Find Your Most Affordable Health Insurance Plan in Concord, North Carolina
in North Carolina
Cabarrus County residents can compare 16 health insurance options for 2026.
Blue Advantage gives you access to our largest nationwide network. This is a good option if you want a broad choice of in-network doctors, specialists and hospitals.
More in-network providers in North Carolina, with over 95% of doctors and 98% of hospitals in-network1
Fewer restrictions on which providers you can see
Nationwide access to in-network providers through BlueCard®2
Emergency services covered at the in-network benefit level regardless of where you go for care
Notes
Blue Cross NC Provider Internal Data; percentages indicated represent the Blue Cross NC PPO Network as of April 7, 2025.
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.
Blue Advantage is available on and off Marketplace to residents in all North Carolina counties EXCEPT the following, where it is available only off Marketplace: Alamance, Anson, Cabarrus, Caswell, Chatham, Cleveland, Davidson, Davie, Durham, Forsyth, Franklin, Gaston, Johnston, Lee, Lincoln, Mecklenburg, Orange, Person, Rowan, Stanly, Stokes, Surry, Union, Wake, and Yadkin.
Blue Home with Novant Health is a good option if you wish to get care from Novant Health’s provider network and its affiliated doctors and hospitals. Since the majority of doctors in this plan are in the same network, it’s easier for them to work together on your behalf.
Novant Health’s network of hospitals, doctors and affiliated providers including over 2,000 physicians.2
A provider network that includes more than 850 locations, including Novant Health’s not-for-profit integrated system of 19 medical centers.2
All doctors outside the Novant Health provider network are considered out-of-network and not covered for Blue Home with Novant Health. Out-of-network benefit coverage is not available except for emergency services, urgent care and for medically necessary covered services when an in-network provider is not reasonably available per the access to care standards of Blue Cross and Blue Shield of North Carolina (Blue Cross NC).
Out-of-state providers are also out-of-network and not covered. When traveling outside of North Carolina or the United States, only emergency services and urgent care will be covered at the in-network benefit level. All other non-emergency services will be out-of-network and not covered.
Notes
Blue Cross NC has collaborated with Novant Health to bring you Blue Home with Novant Health. Blue Home with Novant Health is a health insurance plan offered by Blue Cross NC that provides access to a limited network of providers. Novant Health is an independent company that is solely responsible for the physicians and medical facilities it owns and operates. Novant Health does not offer Blue Cross or Blue Shield products or services.
Novant Health, www.novanthealth.org/home/about-us/company-information.aspx (Accessed August 2024).
Blue Home with Novant Health is available on and off Marketplace to residents of these North Carolina counties: Cabarrus, Davidson, Forsyth, Mecklenburg, Rowan, Stokes, Union, and Yadkin.
Blue Local with Atrium Health is a good option if you wish to get care from Atrium Health and its affiliated doctors and hospitals. Since the majority of doctors in this plan are in the same health care system, it’s easier for them to work together on your behalf.
A provider network that includes: Atrium Health Carolinas Medical Center – named “Best Hospital” in the Charlotte metro region.2
Atrium Health Wake Forest Baptist (pre-eminent academic health system).3
Two children’s hospitals: Levine Children’s Hospital (nationally ranked in eight specialties)4 and Brenner Children’s Hospital.
Atrium Health Wake Forest Baptist Comprehensive Cancer Center – one of only three comprehensive cancer centers in North Carolina.5
26 hospitals and more than 650 care locations in NC and SC.6
All doctors outside the Atrium Health provider network are considered out-of-network and not covered for Blue Local with Atrium Health, including: CaroMont Health, Cone Health, Novant Health and their affiliated providers. Out-of-network benefit coverage is not available except for emergency services, urgent care and for medically necessary covered services when an in-network provider is not reasonably available per the access to care standards of Blue Cross and Blue Shield of North Carolina (Blue Cross NC).
Out-of-state providers are also out-of-network and not covered. When traveling outside of North Carolina or the United States, only emergency services and urgent care will be covered at the in-network benefit level. All other non-emergency services will be out-of-network and not covered.
Notes
Blue Cross NC has collaborated with Atrium Health to bring you Blue Local with Atrium Health, a health insurance plan offered by Blue Cross NC that provides access to Atrium Health’s comprehensive network of providers. Atrium Health is an independent company and is solely responsible for the physicians and medical facilities it owns/operates. Atrium Health does not offer Blue Cross or Blue Shield products or services.
Atrium Health, atriumhealth.org/about-us/newsroom/news/atrium-health-earns-multiple-us-news-and-world-report-honors (Accessed September 2023).
Atrium Health Wake Forest Baptist, www.wakehealth.edu/about-us (Accessed August 2022).
Atrium Health, www.atriumhealth.org/about-us (Accessed August 2022).
Atrium Health Wake Forest Baptist, www.wakehealth.edu/locations/facilities/comprehensive-cancer-center (Accessed September 2023).
Atrium Health, https://2023yir.advocatehealth.org/ (Within the full report) (Accessed September 2024).
Blue Local with Atrium Health is available on and off Marketplace to residents of these North Carolina counties: Anson, Cabarrus, Cleveland, Davidson, Davie, Forsyth, Gaston, Guilford, Lincoln, Mecklenburg, Randolph, Rowan, Stanly, Stokes, Union, Wilkes and Yadkin.
Blue Care gives you access to our largest statewide network. This is a good option if you want a broad choice of in-network doctors, specialists and hospitals.
More than 92% of doctors and 97% of hospitals in North Carolina are in-network.1
All doctors outside the Blue Care provider network are considered out-of-network and not covered. Out-of-network benefit coverage is not available except for emergency services, urgent care and for medically necessary covered services when an in-network provider is not reasonably available per the access to care standards of Blue Cross and Blue Shield of North Carolina (Blue Cross NC).
Out-of-state providers are also out-of-network and not covered. When traveling outside of North Carolina or the United States, only emergency services and urgent care will be covered at the in-network benefit level. All other non-emergency services will be out-of-network and not covered.
Blue Care is available in all North Carolina counties, except: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake.
in Cabarrus County
Find affordable health insurance in Concord, North Carolina, NC with Health Plans of NC. Health Plans of NC helps residents of Concord, North Carolina find affordable, comprehensive health coverage for 2026, with access to plans that connect directly to local providers like Atrium Health Cabarrus. Whether you are employed, self-employed, or between jobs, our licensed agents guide you through every available option at no cost to you.
Plan Network | Type | Network Coverage |
|---|---|---|
Blue Advantage | PPO | Largest nationwide network, 95%+ of NC doctors in-network |
Blue Care | PPO | Broad statewide network, 92%+ of NC doctors in-network |
Blue Local with Atrium Health | PPO | Available in Concord, North Carolina |
Blue Home with Novant Health | PPO | Available in Concord, North Carolina |
Concord, North Carolina is home to 106,518 residents and has experienced stable population growth of 0.0 percent since 2020, reflecting a mature and established community with diverse and ongoing healthcare needs. With 12.5 percent of residents being foreign-born, multilingual and culturally accessible coverage options are especially important for many Concord households. Major local employers including Atrium Health, Cabarrus County Schools, Amazon, FedEx, and Walmart each offer different benefit structures, making it critical for workers and their families to understand all available coverage pathways, including those provided through Health Plans of NC.
ACA Marketplace coverage is available to Concord residents who work for employers like Amazon or FedEx without group benefits, or who are self-employed and need individual or family plans.
Medicaid coverage is a key option for lower-income Concord residents, including workers in entry-level roles at Walmart or other large employers who may fall within expanded eligibility thresholds.
Employer-sponsored insurance is offered by major Concord employers such as Atrium Health and Cabarrus County Schools, providing group benefits to full-time employees and their dependents.
Short-term health coverage can serve Concord residents who are transitioning between jobs at local employers like FedEx or Amazon and need temporary protection while securing long-term coverage.
COBRA continuation coverage allows Concord residents who recently lost employer-sponsored benefits, such as those previously covered through Atrium Health or Cabarrus County Schools group plans, to maintain their existing coverage temporarily.
Small business SHOP Marketplace plans are available to Concord small business owners who want to offer group benefits to their employees and gain access to provider networks that include Atrium Health Cabarrus and Novant Health.
For 2026, Blue Cross NC offers 16 Marketplace plans in Concord, North Carolina across four distinct provider networks, each connecting enrollees to different local hospitals and health systems. These networks include both broad statewide PPO options and locally focused PPO plans that are specifically built around Concord-area health systems such as Atrium Health Cabarrus and Novant Health. Selecting the right network is essential for Concord residents who want to ensure their preferred doctors, specialists, and facilities remain in-network throughout the year.
Blue Advantage, a PPO network, provides the largest nationwide coverage with more than 95 percent of North Carolina doctors in-network, making it ideal for Concord residents who travel frequently or want maximum provider flexibility.
Blue Care, a PPO network, offers broad statewide coverage with more than 92 percent of North Carolina doctors in-network, giving Concord residents strong access to regional and specialty providers across the state.
Blue Local with Atrium Health, a PPO network, is specifically available in Concord, North Carolina and centers care around Atrium Health Cabarrus, connecting enrollees to emergency, cardiac, and cancer care services in the local area.
Blue Home with Novant Health, a PPO network, is also available in Concord, North Carolina and connects enrollees to Novant Health facilities, offering a locally focused alternative for residents who prefer Novant providers.
All four networks in Concord are structured as PPO plans, meaning residents generally have the flexibility to see both in-network and out-of-network providers, though in-network care results in significantly lower out-of-pocket costs.
Health Plans of NC agents can compare all four network options side by side to help Concord residents identify which plan best aligns with their current doctors, preferred health systems, and anticipated care needs for 2026.
Bronze plans in Concord, North Carolina start at approximately $443.10/month before subsidies. Silver plans start at $569.49/month. Gold plans start at $588.91/month. With a median household income of $84,752, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans start at $443.10 per month in Concord for a 35-year-old, offering the lowest available monthly premiums paired with higher deductibles for residents who want catastrophic protection at an accessible cost.
Silver plans start at $569.49 per month in Concord and are the only tier eligible for cost-sharing reductions, making them the most financially advantageous choice for qualifying lower-income households.
Gold plans start at $588.91 per month in Concord and feature higher monthly premiums offset by lower deductibles and out-of-pocket costs, benefiting residents who use healthcare services frequently throughout the year.
Premium tax credits are available to Concord residents earning between 100 and 400 percent of the federal poverty level, with enhanced subsidies under current law extending savings to households earning well above that range.
Some Concord residents may qualify for a zero-dollar monthly premium after applying available subsidies, effectively eliminating the cost of coverage while retaining full access to Blue Cross NC provider networks.
Out-of-pocket maximums vary by plan tier and network in Concord, so residents managing ongoing care needs should compare Gold plan maximums against projected annual costs to determine their most cost-effective option.
For 2026, Blue Cross NC is the sole ACA Marketplace carrier serving Concord, North Carolina, offering a total of 16 individual and family plans within Rating Area 2 for Cabarrus County residents. These plans are available across four provider networks, Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health, each structured as a PPO to give enrollees varying degrees of provider flexibility. Blue Local with Atrium Health and Blue Home with Novant Health are locally anchored networks that connect Concord residents directly to the two major health systems operating in their area, while Blue Advantage and Blue Care extend coverage more broadly across North Carolina and beyond. The network a Concord resident selects determines which doctors, specialists, and hospitals are covered at in-network rates, making it essential to verify provider participation before finalizing enrollment. Health Plans of NC compares every Blue Cross NC plan side by side at no cost, helping Concord families identify the best combination of network access, plan structure, and monthly cost for their specific situation.
Blue Cross NC, PPO plans including Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health, offering 16 total ACA Marketplace plans available in Concord, North Carolina for 2026.
North Carolina expanded Medicaid in December 2023, extending free or low-cost coverage to adults in Concord earning up to 138 percent of the federal poverty level who may not have previously qualified. Currently, 8.3 percent of Concord residents, approximately 9,000 people, remain uninsured, and many of these individuals may now be eligible for Medicaid under the expanded program without realizing it. Children in Concord families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, the state's CHIP program, providing comprehensive pediatric coverage at little or no cost. Health Plans of NC offers free eligibility checks so Concord residents can quickly determine whether they qualify for Medicaid, CHIP, or a subsidized Marketplace plan.
Working adults in Concord who are employed part-time or in lower-wage positions and earn at or below 138 percent of the federal poverty level may now qualify for full Medicaid coverage under North Carolina's expansion.
Children in Concord households are eligible for NC Health Choice CHIP coverage if their family income falls within qualifying thresholds, ensuring access to preventive care, dental, and vision services.
Pregnant women in Concord may qualify for Medicaid coverage during pregnancy and for a period following delivery, covering prenatal visits, hospital care, and postpartum services at no cost.
Seniors in Concord with low income may qualify for dual coverage through both Medicare and Medicaid, reducing or eliminating out-of-pocket costs for medical and long-term care services.
Concord residents living with disabilities who meet income and functional criteria may qualify for Medicaid, and with a local poverty rate of 8.6 percent, a meaningful share of the community may be eligible for assistance they have not yet claimed.
Health Plans of NC licensed agents serve Concord, North Carolina residents at no cost, comparing every available 2026 plan side by side to find the right fit for your budget, providers, and health needs. Call us today at 800-797-0327 to get personalized guidance and complete your enrollment with confidence.
Call 800-797-0327 (toll free) to speak with a licensed Health Plans of NC agent serving Concord, North Carolina
Email [email protected] with questions about plans available in your zip code
Find a licensed agent and book directly at healthplansofnc.com/agents
No cost, no pressure. Compare every 2026 plan available in Concord, North Carolina at no charge.
Concord, North Carolina ZIP Codes include: 28025, 28026, and 28027
