Find Your Most Affordable Health Insurance Plan in Matthews, North Carolina
in North Carolina
Mecklenburg County residents can compare 17 health insurance options for 2026.
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 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 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 Mecklenburg County
Find affordable health insurance in Matthews, North Carolina, NC with Health Plans of NC. Health Plans of NC helps Matthews, North Carolina residents find affordable, comprehensive health coverage for 2026, working alongside local employers like Atrium Health and major institutions such as Novant Health Presbyterian Medical Center to connect every household with the right plan.
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 Matthews, North Carolina |
Blue Home with Novant Health | PPO | Available in Matthews, North Carolina |
Matthews, North Carolina is home to 29,959 residents, with a stable community that has seen 0.0% population growth since 2020 and a foreign-born resident share of 13.9%, reflecting a diverse population with varied health coverage needs. Major employers in the area include Atrium Health, Wells Fargo, Charlotte-Mecklenburg Schools, Bank of America, and Amazon, and local health care is anchored by Atrium Health Carolinas Medical Center and Novant Health Presbyterian Medical Center. Health Plans of NC helps Matthews residents navigate every coverage pathway available, from ACA Marketplace plans to employer-sponsored options, ensuring that workers, families, and individuals all find coverage that fits their situation.
ACA Marketplace coverage is available for Matthews residents who are self-employed or work for employers like Amazon or Wells Fargo that do not offer group health benefits.
Medicaid coverage is accessible to eligible low-income Matthews residents, with enrollment support available through Health Plans of NC to connect qualifying individuals to Atrium Health Carolinas Medical Center and other local providers.
Employer-sponsored group health insurance is offered by major Matthews-area employers including Bank of America and Charlotte-Mecklenburg Schools, typically covering a significant portion of employee premiums.
Short-term health plans provide temporary coverage for Matthews residents transitioning between jobs at local employers or waiting for new group benefits to begin.
COBRA continuation coverage allows Matthews residents who lose employer-sponsored benefits, such as those from Wells Fargo or Atrium Health, to maintain their existing plan for a limited period.
Small business SHOP Marketplace plans are available for Matthews-area business owners who want to offer group health coverage to their employees and access group plan structures through the ACA.
For 2026, Matthews, North Carolina residents can choose from four Blue Cross NC plan networks offered through Rating Area 7, each structured as a PPO and designed to provide flexibility in accessing care across the region. The available networks include Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health, giving residents meaningful choices depending on which local health systems they prefer. Health Plans of NC agents help Matthews residents compare each network side by side to ensure their preferred providers at Atrium Health Carolinas Medical Center or Novant Health Presbyterian Medical Center are covered before enrollment.
Blue Advantage, a PPO, connects Matthews residents to the largest nationwide network, with more than 95% of North Carolina doctors listed as in-network providers.
Blue Care, a PPO, offers broad statewide network coverage with more than 92% of North Carolina doctors in-network, giving Matthews residents strong access to regional specialists.
Blue Local with Atrium Health, a PPO, is available in Matthews and provides coordinated access to Atrium Health Carolinas Medical Center and affiliated providers throughout the area.
Blue Home with Novant Health, a PPO, is available in Matthews and centers care around Novant Health Presbyterian Medical Center and the broader Novant Health system.
Each PPO network in Matthews allows residents to see specialists without a referral, providing flexibility for those managing ongoing or complex health conditions.
Health Plans of NC agents compare all four available networks at no cost to help Matthews residents match their plan selection to the doctors and hospitals they already use.
Bronze plans in Matthews, North Carolina start at approximately $403.47/month before subsidies. Silver plans start at $518.72/month. Gold plans start at $536.24/month. With a median household income of $105,579, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans start at $403.47 per month in Matthews, offering the lowest available monthly premium with higher deductibles, best suited for residents who are generally healthy and want financial protection against major events.
Silver plans start at $518.72 per month and are the only tier eligible for cost-sharing reductions, which can lower deductibles and copays significantly for qualifying Matthews residents.
Gold plans start at $536.24 per month and provide the lowest out-of-pocket costs per visit, making them a strong choice for Matthews residents who use health care frequently or manage chronic conditions.
Premium tax credits are available to Matthews residents whose household income falls between 100% and 400% of the federal poverty level, and in some cases subsidies extend further up the income scale under current ACA rules.
Matthews residents with incomes just above Medicaid thresholds may qualify for heavily subsidized Silver plans with very low or near-zero monthly premiums after tax credits are applied.
Health Plans of NC agents provide free side-by-side cost comparisons for all three tiers so Matthews residents can evaluate total annual costs, including deductibles and out-of-pocket maximums, not just monthly premiums.
For 2026, Blue Cross NC is the sole ACA Marketplace carrier serving Matthews, North Carolina, offering a total of 17 individual and family plans through Rating Area 7. These plans are structured across four distinct PPO networks: Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health, giving residents a range of provider access models to choose from. Blue Local with Atrium Health and Blue Home with Novant Health are both available in Matthews and connect residents directly to the local health systems most central to the community. The network a Matthews resident selects determines which doctors, hospitals, and specialists are considered in-network, making the choice between Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health a critical decision that affects both access and cost. Health Plans of NC compares every Blue Cross NC plan side by side at no cost to Matthews residents, ensuring each family or individual selects the right network and tier for their needs.
Blue Cross NC, PPO plans across four networks including Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health, offering 17 total ACA Marketplace plans available to Matthews, North Carolina residents for 2026.
North Carolina expanded Medicaid in December 2023, allowing adults in Matthews and across the state to qualify for free or low-cost coverage if their household income is at or below 138% of the federal poverty level. In Matthews, North Carolina, an estimated 6.3% of residents, approximately 2,000 people, are currently uninsured, and many of them may now qualify for Medicaid or heavily subsidized coverage they have not yet enrolled in. Children in Matthews households that earn too much for Medicaid but cannot afford full marketplace premiums may qualify for NC Health Choice, the state's CHIP program, which covers children in families earning up to 210% of the federal poverty level. Health Plans of NC offers free eligibility checks for Matthews residents who are unsure whether they qualify for Medicaid, CHIP, or another low-cost coverage option.
Working adults in Matthews who are employed part-time or in lower-wage positions may qualify for Medicaid under the December 2023 expansion if their income falls at or below 138% of the federal poverty level.
Children in Matthews households may be eligible for NC Health Choice CHIP coverage, which provides low-cost or no-cost insurance for kids in families that earn above Medicaid limits but cannot afford full marketplace premiums.
Pregnant women in Matthews may qualify for expanded Medicaid coverage that includes prenatal care, labor and delivery services, and postpartum care through local providers.
Matthews residents with disabilities or very low incomes, including seniors who do not qualify for Medicare, may be eligible for Medicaid programs covering long-term care and specialty services.
With a poverty rate of 4.0% in Matthews, North Carolina, a meaningful share of residents may qualify for Medicaid or near-zero-premium marketplace plans, and Health Plans of NC can confirm eligibility at no cost.
Health Plans of NC licensed agents serve Matthews, North Carolina residents at no cost, comparing every available 2026 plan side by side and guiding each client through enrollment from start to finish. Call 800-797-0327 today to speak with a local agent who can help you find the right coverage for your family, your budget, and your preferred doctors.
Call 800-797-0327 (toll free) to speak with a licensed Health Plans of NC agent serving Matthews, 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 Matthews, North Carolina at no charge.
Matthews, North Carolina ZIP Codes include: 28104, 28105, and 28106
