Find Your Most Affordable Health Insurance Plan in Union County
in North Carolina
Union 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 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 | PPO | Broad statewide network, 92%+ of NC doctors in-network |
Blue Local with Atrium Health | PPO | Available in Union County |
Blue Home with Novant Health | PPO | 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 PPO 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, a PPO plan, covers a broad statewide network with over 92% of North Carolina doctors in-network, giving Union County families wide access to local and regional providers.
Blue Local with Atrium Health, a PPO 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, a PPO 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 the sole ACA Marketplace carrier offering plans in Union County for 2026, with 16 total plans available to individuals and families across multiple coverage tiers. These 16 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 PPO 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 16 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: the sole ACA Marketplace carrier in Union County for 2026, offering 16 PPO 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 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 |
Union County ZIP Codes include: 28079, 28103, 28104, 28108, 28110, 28111, 28112, 28173, and 28174
