Find Your Most Affordable Health Insurance Plan in Cabarrus County
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 North Carolina
Find affordable health insurance in Cabarrus County, NC with Health Plans of NC. Health Plans of NC helps Cabarrus County, NC residents compare and enroll in health insurance coverage at no cost, connecting families and individuals to every available plan in the local marketplace. Whether you work for a major employer like Atrium Health Cabarrus or are self-employed, Health Plans of NC makes finding the right coverage simple and free.
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 Cabarrus County |
Blue Home with Novant Health | PPO | Available in Cabarrus County |
Cabarrus County is home to 231,262 residents and has grown 2.4 percent since 2020, bringing a diverse and expanding population that includes 9.8 percent foreign-born residents who may have unique coverage needs and eligibility questions. Major employers such as Atrium Health, Cabarrus County Schools, Amazon, FedEx, and Walmart anchor the local economy and shape the mix of employer-sponsored and individual market coverage options available to county residents. Health systems including Atrium Health Cabarrus and Novant Health serve the community directly, making local provider access a central consideration when choosing a plan type.
ACA Marketplace plans are available for Cabarrus County residents who are self-employed, work part-time for employers like Amazon or FedEx, or whose employers do not offer group coverage.
Medicaid coverage is available for lower-income Cabarrus County residents, including adults and families who may not have access to employer-sponsored plans through local workplaces.
Employer-sponsored group health insurance covers a large share of Cabarrus County workers through major local employers such as Atrium Health, Cabarrus County Schools, and Walmart.
Short-term health coverage is an option for Cabarrus County residents in transition periods, such as those between jobs at local employers or awaiting a new employer benefits start date.
COBRA continuation coverage allows Cabarrus County residents who recently left jobs at employers like FedEx or Atrium Health to temporarily maintain their existing group health plan.
Small business SHOP plans are available for Cabarrus County small business owners who want to offer group health coverage to employees outside of large-employer arrangements.
For 2026, Cabarrus County residents can choose from four distinct plan networks offered through Blue Cross NC, each structured as a PPO and connecting enrollees to different combinations of local and regional providers. The available networks include Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health, giving residents the ability to prioritize access to specific health systems they already use. Health Plans of NC agents walk through each network option side-by-side so Cabarrus County residents can match their preferred providers with the right plan structure.
Blue Advantage, a PPO network, provides the largest nationwide coverage available to Cabarrus County residents, with over 95 percent of North Carolina doctors participating in-network.
Blue Care, a PPO network, offers broad statewide access for Cabarrus County residents, with over 92 percent of North Carolina doctors available in-network for routine and specialty care.
Blue Local with Atrium Health, a PPO network, is available in Cabarrus County and connects enrollees directly to Atrium Health Cabarrus and affiliated Atrium Health facilities throughout the region.
Blue Home with Novant Health, a PPO network, is available in Cabarrus County and provides in-network access to Novant Health providers, including regional Novant facilities serving the greater Charlotte area.
All four plan networks are structured as PPOs, meaning Cabarrus County residents have the flexibility to see out-of-network providers, though at a higher cost-sharing level than in-network visits.
Choosing between Blue Local with Atrium Health and Blue Home with Novant Health depends on which health system a Cabarrus County resident uses most, making provider lookup a critical first step before enrolling.
Bronze plans in Cabarrus County start at approximately $443.10/month before subsidies. With a median household income of $86,084, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans in Cabarrus County start at $443.10 per month for a 35-year-old before subsidies, offering the lowest monthly premiums with higher out-of-pocket costs when care is needed.
Silver plans in Cabarrus County start at $569.49 per month for a 35-year-old before subsidies and are the only tier eligible for cost-sharing reductions that lower deductibles and copays.
Gold plans in Cabarrus County start at $588.91 per month for a 35-year-old before subsidies, providing lower out-of-pocket costs at the time of care in exchange for higher monthly premiums.
Cabarrus County households earning up to 400 percent of the federal poverty level, approximately $124,800 per year for a family of four, may qualify for premium tax credits that reduce monthly costs.
Residents earning between 100 and 150 percent of the federal poverty level may qualify for enhanced subsidies that reduce monthly Silver plan premiums to as low as $0 per month.
Children in Cabarrus County families earning up to 210 percent of the federal poverty level may qualify for NC Health Choice, the state CHIP program, providing low-cost coverage separate from marketplace plans.
Blue Cross NC is the ACA Marketplace carrier offering health insurance plans in Cabarrus County for 2026, with 16 total plans available to individuals and families through the marketplace. Those 16 plans are organized across four PPO networks: Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health, each providing a different scope of provider access. Blue Local with Atrium Health connects Cabarrus County enrollees directly to Atrium Health Cabarrus and the broader Atrium Health system, while Blue Home with Novant Health provides access to Novant Health facilities serving the region. The network a resident selects determines which local doctors, specialists, and hospitals are covered at in-network rates, making the comparison process essential before completing enrollment. Health Plans of NC compares every Blue Cross NC plan available in Cabarrus County side-by-side at no cost, so residents can make a fully informed decision.
Blue Cross NC (Blue Cross and Blue Shield of North Carolina): PPO plans across four networks, 16 total plans available to Cabarrus County residents for 2026.
North Carolina expanded Medicaid in December 2023, and Cabarrus County residents earning up to 138 percent of the federal poverty level now qualify for comprehensive Medicaid coverage at little to no cost. With 7.8 percent of Cabarrus County residents currently uninsured, representing approximately 18,000 people, a meaningful share of the community may already be eligible for Medicaid or CHIP without knowing it. Cabarrus County has a poverty rate of 8.9 percent, and many residents in that group may qualify for full Medicaid benefits under expansion. Health Plans of NC provides free eligibility checks for any Cabarrus County resident who wants to find out whether Medicaid, CHIP, or a marketplace plan is the right fit for their household.
Working adults in Cabarrus County who earn at or below 138 percent of the federal poverty level are now eligible for Medicaid coverage under North Carolina's expanded program.
Children in Cabarrus County families that do not qualify for Medicaid may be eligible for NC Health Choice, the state CHIP program, which provides affordable coverage for kids.
Pregnant women in Cabarrus County may qualify for Medicaid coverage with income thresholds that extend higher than the standard adult expansion level, covering prenatal and delivery care.
Cabarrus County residents with qualifying disabilities may be eligible for Medicaid regardless of age, providing coverage for medical, behavioral health, and long-term care services.
Seniors in Cabarrus County with limited income may qualify for both Medicare and Medicaid simultaneously, with Medicaid helping to cover costs that Medicare does not fully pay.
Health Plans of NC licensed agents serve Cabarrus County residents at no cost, comparing every available plan side-by-side and guiding households through enrollment from start to finish. Call 800-797-0327 today to speak with a local agent who knows the Cabarrus County marketplace and can find the right plan for your needs and budget.
Call 800-797-0327 (toll free) or 704-303-8256 to speak with a licensed agent and schedule a free appointment
Email [email protected] with questions about plans available in Cabarrus County
Find a licensed agent and book directly at healthplansofnc.com/agents
No cost, no pressure. Health Plans of NC agents work for you, not the carrier.
Hospital | Address | Phone |
|---|---|---|
Atrium Health Cabarrus | 920 Church St N, Concord, NC 28025 | (704) 403-3000 |
Atrium Health Cleveland | 201 E Grover St, Shelby, NC 28150 | (980) 487-3000 |
Atrium Health Kings Mountain | 706 W King St, Kings Mountain, NC 28086 | (980) 487-5000 |
Atrium Health Lincoln | 433 Mcalister Rd, Lincolnton, NC 28092 | (980) 212-2000 |
Atrium Health Pineville | 10628 Park Rd, Charlotte, NC 28210 | (704) 667-1000 |
Atrium Health Stanly | 301 Yadkin St, Albemarle, NC 28001 | (704) 984-4000 |
Atrium Health Union West Hosp | 1000 Healing Way, Matthews, NC 28104 | (800) 821-1535 |
Atrium Health Union | 600 Hospital Dr, Monroe, NC 28112 | (980) 993-3100 |
Atrium Health University City | 8800 N Tryon St, Charlotte, NC 28262 | (704) 863-6000 |
Atrium Health Waxhaw | 2700 Providence Rd S, Waxhaw, NC 28173 | (704) 667-6800 |
Atrium Health's Carolinas Med | 1000 Blythe Blvd, Charlotte, NC 28203 | (704) 355-2000 |
Carolinas Continue Care Hosp | 10648 Park Rd, Charlotte, NC 28210 | (704) 667-8050 |
Carolinas Continuecare Hosp | 8800 N Tryon St # 4, Charlotte, NC 28262 | (704) 863-8300 |
Carolinas Healthcare Syst | 501 Billingsley Rd, Charlotte, NC 28211 | (704) 444-2400 |
Carolinas Rehabilitation | 1100 Blythe Blvd, Charlotte, NC 28203 | (704) 355-4300 |
Caromont Regional Medical Ctr | 2525 Court Dr, Gastonia, NC 28054 | (704) 834-2000 |
Catawba Valley Medical Ctr | 810 Fairgrove Church Rd, Hickory, NC 28602 | (828) 326-3000 |
Davis Regional Medical Ctr | 218 Old Mocksville Rd, Statesville, NC 28625 | (704) 873-0281 |
Frye Regional Medical Ctr | 420 N Center St # 20, Hickory, NC 28601 | (828) 315-5000 |
Iredell Memorial Hospital | 557 Brookdale Dr, Statesville, NC 28677 | (704) 873-5661 |
Jeff Gordon Children's Ctr | 920 Church St N, Concord, NC 28025 | (704) 403-3000 |
Lake Norman Regional Med Ctr | 171 Fairview Rd, Mooresville, NC 28117 | (704) 660-4000 |
Levine Children's Hospital | 1000 Blythe Blvd, Charlotte, NC 28203 | (704) 381-2000 |
Novant Health Charlotte Ortho | 1901 Randolph Rd, Charlotte, NC 28207 | (704) 316-2000 |
Novant Health Hemby Children's | 200 Hawthorne Ln, Charlotte, NC 28204 | (704) 384-4021 |
Novant Health Huntersville Med | 10030 Gilead Rd, Huntersville, NC 28078 | (704) 316-4000 |
Novant Health Matthews Med Ctr | 1500 Matthews Township Pkwy, Matthews, NC 28105 | (704) 384-6500 |
Novant Health Mint Hl Med Ctr | 8201 Healthcare Loop, Charlotte, NC 28215 | (980) 302-1000 |
Novant Health Presbyterian Med | 200 Hawthorne Ln, Charlotte, NC 28204 | (704) 384-4000 |
Novant Health Rowan Med Ctr | 612 Mocksville Ave, Salisbury, NC 28144 | (704) 210-5000 |
WG Hefner Salisbury Dept | 1601 Brenner Ave, Salisbury, NC 28144 | (704) 638-9000 |
Cabarrus County ZIP Codes include: 28025, 28026, 28027, 28075, 28081, 28082, 28083, 28107, and 28124
