2024" [Fact sheet] (Accessed August 2024). 

  2. Covered in nearly 200 countries and territories worldwide through the Blue Cross and Blue Shield Association BlueCard® program. ​www.geo-blue.com/ (Accessed March 2025). BlueCard coverage varies for each Blue Cross and Blue Shield plan. For more complete details, including benefits, limitations and exclusions, please refer to your certificate of coverage.

  3. 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.

  4. 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 Cross NC member portal 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 BlueCrossNC.com/BlueRewards for full program terms and conditions.

  5. 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.

U48239, 10/25

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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© 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.