Find an Affordable Health Insurance Plan in Union County
in North Carolina
Nationwide (BlueCard®)
Blue Advantage® is a PPO health plan from Blue Cross and Blue Shield of North Carolina (Blue Cross NC) offering the company's largest nationwide network of doctors, specialists, and hospitals. More than 95% of North Carolina doctors and 98% of North Carolina hospitals are in-network, and coverage travels with you nationwide through the BlueCard® program, which is accepted in nearly 200 countries and territories worldwide.
Because it's a PPO, Blue Advantage gives you the fewest restrictions on which doctors you can see: no referrals to see a specialist, and out-of-network care is still covered (at a lower benefit level). It typically carries a higher premium than Blue Cross NC's in-state-only plans, so it's the plan we recommend when provider choice and nationwide access matter more than getting the lowest possible premium.
Blue Advantage is built for people who want the fewest restrictions on which doctors they can see. It's a strong fit if you travel frequently for work or split time between two states, have an established specialist relationship you don't want to disrupt, want emergency care covered at the in-network rate anywhere in the world, or simply value provider choice over the lowest possible monthly premium.
It's a weaker fit if you rarely leave North Carolina and don't need nationwide access. In that case, Blue Care offers nearly identical in-state provider access at a lower premium, and one of the regional Blue Home plans may lower your premium even further if your doctors belong to a single health system.
Nationwide network – Nationwide (BlueCard®)
Network: Anywhere in the U.S. and abroad2; 95%+ of NC doctors.1
Out-of-area care: Covered (lower benefit level).
Offered in Bronze, Silver, and Gold tiers.
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 in all North Carolina counties, except the following where it is available only off Marketplace: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake.
Blue Advantage is a PPO, which means you don't need a referral to see a specialist, and you're never limited to a single network — you're just paying more if you step outside it. If you see an in-network provider, you get the plan's full benefit level. If you see someone out-of-network, the plan still pays, just at a reduced benefit level, and you're responsible for the difference.
Because Blue Cross NC has more than 95% of North Carolina doctors and 98% of North Carolina hospitals in-network, most members rarely need to use that out-of-network benefit — but it's there if your situation calls for it.
Blue Advantage is the only Blue Cross NC individual plan built for people who leave the state. Through the BlueCard® program, your in-network benefits travel with you anywhere in the U.S. — so if you split time between two states, have kids away at college, or travel for work, you're not stuck finding a new plan or a new doctor.
Emergency care is covered at the in-network rate worldwide, including in nearly 200 countries and territories through BlueCard Worldwide®.
Blue Advantage typically carries a higher premium than Blue Cross NC's in-state-only plans like Blue Care® or the regional Blue Home℠ plans. That's the trade-off for the broadest network and out-of-network safety net Blue Cross NC offers. Like every Blue Cross NC ACA plan, it's available in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit that lowers the monthly cost based on income and household size.
If nationwide access isn't something you need, it's worth comparing Blue Advantage against Blue Care or a Blue Home plan first — you may get nearly identical in-state coverage for meaningfully less.
You can enroll during the annual Open Enrollment Period (November 1 – January 15) or during a Special Enrollment Period if you've had a qualifying life event — a job change, a move, a new dependent, or losing other coverage.
A licensed Health Plans of NC agent can confirm your specific doctors are in-network, check what subsidy you qualify for, and compare Blue Advantage against the other six Blue Cross NC plans with you — at no cost. Call 800-797-0327.
Blue Advantage is a PPO (Preferred Provider Organization) plan. That means you can see out-of-network providers — you’ll just pay more — and you generally don’t need a referral to see a specialist. It’s the most flexible network Blue Cross NC offers.
Yes. Blue Advantage includes nationwide in-network access through the BlueCard® program, and emergency care is always covered at the in-network benefit level no matter where you are — including in nearly 200 countries and territories worldwide.
Yes, Blue Advantage is available in all 100 North Carolina counties. In 25 of them it’s available off-Marketplace only, meaning you’d enroll directly (through an agent or Blue Cross NC) rather than through HealthCare.gov. A Health Plans of NC agent can handle either path for you.
Both give you nearly the same broad in-state network (about 95% of NC doctors), but Blue Advantage is a PPO that adds nationwide out-of-network coverage, while Blue Care is an HMO limited to North Carolina with no out-of-network benefit except emergencies. Blue Advantage costs a bit more for that added flexibility.
Our recommendation: choose Blue Advantage if you travel, split time between states, or want maximum provider choice; choose Blue Care if you stay in NC and want to save on premium.
Statewide NC network
Blue Care® is an HMO health plan from Blue Cross NC that offers the company's largest in-state network — more than 95% of North Carolina doctors and 98% of NC hospitals in-network — at a lower monthly premium than the nationwide Blue Advantage PPO.
The trade-off for that lower premium is that Blue Care keeps your care inside North Carolina: outside of urgent and emergency situations, only in-network NC providers are covered, and there's no out-of-network benefit. For NC residents who rarely travel, Blue Care delivers almost the same broad provider choice as Blue Advantage for less money — which is why we often recommend it as the best-value option for people who stay in-state.
Blue Care fits residents who live and receive their care entirely within North Carolina, want broad in-state provider choice without paying for nationwide coverage they won't use, and are comfortable with no out-of-network benefit outside of emergencies.
It's a poor fit if you split time between states, have kids at out-of-state college, or travel frequently for work — non-emergency care outside North Carolina isn't covered. If that's you, Blue Advantage is the better choice.
Statewide network – Statewide NC network
Network: North Carolina only. A large network, with more than 95% of North Carolina doctors and 98% of North Carolina hospitals in-network.
Out-of-area care: Emergency / urgent only.
Offered in Bronze, Silver, and Gold tiers.
Blue Care is available in all North Carolina counties, except: Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake.
Blue Care is an HMO built on Blue Cross NC's largest in-state network — more than 95% of North Carolina doctors and 98% of NC hospitals in-network. It's priced lower than the nationwide Blue Advantage PPO because it trades nationwide access for coverage that stays inside North Carolina.
Outside of emergency and urgent care, only in-network NC providers are covered — there's no out-of-network benefit to fall back on, so it's worth confirming your specific doctors participate before you enroll.
Blue Care is sold in every NC county except Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, and Wake — those counties fall inside the Triangle-area service area for the Blue Home℠ with UNC Health Alliance plan instead. If you live in one of the excluded counties, Blue Care isn't available to you regardless of which providers you use.
Because the in-state network is nearly as broad as Blue Advantage's, most Blue Care members never notice a difference in provider choice day to day — the difference only shows up if you need care outside North Carolina.
Blue Care's premium runs lower than Blue Advantage's specifically because it removes the nationwide and out-of-network safety net. It's offered in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit that lowers the monthly cost based on income and household size.
You can enroll during the annual Open Enrollment Period (November 1 – January 15) or during a Special Enrollment Period if you've had a qualifying life event — a job change, a move, a new dependent, or losing other coverage.
A licensed Health Plans of NC agent can confirm your doctors are in-network, check your subsidy, and compare Blue Care against Blue Advantage and the regional plans — at no cost. Call 800-797-0327.
Yes. Blue Care is structured as an HMO with a statewide North Carolina network. Outside of urgent and emergency situations, care is only covered when you use in-network NC providers.
Only urgent and emergency care is covered outside your Blue Care network. Routine or non-emergency care while traveling out of state is not covered, so Blue Care is best for people who receive their care in North Carolina.
Blue Care isn’t offered in Alamance, Caswell, Chatham, Durham, Franklin, Johnston, Lee, Orange, Person, or Wake counties. In several of those counties, Blue Home℠ with UNC Health Alliance is offered instead.
Piedmont Triad · Charlotte
Blue Home℠ with Novant Health is a Blue Cross NC plan built around Novant Health's network of more than 2,000 physicians and 900+ locations, including Novant's integrated system of 19 medical centers across the Piedmont Triad and Charlotte area.
It's a single-system regional plan — only Novant Health providers are in-network — offered at a lower premium in exchange for that focused network. We recommend it when Novant is already where you and your family get care and you live in one of the eight eligible counties.
Good fit if you already see Novant Health providers for primary or specialty care, live in one of the eight eligible counties, and want a lower premium in exchange for a single coordinated network.
Poor fit if your regular doctors are with Atrium Health, CaroMont Health, or Cone Health — none of those are in-network here.
Regional network – Piedmont Triad · Charlotte
Network: Novant Health only1 (2,000+ physicians).2
Out-of-area care: Emergency / urgent only.
Offered in Bronze, Silver, and Gold tiers.
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.
This plan is built around a single system, Novant Health, which is what allows the premium to run lower than Blue Cross NC's broad-network plans. Only Novant Health providers are in-network — outside of emergency and urgent care, Atrium Health, CaroMont Health, and Cone Health are not covered, even for members who live close to those systems.
Novant Health's network spans more than 2,000 physicians and 900+ locations, including its integrated system of 19 medical centers across the Piedmont Triad and Charlotte area. For members already established with a Novant primary care provider or specialist, this plan keeps that relationship intact at a lower monthly cost.
The lower premium reflects the narrower, single-system network. It's offered in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit based on income and household size.
This plan is available in eight counties across the Piedmont Triad and Charlotte area — Cabarrus, Davidson, Forsyth, Mecklenburg, Rowan, Stokes, Union, and Yadkin. If you live outside those counties, it isn't an option regardless of which providers you use.
You can enroll during the annual Open Enrollment Period (November 1 – January 15) or during a Special Enrollment Period if you've had a qualifying life event — a job change, a move, a new dependent, or losing other coverage.
A licensed Health Plans of NC agent can confirm your Novant Health providers are in-network, check your subsidy, and compare this plan against Blue Advantage® and Blue Care® — at no cost. Call 800-797-0327.
More than 900 locations, including Novant Health’s 19 integrated medical centers and over 2,000 physicians across the Piedmont Triad and Charlotte area.
Atrium Health is out-of-network on Blue Home℠ with Novant Health. You’d need to either switch providers or choose a plan built around Atrium’s network, like Blue Local℠ with Atrium Health.
No. Novant Health is an independent company solely responsible for the physicians and facilities it owns and operates; it does not offer Blue Cross or Blue Shield products.
Charlotte / Piedmont · NC & SC
Blue Local℠ with Atrium Health is a Blue Cross NC plan built around Atrium Health's network of 20 hospitals and 700+ care locations across North and South Carolina. It includes two children's hospitals — Levine Children's Hospital (nationally ranked in 10 pediatric specialties) and Brenner Children's Hospital — plus the Atrium Health Wake Forest Baptist Comprehensive Cancer Center, one of only three comprehensive cancer centers in North Carolina.
This is a single-system regional plan offered at a lower premium, with only Atrium Health providers in-network. We especially recommend it for families who may need pediatric specialty care or comprehensive cancer care and live in one of the 17 eligible counties across the Charlotte and Piedmont regions.
Good fit if you have a child who needs or may need care at Levine or Brenner Children's Hospital, are managing a cancer diagnosis and want access to a comprehensive cancer center, or live in one of the 17 eligible counties across the Charlotte/Piedmont region.
Poor fit if your regular doctors are with CaroMont Health, Cone Health, or Novant Health — all three are out-of-network.
Regional network – Charlotte / Piedmont · NC & SC6
Network: Atrium Health only1 (incl. Levine Children’s4).
Out-of-area care: Emergency / urgent only.
Offered in Bronze, Silver, and Gold tiers.
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.
This plan is built around a single system, Atrium Health, which is what keeps the premium lower than Blue Cross NC's broad-network plans. Only Atrium Health providers are in-network — outside of emergency and urgent care, CaroMont Health, Cone Health, and Novant Health are not covered.
Atrium Health's network spans 20 hospitals and more than 700 care locations across North and South Carolina, including two children's hospitals — Levine Children's Hospital, nationally ranked in 10 pediatric specialties, and Brenner Children's Hospital — plus the Atrium Health Wake Forest Baptist Comprehensive Cancer Center, one of only three comprehensive cancer centers in North Carolina.
This makes it a particularly strong option for families who may need pediatric specialty care or anyone managing a cancer diagnosis, since that care is coordinated within one system rather than requiring referrals across networks.
The lower premium reflects the narrower, single-system network. It's offered in Bronze, Silver, and Gold tiers, and most applicants qualify for a premium tax credit based on income and household size.
This plan is available across 17 counties in the Charlotte and Piedmont regions. If your doctors are with CaroMont, Cone, or Novant instead, this plan won't cover them outside of an emergency.
You can enroll during the annual Open Enrollment Period (November 1 – January 15) or during a Special Enrollment Period if you've had a qualifying life event — a job change, a move, a new dependent, or losing other coverage.
A licensed Health Plans of NC agent can confirm your Atrium Health providers are in-network, check your subsidy, and compare this plan against Blue Advantage® and Blue Care® — at no cost. Call 800-797-0327.
Yes — Levine Children’s Hospital, nationally ranked in 10 pediatric specialties, is part of the in-network Atrium Health system on Blue Local℠ with Atrium Health, along with Brenner Children’s Hospital.
Yes — the Atrium Health Wake Forest Baptist Comprehensive Cancer Center is one of only three comprehensive cancer centers in North Carolina and is in-network on this plan.
Those systems are out-of-network on Blue Local℠ with Atrium Health. This plan only covers Atrium Health providers in-network, except for emergency and urgent care.
Every Blue Cross NC individual plan comes in three “metal” tiers that describe how you and the plan split covered costs. Bronze plans have the lowest monthly premium but pay about 60% of covered costs, so you pay roughly 40% when you use care. Silver plans pay about 70% (you pay ~30%), and Gold plans pay about 80% (you pay ~20%) in exchange for a higher premium.
As a rule of thumb: Bronze suits people who rarely use care and want the lowest premium, Gold suits people who use regular or ongoing care, and Silver is the middle ground. Silver is also the only tier that unlocks Cost-Sharing Reductions (CSRs) — extra savings on deductibles and copays if your income qualifies — so many subsidy-eligible shoppers get the best overall value from a Silver plan. A licensed Health Plans of NC agent can run the numbers for your situation at no cost.
The most important step before choosing any plan is confirming your doctors, specialists, and preferred hospitals are in that plan’s network. Networks differ a lot between Blue Cross NC plans — a doctor who is in-network on one plan may be out-of-network, and far more expensive, on another.
You can check each plan’s provider directory on bcbsnc.com, or — the easier route — call a Health Plans of NC agent at 800-797-0327 and we’ll verify your specific providers before you enroll, at no charge.
Most North Carolinians who buy their own coverage qualify for a premium tax credit — a subsidy based on your income and household size that lowers what you pay each month. Subsidy amounts and eligibility rules can change from year to year, so the only way to know your real price is to run a personalized quote.
Health Plans of NC can check your subsidy eligibility and show you the after-subsidy premium for any of these plans for free. Call 800-797-0327 or request a quote online.
You can enroll during the annual Open Enrollment Period, which runs each fall (generally starting November 1) for coverage that begins the following year. Outside that window, you can still enroll if you have a qualifying life event — such as losing other coverage, moving, marriage, or having a baby — which opens a 60-day Special Enrollment Period.
Because enrollment dates and rules can change, it’s worth confirming the current deadline. A Health Plans of NC agent can tell you whether you’re eligible to enroll right now — call 800-797-0327.
Nothing. Health Plans of North Carolina is an independent, authorized agency licensed to sell Blue Cross NC plans, and our help — comparing plans, checking your doctors, estimating subsidies, and enrolling — is completely free to you. Agents are paid by the insurance company, and the plan price is the same whether you enroll with us or on your own.
Call 800-797-0327 to talk with a licensed local agent.
| Carrier | Distinct plans |
|---|---|
| Blue Cross and Blue Shield of NC | 30 |
| Ambetter of North Carolina | 14 |
| Oscar Health Plan of North Carolina | 14 |
| Cigna Healthcare | 10 |
| Total | 68 |
Source: CMS QHP Landscape PY2026, Individual Market Medical, updated August 26, 2026 (data.healthcare.gov). Counts distinct Plan IDs offered on the Marketplace in Union County, once per carrier.
in North Carolina
Find affordable health insurance in Union County, NC with Health Plans of NC. Health Plans of NC helps Union County residents find and compare health insurance plans at no cost, connecting families to coverage through local health systems like Atrium Health Union and major employers like Union County Schools.
Plan Network | Type | Network Coverage |
|---|---|---|
Blue Advantage® | PPO | Largest nationwide network, 95%+ of NC doctors in-network |
Blue Care® | HMO | Broad statewide network, 95%+ of NC doctors in-network |
Blue Local℠ with Atrium Health | EPO | Available in Union County |
Blue Home℠ with Novant Health | EPO | Available in Union County |
Union County is home to 244,975 residents and has grown 2.8% since 2020, with 11.5% of the population being foreign-born, creating a diverse community with a wide range of health coverage needs. Residents can access coverage through the ACA Marketplace, Medicaid, employer-sponsored plans offered through major employers like ATI Specialty Materials, Tyson Foods, and the County of Union, or through continuation coverage options like COBRA. Health Plans of NC helps all Union County residents, including those connected to health systems like Atrium Health Union and Novant Health Monroe Medical Center, identify the coverage type that best fits their situation.
ACA Marketplace plans are available to Union County residents who do not have access to job-based coverage through employers like Union County Schools or ATI Specialty Materials.
Medicaid coverage is available to qualifying low-income Union County residents, including many who work part-time or in seasonal roles at employers like Tyson Foods.
Employer-sponsored group health plans cover a significant portion of Union County workers through large employers such as Union County Schools, the County of Union, and ATI Specialty Materials.
Short-term health plans may serve as a temporary bridge for Union County residents between jobs or waiting for open enrollment to access Atrium Health Union or Novant Health Monroe Medical Center.
COBRA continuation coverage allows Union County residents who lose job-based insurance, such as those previously covered through Tyson Foods or County of Union plans, to maintain their existing benefits temporarily.
Small business SHOP Marketplace plans are available to Union County small business owners who want to offer group health benefits to employees and gain access to the county's growing provider network.
For 2026, Union County residents can choose from plans offered under four Blue Cross NC networks, including Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health, all structured as plans that give members flexibility in how they access care. Blue Local with Atrium Health connects members directly to facilities like Atrium Health Union in Monroe and Atrium Health Union West Hospital in Matthews, while Blue Home with Novant Health provides access to providers like Novant Health Matthews Medical Center and Novant Health Monroe Family Medical. Health Plans of NC helps Union County residents evaluate which network aligns with their current doctors, specialist relationships, and preferred hospital facilities before enrolling.
Blue Advantage, a PPO plan, offers the largest nationwide network with over 95% of North Carolina doctors in-network, making it a strong fit for Union County residents who travel or see out-of-area specialists.
Blue Care, an HMO plan, covers a broad statewide network with over 95% of North Carolina doctors in-network, giving Union County families wide access to local and regional providers.
Blue Local with Atrium Health, an EPO plan, is available in Union County and connects members to Atrium Health Union at 600 Hospital Dr in Monroe and Atrium Health Union West Hospital in Matthews.
Blue Home with Novant Health, an EPO plan, is available in Union County and provides in-network access to Novant Health Matthews Medical Center and Novant Health Monroe Family Medical.
PPO plan structures across all four networks allow Union County residents to see specialists without a referral, offering greater flexibility for those managing ongoing or complex health conditions.
Network compatibility is a critical consideration for Union County residents who rely on specialty clinics such as Union Pulmonary and Sleep Specialists or primary care facilities like Atrium Health Primary Care Indian Trail.
Bronze plans in Union County start at approximately $463.63/month before subsidies. With a median household income of $99,243, many residents qualify for premium tax credits. Subsidies may reduce your monthly premium significantly based on income.
Bronze plans start at $463.63 per month for a 35-year-old in Union County, offering the lowest monthly premiums with higher deductibles and out-of-pocket costs when care is needed.
Silver plans start at $593.60 per month for a 35-year-old and are the only tier eligible for Cost-Sharing Reduction benefits, which can lower deductibles and copays for qualifying residents.
Gold plans start at $626.35 per month for a 35-year-old in Union County, providing lower out-of-pocket costs in exchange for higher monthly premiums, making them well-suited for frequent healthcare users.
Residents with household incomes between 100% and 400% of the federal poverty level may qualify for Advance Premium Tax Credits that reduce monthly premiums below the listed starting prices.
Union County's median household income of $99,243 means some households will exceed subsidy thresholds, but those with income closer to the federal poverty level cutoffs may qualify for $0 or very low premium Silver plans.
Cost-Sharing Reduction plans on the Silver tier can significantly lower annual out-of-pocket maximums for qualifying Union County residents, making mid-tier coverage far more affordable in practice.
Blue Cross NC is one of four ACA Marketplace carriers offering plans in Union County for 2026, with 30 total plans available to individuals and families across multiple coverage tiers. These 30 plans are distributed across four distinct networks, including Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health, all structured as plans that vary in network breadth and local provider access. Blue Local with Atrium Health and Blue Home with Novant Health connect Union County enrollees to key local facilities such as Atrium Health Union, Atrium Health Union West Hospital, Novant Health Matthews Medical Center, and Novant Health Monroe Family Medical, making network selection a highly consequential decision. Choosing the wrong network can result in unexpected out-of-network costs when visiting specialty providers like Union Pulmonary and Sleep Specialists or primary care clinics like Atrium Health Primary Care Indian Trail. Health Plans of NC licensed agents compare all 30 Blue Cross NC plans side by side at no cost, helping Union County residents select the plan that best matches their providers, prescriptions, and overall healthcare needs.
Blue Cross NC: one of four ACA Marketplace carriers in Union County for 2026, offering 30 plans across four networks, including Blue Advantage, Blue Care, Blue Local with Atrium Health, and Blue Home with Novant Health.
North Carolina expanded Medicaid in December 2023, extending free or low-cost coverage to adults earning up to 138% of the federal poverty level, which has opened new eligibility for many Union County residents who were previously left without affordable options. Currently, 7.9% of Union County residents, approximately 19,000 people, remain uninsured, and many may now qualify for Medicaid or a low-cost Marketplace plan without realizing it. Children in Union County families earning up to 210% 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 to help Union County residents determine whether they qualify for Medicaid, NC Health Choice, or a subsidized Marketplace plan.
Working adults in Union County who earn up to 138% of the federal poverty level may now qualify for full Medicaid coverage under North Carolina's December 2023 expansion.
Children in Union County families earning up to 210% of the federal poverty level may qualify for NC Health Choice, which covers preventive care, dental, and prescription benefits.
Pregnant women in Union County may qualify for Medicaid coverage during pregnancy and for a period postpartum, regardless of immigration status in some cases, through NC Medicaid programs.
Low-income seniors in Union County may qualify for dual eligibility under both Medicaid and Medicare, which can eliminate most out-of-pocket costs for medical and prescription services.
Union County residents with disabilities who meet income requirements may qualify for Medicaid, and with 7.7% of the county population living below the poverty line, a meaningful number of residents may be eligible for assistance.
Health Plans of NC licensed agents serve Union County residents at no cost, comparing all available plans side by side and guiding you 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 doctors, and your 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 Union 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 Union | 600 Hospital Dr, Monroe, NC 28112 |
Clinic | Address | Phone |
|---|---|---|
Anson Regional Medical Services - ARMS Union | 1328 Patterson St, Monroe, NC 28112 | |
Kintegra at Atrium Women's Center - Monroe | 1550 Faulk St, Suite 2100, Monroe, NC 28112 | |
Kintegra at Atrium Women's Center - Waxhaw | 2700 Providence Rd S, Waxhaw, NC 28173 | |
Anderson Family Medicine | 1301 Dove St, Monroe, NC 28112 | |
Atlas Medical Group | 701 E Roosevelt Blvd Suite 320, Monroe, NC 28112 | |
Atrium Health Levine Children's Urgent Care | 3193 W Hwy 74, Monroe, NC 28110 | |
Atrium Health Primary Care Cotswold Family Medicine | 1106 Reynolds St Ste 100, Monroe, NC 28112 | |
Atrium Health Primary Care Dove Internal Medicine | 6030 W Hwy 74 Ste D, Indian Trail, NC 28079 | |
Atrium Health Primary Care Dove Internal Medicine | 1423 E Franklin St Ste D, Monroe, NC 28112 | |
Atrium Health Primary Care Indian Trail Family Medicine | 4503 Old Monroe Rd, Indian Trail, NC 28079 |
Talk to a licensed Blue Cross NC agent who lives and works in Union County. Consultations are free.
Union County ZIP Codes include: 28079, 28103, 28104, 28108, 28110, 28111, 28112, 28173, and 28174
