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Changes to the enhanced premium tax credit may impact your insurance premiums for 2026. Learn How This Might Impact You Shop Plans Health coverage for individuals and families

Explore our health insurance plans with coverage for people under the age of 65.

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Compare costs and find the benefits you need. Get a Quote
Our coverage

Our health plans include many benefits designed to keep you healthy, save you money, and simplify your coverage:

  • 95% of North Carolina doctors are in-network1
  • Health and well-being programs to support a healthy lifestyle2
  • No referrals needed to see a specialist
  • 3 no-cost primary care visits3
  • Maternity, newborn, and pediatric care
  • Online tools to help you find doctors, compare costs, and more4
Which plan is right for you?

Each of our plans covers different counties in North Carolina, and they come with a variety of options to choose from. To find out which plans are available in your location, enter some information to get a quote based on your personal needs.
Blue Advantage

The Blue Advantage® plan could be right for you if you want a broad choice of providers across the state and nationwide. With Blue Advantage, you get:

  • Access to our largest selection of in-network doctors, specialists, and hospitals in North Carolina and nationwide through BlueCard®.5
Explore this Plan
Blue Care

The Blue Care® plan might be right for you if you need more choices for in-network providers, doctors, facilities, and hospitals in North Carolina. With this Blue Care plan, you get:

  • Access to our largest statewide network of providers in North Carolina.
  • A lower monthly premium than our Blue Advantage plans.
Explore this Plan
Blue Value

The Blue Value℠ plan could be right for you if you're flexible about which providers you see. With Blue Value, you get:

  • A smaller selection of in-network providers statewide.
  • A lower monthly premium than our Blue Advantage plans.
Explore this Plan
Blue Local with Atrium Health

Blue Local℠ with Atrium Health® might be the right choice for you if you need your providers to be affiliated with Atrium Health. With this Blue Local plan, you get:

  • Access to Atrium Health providers.
  • Lower monthly premium costs.
Explore this Plan
Blue Home with Novant Health

Blue Home℠ with Novant® Health might be the right choice for you if you need your providers to be affiliated with the Novant Health system. With this Blue Home plan, you get:

  • Access to Novant Health providers.
  • Lower monthly premium costs.
Explore this Plan
Blue Home with UNC Health Alliance

Blue Home with UNC Health® Alliance might be the right choice for you if you need your providers to be affiliated with the UNC Health Alliance system. With this Blue Home plan, you get:

  • Access to UNC Health Alliance providers.
  • Lower monthly premium costs.
Explore this Plan
Blue Home with Cone Health

The Blue Home with Cone Health® plan could be right for you if you need providers affiliated with Cone Health. With this plan, you get:

  • Access to the Cone Health network.
  • Lower monthly premium costs.
Explore this Plan View Limitations and Exclusions Health and well-being benefits

Enjoy benefits and programs that can help you feel your best. 
Blue Rewards℠

Earn gift card rewards for smart health choices, such as learning about your health plan.6
Telehealth

24/7 virtual telehealth options for mental and physical health (available in English and Spanish).7
Blue365®

Get discounts on products related to fitness, personal care, healthy eating, and more.8
Support

Get access to programs to help you control type 2 diabetes and quit smoking.9
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.

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Shopper resources
Point of Blue

A look ahead at ACA health insurance

Here’s a look at what’s driving changes for individual ACA (Affordable Care Act) plans in 2026 — and what we’re doing to help.

Read More

Federal premium help for ACA plans is changing

Discover how changes to federal subsidies could impact your ACA health plan costs in 2026.

Read More

A beginner's guide to understanding health insurance

Breaking down key terms.

Read More
Read Our Blog
What else can we help you find?
Dental plans

Protect your oral health with affordable dental plan options that fit your needs and budget.
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Vision plans

Choose comprehensive vision coverage with access to retail and private practice eye doctors.
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Travel coverage

Visit GeoBlue to find third-party coverage that protects you while you're traveling.
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Disclosures:

All plans may not be available in all geographic areas. 

This webpage contains information only. It is not your insurance policy. Your policy and application are your contract. If there is any difference between this webpage and the policy, the provisions of the policy will control.

Your actual rate is based on the deductible and plan you choose, your age, the number of family members covered and your county of residence. Deductibles, coinsurance, limitations and exclusions apply to this coverage. Further details of coverage, limitations and exclusions, and terms under which the policy can be continued in force, will be included in your free information package.

  1. Blue Cross NC Provider Internal Data; percentages indicated represent Blue Cross NC's Network as of April 7, 2025.

  2. 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.

  3. Three no-cost PCP visits available on select plans.

  4. 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.

  5. 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 (BCBS) plan. For more complete details, including benefits, limitations and exclusions, please refer to your certificate of coverage.

  6. 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.

  7. 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.

  8. 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.

  9. Blue Cross NC provides tobacco cessation and diabetes reversal programs for your convenience. Blue Cross NC is not liable in any way for the goods or services received through the respective vendors. Blue Cross NC reserves the right to discontinue or change the program at any time without prior notification. Decisions regarding your care should be made with the advice of your doctor. 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 these offerings.

  10. Subsidies are only available for plans purchased through the federal Health Insurance Marketplace. Eligibility for and actual amount of any subsidy is determined by the federal Health Insurance Marketplace. Visit www.healthcare.gov for more information.

Preventive care services, as defined by federal regulations, are covered at no charge in-network. Federally- and state-mandated preventive services are available out-of-network, for which members will pay deductible and coinsurance, plus charges over the allowed amount. Visit BlueCrossNC.com/Preventive for more details.

Blue Cross NC has collaborated with Atrium Health to bring you Blue Local℠ with Atrium Health®, Novant Health to bring you Blue Home℠ with Novant® Health, and UNC Health to bring you Blue Home with UNC Health® Alliance. Blue Local with Atrium Health, Blue Home with Novant Health and Blue Home with UNC Health Alliance are health insurance plans offered by Blue Cross NC that provide access to limited networks of providers. Atrium Health, Novant Health and UNC Health are independent companies that are solely responsible for the physicians and medical facilities they own and operate. These companies do not offer Blue Cross or Blue Shield products or services.

®, ℠ Marks of the Blue Cross and Blue Shield Association. All other marks and trade names are the property of their respective owners. Blue Cross NC is an independent licensee of the Blue Cross and Blue Shield Association. NGFEPO-I, 5/25; NGFPPO-I, 5/25; ACAPOS-I, 5/25; NGFACAHMO-I, 5/25.

For enrollments made between Dec. 16, 2025, and Jan. 15, 2026, coverage will begin on Feb. 1, 2026.

Coverage trusted by North Carolinians: Blue Cross NC Brand Tracking; Burke; November 2024. Data comparison against top competitors that sell in the Individual market in NC.

U46615, 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.

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.

Like most health care plans, Blue Advantage, Blue Care, Blue Home with Cone Health, Blue Home with Novant Health, Blue Home with UNC Health Alliance, Blue Local with Atrium Health and Blue Value have some limitations and exclusions.

Once you’re enrolled, a Member Guide will be made available to you. It will contain detailed information about your plan benefits, exclusions, and limitations.

This is a partial list of benefits and services that are not covered:

  • Services for or related to assisted reproductive technology or for reversal of sterilization
  • Treatment of sexual dysfunction not related to organic disease
  • Services that are investigational in nature or obsolete, including any service, drug, procedure or treatment directly related to an investigational treatment, except as specifically covered by this health benefit plan
  • Side effects and complications of non-covered services, except for emergency services in the case of an emergency
  • Services that are not medically necessary
  • Dental services provided in a hospital, except as specifically covered by your health benefit plan
  • Services or expenses that are covered by any governmental unit except as required by federal law
  • Services received from an employer-sponsored dental or medical department
  • Services received or hospital stays before (or after) the effective dates of coverage
  • Custodial care, domiciliary care or rest cures
  • Eyeglasses or contact lenses or refractive eye surgery, except as specifically covered by your health benefit plan
  • Routine eye examinations for adults
  • Services for cosmetic purposes, except as specifically covered by your health benefit plan
  • Services for routine foot care that is palliative or cosmetic
  • Travel, except as covered by your health benefit plan
  • Inpatient admissions that are primarily for physical therapy, diagnostic studies or environmental change
  • Services that are rendered by or on the direction of those other than doctors, hospitals, facility and professional providers
  • For any condition suffered as a result of any act of war or while on active or reserve military duty
  • Services for which a charge is not normally made in the absence of insurance, or services provided by an immediate relative
  • Non-prescription drugs, except as specifically covered by your health benefit plan
  • Prescription drugs or refills which exceed the maximum supply
  • Personal hygiene, comfort and/or convenience items
  • Telephone consultations not provided through telehealth benefits, charges for failure to keep a scheduled visit, charges for completion of a claim form, charges for obtaining medical records and late payment charges
  • Services primarily for educational purposes
  • Services not specifically listed as covered services

Select an option below to get started:

To search existing coverage, log in to Blue Connect.
Preventive Care Mental Health Care Dental Care Vision Care Something else See if my doctor is in network

Select a plan type to browse in-network doctors, medications, and pharmacies.
Health Plan Medicare Plan Select Network Plan Dental Plan Vision Plan Explore member care resources

For a search customized to your plan, log in to Blue Connect℠.

What kind of care are you searching for?
Doctor or Facility Medication or Pharmacy

Medicare Supplement members may visit any doctor who accepts Medicare, with no network requirement.

For a search customized to your plan, log in to Blue Connect℠.

What kind of care are you searching for?
Doctor or Facility Medication Pharmacy Other care resources

For a search customized to your plan, log in to Blue Connect℠.

Select your Rx letter code:

Your Rx letter code is in the lower right corner of your member ID card. It will be a combination of a letter and number, like 2A or D4.
Codes with a 2 Codes with a 3 Codes with a 4 Codes with a 5 Shopping for a plan or don't know your code?

For a search customized to your plan, log in to Blue Connect℠.

Select a resource to continue
Autism Services Diabetes Management Cancer Care In-Network Labs Lactation Counseling Joint and Muscle Pain Maternal Health Mental Health Care Nutrition Services Preventive Care

Select your Rx letter code:

Your Rx letter code is in the lower right corner of your member ID card. It will be a combination of a letter and number, like 2A or D4.
Codes with an A Codes with a B Codes with a C Codes with a D Codes with an E Codes with an F Shopping for a plan or don't know your code?

For a search customized to your plan, log in to Blue Connect℠.

Select an option below to continue:

To search existing coverage, log in to Blue Connect.
Autism services Lactation counseling Services outside of NC Select Network providers In-network labs Medicare drug lists and coverage