We can help you find an individual health insurance plan that includes Carolinas HealthCare System.

For residents of Metro Charlotte (NC and SC): For coverage starting in 2016, you can buy an individual health insurance plan on the Individual Health Insurance Marketplace from November 1, 2015 to January 31, 2016.

Choose a health insurance plan that includes Carolinas HealthCare System doctors and hospitals in its network. Why? Choosing us helps you keep your out-of-pocket costs down when you get care from us – and it gives you access to world-class care. That care includes specialized experts at Levine Cancer Institute, Levine Children's Hospital and Sanger Heart & Vascular Institute. We also offer urgent care, Virtual Visit and the region's largest primary care network of more than 200 locations.

For Charlotte Metro area, be aware of important changes when selecting an individual health insurance plan for 2016:

  • CoventryOne-Carolinas HealthCare System individual health insurance plans are no longer sold in North or South Carolina. If you have one of these plans, you will automatically be enrolled in a similar Aetna Leap-Carolinas HealthCare System plan. Learn more.
  • Blue Advantage, Blue Select and Multi-State individual health insurance plans from Blue Cross and Blue Shield of North Carolina are no longer sold in most of the Charlotte area. You may be automatically enrolled in a different plan, but there's a chance your out-of-pocket costs could go up. Learn more.

We're here to help you. Learn more about your options below.

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2015-2016 Individual Health Insurance Open Enrollment Key Dates

Open Enrollment Marketplace Timeline | Carolinas HealthCare System

North Carolina - Individual Health Insurance Plans

The health insurance plans below are offered on the Individual Health Insurance Marketplace in Metro Charlotte.*

Open Enrollment Marketplace Timeline | Carolinas HealthCare System

Download this plan table as a PDF

South Carolina - Individual Health Insurance Plans

The health insurance plans below are offered on the Individual Health Insurance Marketplace in Lancaster and York counties in South Carolina.

Open Enrollment Marketplace Timeline | Carolinas HealthCare System

Download this plan table as a PDF

FAQs and Helpful Info

Important individual health insurance plan changes for coverage in 2016

For coverage in 2016, CoventryOne-Carolinas HealthCare System individual health insurance plans from Coventry are no longer available in Metro Charlotte.

  • Metro Charlotte includes the following counties: Anson, Cabarrus, Cleveland, Gaston, Lincoln, Mecklenburg, Stanly and Union in North Carolina; Lancaster and York in South Carolina.
  • If you live in one of these counties and have a CoventryOne-Carolinas HealthCare System plan, Aetna will automatically enroll you in a similar Aetna Leap-Carolinas HealthCare System plan for 2016. With the Aetna Leap-Carolinas HealthCare System plan, you can pay a low premium and keep your out-of-pocket costs down when you get care from us.
  • If you want to stay enrolled in the Aetna Leap-Carolinas HealthCare System plan, you don't need to do anything.

For coverage in 2016, Blue Advantage, Blue Select and Multi-State individual health insurance plans from Blue Cross and Blue Shield of North Carolina are no longer available in most of the Metro Charlotte area.

  • These health insurance plans are no longer available in the following counties: Anson, Cabarrus, Mecklenburg, Rowan, Stanly and Union.
  • If you live in one these counties and have an individual Blue Advantage, Blue Select or Multi-State health insurance plan, Blue Cross and Blue Shield may automatically enroll you in a Blue Value health insurance plan. Carolinas HealthCare System doctors and hospitals are NOT included in Blue Value health insurance plans. This means you may pay higher out-of-pocket costs to get care from your trusted Carolinas HealthCare System doctors.
  • To keep your out-of-pocket costs down when you get care from us, switch to a health insurance plan that includes Carolinas HealthCare System doctors and hospitals. View the North Carolina Individual Health Insurance Marketplace plans.
  • Change your plan by December 17, 2015 for coverage to start January 1, 2016.
  • If you live in Cleveland, Gaston or Lincoln County, Blue Advantage, Blue Select and Multi-State individual health plans from Blue Cross and Blue Shield of North Carolina will still be available to you. View the North Carolina Individual Health Insurance plans to make sure you're choosing a health plan that keeps your out-of-pocket costs down when you get care from us.

We can help you understand your options. For more information about individual health insurance plans that include Carolinas HealthCare System doctors and hospitals, call 877-251-0256.

I’m hearing a lot of confusing health insurance terms. What do they mean?

Here are the meanings of some common health insurance terms:

  • Open Enrollment – The period of time that qualified individuals can enroll in a health insurance plan or switch to a new plan.
  • Individual Health Insurance Marketplace – The Individual Health Insurance Marketplace, often called the “Marketplace” or “Exchange,” is a resource for individuals and families to shop for and enroll in a health insurance plan. It also provides information on programs that can help people pay for coverage.
  • Premium – The amount you pay each month to keep your health insurance plan active.
  • Out-of-pocket costs – Your total expenses for medical care that are not paid by your health insurance plan.
  • Network – A group of doctors and hospitals that participate in a health insurance plan. Typically, you pay lower out-of-pocket costs if you go to doctors and hospitals that belong to your health insurance plan's network.
  • Metro Charlotte (NC and SC) includes the following counties: Anson, Cabarrus, Cleveland, Gaston, Lincoln, Mecklenburg, Stanly and Union in North Carolina; Lancaster and York in South Carolina.

Why do I need health insurance?

  • Most people in the US must have health coverage or pay a fee (also known as a fine or penalty). Learn more.
  • Having health insurance and choosing a primary care doctor are the best ways to keep you and your family healthy.

Why does it matter which doctors and hospitals are part of my plan?

Not all health insurance plans include the doctors and hospitals you may want to get care from, so it's important to choose a plan that gives you access to the doctors and hospitals you prefer.

Choosing Carolinas HealthCare System gives you access to world-class care. We offer:

  • Highly specialized care from experts at Levine Cancer Institute, Levine Children's Hospital, Sanger Heart & Vascular Institute and more
  • The region's largest primary care network with more than 700 doctors and 200 locations
  • Urgent Care when you need to see a doctor sooner
  • Virtual Visit, 24/7 care from your smartphone, tablet or computer

Find out more about the care you get at Carolinas HealthCare System.

To help keep your out-of-pocket costs down when you get care from us, choose a health insurance plan that includes Carolinas HealthCare System in its network.

How do I buy a health insurance plan on the Marketplace?

You can buy an individual health insurance plan on the Individual Health Insurance Marketplace starting November 1, 2015. Buy a plan by December 17, 2015 for coverage to start January 1, 2016.

To buy a plan:

  • Consider the healthcare needs of yourself and your family.
  • Check to see if you qualify for savings on health coverage.
  • Learn about your plan options. The information on this page can help you.
  • Call Carolinas HealthCare System at 877-251-0256 with questions before you buy.
  • Buy online at healthcare.gov, or contact an insurance broker or insurance carrier.

Do I qualify for savings on health coverage?

  • Health coverage savings are based on many factors, including the size of your family and your estimated income for 2016.
  • View the savings chart at healthcare.gov to see if you qualify.

How do I change my plan?

  • You can switch to a new health insurance plan during the open enrollment period – November 1, 2015 through January 31, 2016. If you want your coverage to start January 1, 2016, you will need to change your plan by December 17, 2015.
  • Change your health insurance plan online at healthcare.gov, or contact an insurance broker or insurance carrier.