Your Health Is Important. So Is the Health Insurance Coverage You Choose.

Make sure the insurance plan you choose includes the Carolinas HealthCare System doctors and hospitals you trust.

This year, Open Enrollment for individual health insurance coverage – the period of time when you can sign up for a new health insurance plan sold on the Individual Health Insurance Marketplace or make changes to your current individual plan for 2018 – is much shorter. You only have 45 days to make choices that may affect your healthcare.

As a trusted healthcare system caring for our communities, we can help answer questions and make the process easier.

Plans sold on the Individual Health Insurance Marketplace in North Carolina and South Carolina vary by county.

View Plans by County FAQs

Key Dates

NOVEMBER 1, 2017

OPEN ENROLLMENT BEGINS

DECEMBER 15, 2017

OPEN ENROLLMENT ENDS

JANUARY 1, 2018

NEW COVERAGE BEGINS

Why Choose Carolinas HealthCare System?

When you choose a health insurance plan that includes Carolinas HealthCare System, you get:

  • World-class care from experts at Levine Cancer Institute, Levine Children's Hospital, Sanger Heart & Vascular Institute and more
  • Unmatched access to primary care, on-demand care including urgent care and online video health visits, and the region's only Level I trauma center
  • Peace of mind that you can keep your out-of-pocket costs down when you get care from us

What Plans Include Carolinas HealthCare System in Network?

Carolinas HealthCare System doctors and hospitals are preferred in the following plans sold on the Individual Health Insurance Marketplace for 2018:

Metro Charlotte, NC Area

Blue Local with Carolinas HealthCare System from
Blue Cross and Blue Shield of NC

Blue Advantage from Blue Cross and Blue Shield of NC

Metro Charlotte, SC Area

BlueEssentials from BlueCross BlueShield of SC

CHS 11 County Map
Important Notes

Blue Value health insurance plans from Blue Cross and Blue Shield of NC do NOT include our doctors and hospitals.

Blue Select health insurance plans from Blue Cross and Blue Shield of NC include Carolinas HealthCare System, but many of our doctors and hospitals are NOT preferred providers in this plan, so your out-of-pocket costs may be higher for care from us.

View a complete list of plans by county, including those that allow you to pay less out of pocket when getting care from Carolinas HealthCare System doctors and hospitals.

What if I Need Emergency Care?

If you have a medical emergency you should go to the closest hospital emergency room. Carolinas HealthCare System hospitals provide services to all patients seeking treatment for an emergency medical condition, regardless of their health insurance plan or ability to pay for emergency services.


How to Enroll in or Change Plans

For more information or to change your plan, you can:

  • Visit Healthcare.gov to enroll online.
  • If you live in North Carolina, stop by Blue Cross and Blue Shield of NC's BlueStore located at 8156 S. Tryon St. in South Charlotte. Agents are on-site to help you enroll.
  • Talk with your health insurance agent.

Open Enrollment for Individual Health Insurance Coverage

Frequently Asked Questions


What is the Individual Health Insurance Marketplace?

The marketplace is an online resource where you can shop for, compare, and enroll in or update a health insurance plan. You can also see if you're eligible for savings.

What is open enrollment for the Individual Health Insurance Marketplace?

"Open enrollment" is a period of time when you can enroll in or make changes to a health plan. For 2018 Marketplace plans, the sign up period is half as long as it's been in previous years. Open enrollment begins November 1, 2017 and ends December 15, 2017; that means you only have 45 days to make your choice for a 2018 Marketplace health plan.

Why do I need to change or review my plan?

Changes are made to health insurance plans available on the Individual Health Insurance Marketplace each year. These changes may affect which doctors, hospitals and other providers are included in a plan, as well as the costs you will be responsible for paying. It is important that you understand which doctors and hospitals are in your health insurance plan before making a decision.

What is a network?

A "network" is a group of doctors, hospitals, pharmacies and other healthcare providers that participate in a specific health insurance plan. Usually, your out-of-pocket costs are lower if you seek care from doctors and hospitals that belong to your health insurance plan's network.

Can I keep my doctors?

It depends. Most Marketplace health insurance plans in our area include a limited number of doctors, hospitals, pharmacies and other healthcare providers. In some cases, your insurance company may not pay for your care if you go to a doctor or hospital that is not in your health insurance plan. If staying with your current doctors is important to you, be sure to check if they are included in a health insurance plan before making a decision. It is important to know that if you have a medical emergency, you should go to the closest hospital emergency room. Carolinas HealthCare System hospitals provide services to all patients seeking treatment for an emergency medical condition, regardless of their health insurance plan or ability to pay for emergency services.

Why do I need health insurance?

Health insurance helps you pay for your care. It's impossible to predict what your medical bills will be each year; having coverage gives you the peace of mind that you are protected from very high medical expenses.

Studies show that people with health insurance are much more likely than those without it to use preventive health services and necessary prescription drugs. They are also less likely to incur medical debts.

Also, if you can afford health insurance, but choose not to get it, you may be required to pay a fee – sometimes called a "penalty" or "fine" – when you pay your federal income taxes.

What are out-of-pocket costs?

Out-of-pocket costs are your total expenses for medical care that are not paid by your health insurance plan.

How can I get more information?

Whether you're applying for the first time or already have a 2017 individual health insurance plan that you need to update, you can:

How do I know which Individual Health Insurance Marketplace plans include Carolinas HealthCare System doctors and hospitals?

Carolinas HealthCare System doctors and hospitals are preferred in the following plans sold on the Individual Health Insurance Marketplace for 2018:

Metro Charlotte, NC Area

  • Blue Local with Carolinas HealthCare System from Blue Cross and Blue Shield of NC
  • Blue Advantage from Blue Cross and Blue Shield of NC

Metro Charlotte, SC Area

  • BlueEssentials from BlueCross BlueShield of SC

Important Notes:

  • Blue Value health insurance plans from Blue Cross and Blue Shield of NC do NOT include our doctors and hospitals as in network providers.
  • Blue Select health insurance plans from Blue Cross and Blue Shield of NC include Carolinas HealthCare System in its network, but many of our doctors and hospitals are NOT preferred providers in this plan, so your out-of-pocket costs may be higher for care from us.

View a complete list of plans by county, including those that allow you to pay less out of pocket when getting care from Carolinas HealthCare System doctors and hospitals.

What if I have an emergency?

If you have a medical emergency, you should go to the closest hospital emergency room. Carolinas HealthCare System hospitals provide services to all patients seeking treatment for an emergency medical condition, regardless of their health insurance plan or ability to pay for emergency services.

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